Month: February 2015

Ada, Oklahoma is a beautiful area in the south central part of the state. There are many home types and the weather can be mild in the summers and cool in the winters. Shopping malls, outdoor recreation, and more keep residents busy. For times when a metropolitan city is desired, Oklahoma City is less than 100 miles away.

When you have homeowners insurance, it’s important to know what is covered and what needs to be done when something goes wrong. If someone hurts themselves inside your home in 74820, you need to be able to file a claim.

A personal injury claim is made when someone has injured themselves as a result of your home or property. It could be as a result of negligence or simply an accident. While some people are not going to hold you accountable, others will.

The details of the claim can vary from accident to accident. When you need to file a personal injury claim, you will need to know about the accident, obtain names of people involved, witnesses if there were any, and hospital bills. It will be very likely that the insurance company will then work with the person who was injured and leave you out of it.

If you’re going to make a homeowner’s insurance personal injury claim in Ada, Oklahoma, you will want to make sure your policy covers it. Otherwise, you could be responsible for paying out of pocket.

Take the time and call one of our agents today. We can discuss a policy that is right for you in the 74820 area of Oklahoma. This includes how to make personal injury claims so you are not financially responsible any time someone hurts themselves on your property. We can obtain multiple quotes so you can see what’s out there.

Wintersmith Park Historic District is a beloved location in Ada, Oklahoma 74820. From the lake to the trails to the public amphitheater, there is always something to do. Fortunately, the city is working hard to preserve this historic district with upgrades to the Wintersmith Amphitheater and a host of upgrades elsewhere. If you are one of the lucky businesses that will be completing one of the improvement projects, it is important that you have your business insurance in place.

Understanding Commercial Insurance
Oklahoma requires anyone operating a business to maintain insurance. Since most businesses have to have multiple types of insurance, keeping costs manageable becomes part of daily operations. Safety and wellness programs help reduce the risks employees are exposed to, which helps businesses save money overall. Another measure companies can take to reduce the costs of their insurance policies is reporting fraud.

Reporting Fraud Saves on Insurance Costs 
Within the insurance industry, like other businesses, the costs of doing business are shared with customers. Insurance companies allocate overhead costs to various types of insurance based on cost assessments, historical information, among other business assessment tools. One major factor that drives insurance costs is instances of fraud. From commercial auto insurance to workman’s compensation claims, when fraudulent claims are made and processed, those costs are passed on to customers. You can report cases of fraud by calling us and speaking to one of our professional agents. They will be happy to forward the information to our fraud investigations department. 

Additionally, our insurance agents are readily available for providing you with insurance quotes to help protect your business from car accidents, thefts, or damage. Whether you have a small business or a Fortune 500 company, our insurance rates are competitive, yet provide your business with the coverage it needs for continual operations if your business experiences a loss.