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<\/a>I want to introduce myself and my agency!\u00a0 My name is Jill Henning and I own and operate a State Farm Agency in Lakeville, Minnesota.\u00a0 I work with all types of insurance from auto and home insurance to life and disability insurance and everything in-between!\u00a0 My favorite part about my profession is building relationships with my clients and educating them about their insurance and financial services.<\/p>\nI often find that individuals may not know what kind of insurance policy they really have and how comprehensive (or not comprehensive) it is until they have a claim.\u00a0 When clients come to my agency, we help educate them about the different types of policies and coverages.\u00a0 Especially when it comes to homeowners insurance, I find clients sometimes think that they bought a \u201cgood\u201d policy and that it will pay out in the event of a claim, but find out later that many things are not covered in full or are excluded altogether.\u00a0 It is extremely important to know what type of policy you are purchasing and how stable and trustworthy the company you are purchasing it from is.<\/p>\n
I would like to invite you to engage with me on a question & answer forum about any insurance related questions.\u00a0 To get started on this issue, I thought I would provide you information some of the most frequently asked questions that I receive about auto insurance.<\/p>\n
Q:\u00a0 What is \u201cPIP\u201d coverage?\u00a0 <\/strong><\/p>\n A:\u00a0 The state of Minnesota requires that individuals carry PIP or \u201cPersonal Injury Protection\u201d as part of their liability coverage.\u00a0 Minnesota is a \u201cno-fault\u201d state, meaning that if you are injured in a car accident, regardless of who was at fault for the accident, your own policy\u2019s personal injury protection would pay out for your injuries.\u00a0 Once the personal injury limits have been exhausted, if the other driver was at fault, their liability insurance would pay for your additional medical bills.\u00a0 If you were at fault for the accident, your medical insurance would have to pay for costs incurred above the personal injury protection limit.\u00a0 The minimum amount of personal injury protection you can purchase is $20,000.\u00a0 You can purchase higher limits if you would like, in increments of $10,000, to a maximum of $50,000 of coverage.\u00a0 You also have the option to \u201cstack\u201d your personal injury protection.\u00a0 Stacking means that if you have more than one vehicle in your household, you can utilize or \u201cstack\u201d the coverage from all of the vehicles in the household onto one injury claim.\u00a0 For example, if a client has two vehicles in their household, each with the minimum coverage amount of $20,000 per vehicle and the coverage is \u201cstacked,\u201d they would be able to access a total of $40,000 if injured in an accident.<\/p>\n Motorcycles do not have an option for \u201cPIP\u201d so any injury on a motorcycle would need to be covered by either the at-fault individual\u2019s insurance policy, or your medical insurance if you were at fault.<\/p>\n I often hear clients say that if there is an accident in a parking lot, each person pays for their own damage because Minnesota is a \u201cno-fault\u201d state.\u00a0 This is one of the biggest misconceptions I hear from clients about insurance.\u00a0 It is very important<\/u> to understand that the only place \u201cno-fault\u201d coverage applies is related to injury. \u00a0If you are involved in any sort of accident, it is extremely important that you get all of the necessary information from the other party to start a claim.\u00a0 This leads me to frequently asked question #2\u2026<\/p>\n Q:\u00a0 What should I do if I have an accident?<\/strong><\/p>\n A:\u00a0 The most common thing we see with clients when they have an accident is that they do not exchange information with the other party and assume that the information will be obtained by the police report.\u00a0 While the information is contained in a police report, it can take a few days for that report to be filed and available to you, therefore delaying your claim process.\u00a0 You will want to be sure to get the name, phone number, insurance provider, and policy number of the other party. \u00a0That way when you contact your agent, they will be able to reach out to the other driver, or the other driver\u2019s insurance carrier to start the claim process.\u00a0 Additional things to know when you have an accident:<\/p>\n Q:\u00a0 When do I pay my deductible?<\/strong><\/p>\n A:\u00a0 Often times policyholders think that they have to pay a deductible for every claim ever made.\u00a0 However, you actually do not incur a claim unless you are fixing your own vehicle<\/u><\/em>.\u00a0 Damage caused to another person\u2019s property comes from the property damage portion of your liability coverage, which is never subject to a deductible.\u00a0 The same is true about bodily injury to another party\u2026it comes from the liability portion of your policy which is not subject to a deductible.<\/p>\n Q:\u00a0 What happens in the event of a hit & run claim?<\/strong><\/p>\n A:\u00a0 If you are the unfortunate recipient of a hit & run claim, you will need to file the claim under your own insurance policy\u2019s collision coverage, so you will incur your deductible.\u00a0 That being said, most insurance companies will not count it as an \u201cat-fault\u201d or \u201csurchargable\u201d accident, so there typically is not be a change to your insurance rate because of the claim.\u00a0 You will want to ask your particular company to be sure if their guidelines surcharge you for a hit & run claim or not.<\/p>\n I hope that you have learned something new by reading this article, or at least gained some additional insight about a topic you are already familiar with.\u00a0 To truly make this column applicable to you and as informative as possible, I invite you to reach out with questions you may have on any type of insurance!\u00a0\u00a0 Reply in the comments section below and I will be happy to respond in my next Q&A.\u00a0 Or if you have a specific question based on your family\u2019s needs, you can reach me at jill@jillhenning.net<\/a> or on my office line at 952.895.9596.\u00a0 I look forward to helping you any way I can! \n","protected":false},"excerpt":{"rendered":" Hello! I want to introduce myself and my agency!\u00a0 My name is Jill Henning and I own and operate a State Farm Agency in Lakeville, Minnesota.\u00a0 I work with all types of insurance from auto and home insurance to life and disability insurance and everything in-between!\u00a0 My favorite part about my profession is building relationships […]<\/p>\n","protected":false},"author":1,"featured_media":9272,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[21,7],"tags":[84,75,77,83,74,81,76,82,85,78,73,79,80],"class_list":["post-9277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-everydday","category-marketing","tag-accident","tag-auto-and-home","tag-disability","tag-hit-run","tag-insurance","tag-lakeville","tag-life","tag-minnesota","tag-pip","tag-policy","tag-sponsored","tag-state-farm","tag-state-farm-angency"],"_links":{"self":[{"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/posts\/9277","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/comments?post=9277"}],"version-history":[{"count":0,"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/posts\/9277\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/media\/9272"}],"wp:attachment":[{"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/media?parent=9277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/categories?post=9277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.panippookkal.com\/ithazh\/wp-json\/wp\/v2\/tags?post=9277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
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