Category: Auto Insurance

The chance to drive as a teen is exciting for many and a source of worry for many parents. At Insurance Solutions LLC, we help parents in Omaha, NE navigate the additional costs of insurance for a young driver here. We also recognize that, as the NE Department of Insurance notes, driving is a high-risk activity for inexperienced young drivers, and avoiding serious or fatal accidents is important. Managing your financial costs and exposure is important, as well as creating a realistic structure for teenage driving. That means considering factors like whether you add a driver to your family car, purchase an additional car for the young driver and insure it separately, or work with your child to earn the money for their vehicle and insurance.

In other words, raising a young driver is both a parenting challenge, as well as a matter of changes in your insurance premiums. We’ll be glad to help with the latter and help you limit your family’s financial exposure. After all, many insurance companies consider drivers under age 25 to be a higher risk, even if they have a clean driving record.

Preparing Young Drivers After Years of Gaming

Parents and their young drivers face challenges like transitioning from simulated driving in video games, with unrealistic settings and vehicle operation, and a lack of real-world consequences such as speeding tickets and accidents. Over-focusing on texting also makes being a safe young driver a challenge. Young drivers in Omaha, NE may get a school learner permit at 14, a learner’s permit at 15, and a provisional operator’s permit or POP at 16, when they begin to make unsupervised decisions. Our Insurance Solutions LLC team can help you with pointers toward teen driver educational resources that can help parents guide them.

Car accidents can happen to anyone at any time. When you are involved in an accident in the Omaha, NE area, it can be a very stressful experience. However, if you have prepared yourself beforehand by knowing how to file an auto insurance claim with Insurance Solutions LLC, it can help ease some of the stress. 

Steps to Take After an Accident

The first thing you need to do after an accident is to make sure you are safe. Call for medical help if anyone is injured. Once everyone is okay, you should collect information about the other driver, such as their name, address, phone number, driver’s license number, and insurance information. Take pictures of the damage to both vehicles and the accident site. Contact your insurer as soon as possible to report the accident, even if you are not at fault.

How to File an Auto Insurance Claim

Most insurance companies have an online portal where you can file a claim. Make sure you have all of your information about the accident and your policy number ready before you start the process. You will need to fill out a claims form and submit it along with any supporting documentation, such as the police report, pictures, and witness statements. You may also need to provide proof of loss, which is typically an estimate of the costs to repair or replace your vehicle.

What to Expect During the Claims Process

After you file a claim, the insurance company will assign a claims adjuster to investigate the accident and assess the damages. This process can take several days or even weeks. During this time, the insurer will communicate with you about the progress of your claim and any paperwork you need to provide. Once the adjuster evaluates your Omaha, NE claim, they will determine if your policy covers the damages and, if so, the amount of payment you will receive.

We Are Here To Help

At the end of the day, filing an auto insurance claim can be a complicated process, but being prepared can make it more manageable. By knowing the steps to take after an accident, how to file a claim, and what to expect during the process, you can ensure that you are adequately compensated for any damages or injuries resulting from an accident. If you have any questions about your policy or the claims process, be sure to contact us at Insurance Solutions LLC for assistance. 

There’s no set amount of coverage that you should have on your auto insurance policy. It depends on your situation, your age, and the type of car you have. 

If you’re buying a car, talk to your dealer and have them run the same check. For example, if you’re unlucky enough to have a claim on a car that was insured by another company, their rates will likely go up. For inquiries in the greater Omaha, NE community, call the team at Insurance Solutions LLC. 

What to Know About the Auto Insurance 

If you live in a large city and drive very little, you may only need a minimum amount of liability coverage, such as $100,000 per person, and $300,000 per accident. If you drive a lot and live in a rural area, you may need more coverage than if you lived in a large city. 

For example, if you live in a rural area and drive 10,000 miles per year, you may need $500,000 of liability coverage per person, per year. You want to ensure that you’re covered in case of a claim, but also realize that a high liability policy will cost you more in the long run. 

Typically, the minimum amount you need depends on your age and where you live. The older you get, the more likely you are to hit the minimum — and the more you will likely pay for a policy that does not cover you. A 20-year-old low-risk driver in a low-risk geographic area can likely get by with $100 a year in liability coverage. 

Contact Us Today

The best way to determine the amount of coverage you need is to start by contacting your auto insurance provider. To ensure you purchase the right amount of coverage, it’s a good idea to start by reading your policy. Confer with Insurance Solutions LLC for expert assistance in Omaha, NE.

There’s no set amount of coverage that you should have on your auto insurance policy. It depends on your situation, your age, and the type of car you have. 

If you’re buying a car, talk to your dealer and have them run the same check. For example, if you’re unlucky enough to have a claim on a car that was insured by another company, their rates will likely go up. For inquiries in the greater Omaha, NE community, call the team at Insurance Solutions LLC. 

What to Know About the Auto Insurance 

If you live in a large city and drive very little, you may only need a minimum amount of liability coverage, such as $100,000 per person, and $300,000 per accident. If you drive a lot and live in a rural area, you may need more coverage than if you lived in a large city. 

For example, if you live in a rural area and drive 10,000 miles per year, you may need $500,000 of liability coverage per person, per year. You want to ensure that you’re covered in case of a claim, but also realize that a high liability policy will cost you more in the long run. 

Typically, the minimum amount you need depends on your age and where you live. The older you get, the more likely you are to hit the minimum — and the more you will likely pay for a policy that does not cover you. A 20-year-old low-risk driver in a low-risk geographic area can likely get by with $100 a year in liability coverage. 

Contact Us Today

The best way to determine the amount of coverage you need is to start by contacting your auto insurance provider. To ensure you purchase the right amount of coverage, it’s a good idea to start by reading your policy. Confer with Insurance Solutions LLC for expert assistance in Omaha, NE.