Month: October 2025

What Happens When You Get Into An Accident With An Uninsured Driver?

Posted on by AgentInsure

Car accidents can be devastating, and the situation can become even more stressful if the other driver is uninsured. You may worry about whether you have the protection that auto insurance in West Hartford, CT, provides. Fortunately, there are options available to help you navigate this challenging scenario.

After the Accident

It’s crucial to take accidents seriously, especially those involving uninsured drivers. If the other driver admits they don’t have insurance, you should still follow proper procedures. Contact local law enforcement to report the accident and obtain a police report. Take photos of the accident scene and gather contact information from any witnesses who are present. These steps will help provide proof that you were not at fault.

Medical Treatment

If you have injuries, prioritize your health and safety by seeking medical attention. Visit the hospital to get any necessary imaging or tests to determine the extent of your injuries. Prompt medical care is essential for your recovery and for documenting the accident’s impact.

Your Insurance Company

Contact your insurance company as soon as possible. Many companies, including ALLConnecticut Insurance, offer uninsured motorist coverage as part of their minimum liability policies. This means you may already be covered without realizing it. An agent can review your policy and explain your coverage options to you. In this situation, you would file a claim with your own insurance company.

Health Insurance

If your auto insurance coverage is insufficient to cover medical expenses, your health insurance may provide additional support. Contact your health insurance provider to inquire about coverage for medical bills resulting from a car accident.

Agents at ALLConnecticut Insurance are here to assist you in understanding your options if you’re involved in an accident with an uninsured driver. Contact us today to learn more. We proudly serve the West Hartford, CT, area.

Can You Have Too Much Homeowner’s Insurance?

Posted on by AgentInsure

Whether you are a new homeowner searching for an insurance plan or have purchased homeowner’s insurance over the years, you may wonder if you are buying too much coverage. At ALLConnecticut Insurance, we’re here to help guide our West Hartford, CT, community.

What Can Be Considered "Too Much" Insurance?

Your home is a significant investment, and questioning whether you have too much insurance is a valid concern. While it’s important to protect your property against potential damage, you also don’t want to spend more money than necessary.

Here are several factors that may indicate you have "too much" insurance coverage for your home:

Replacement Cost

Some policies may be based on market value rather than replacement cost. Market value includes the land, while replacement coverage focuses solely on the cost of rebuilding your home. Since land is not a structure that requires rebuilding, it’s important to ensure your policy is based on replacement cost. Our agents can help clarify this for you.

Coverage Not Applicable to Your Property

Flood insurance is typically not required unless your home is located in a flood zone and has a mortgage. Check with our agents to determine whether this type of coverage is necessary for your property.

Dual Policies

If you’re switching to a new insurer, make sure your existing policy is canceled to avoid having two active policies simultaneously. This can save you from unnecessary expenses.

Contact ALLConnecticut Insurance

When you’re ready to secure homeowner’s insurance for your West Hartford, CT, property, reach out to our experienced agents at ALLConnecticut Insurance. We’ll help you choose the right coverage for your needs and budget.