Ethan Keslar Interns at Keslar Insurance

ethan 2Newmarket, NH, December 27, 2018- Keslar Insurance Agency, a leading provider of insurance solutions in NH and ME, announced that Ethan Keslar will be interning for the month of January. Ethan currently attends the University of New Hampshire ‘s Paul College, where he is studying business administration with a focus in entrepreneurship and management. Prior to working at Keslar Insurance, Ethan worked for Goodhue and Hawkins a premier marina in Wolfeboro, New Hampshire where he worked closely with customers.

“We are excited to have Ethan in the office learning about the business. It is a nice opportunity for our family focused business. We are confident he will bring great energy and fresh ideas while he is here,” said David Keslar.

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

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13 Tips for handling Auto insurance when going through a divorce

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Photo by Pixabay on Pexels.com

Going through a divorce can be a stressful time. Figuring out how that impacts your auto insurance can be confusing. These quick tips may help guide and clarify.

  1. Make sure you know who your current agent is and how to reach them. Even better if you have a copy of your policies and know what you have for coverages. Both parties should know where they stand on insurance until they are on their own policies.
  2. Know that your credit can impact your insurance score as it is often one of the factors in insurance rating. Separation can cause confusion in who is paying what bills which can impact your credit score as you are working to detangle financial responsibilities. Make sure you work to maintain your credit scores to help save money down the road.
  3. Car insurance: you cannot remove your ex without consent- typically in writing. If you have separate addresses, separate vehicle titles, One person will have to get a new policy.
  4. If you move, you need to notify your insurance provider as a new Zip code can alter your car insurance premiums.
  5. Typically the insurance follows the car registrations. This means whoever officially owns the car and registers it, that is the person who typically has the insurance coverage on the car.
  6. Never have a lapse in coverage if you can avoid it- even if it is only a day. This can significantly increase premiums. The person getting new coverage should get the new policy in place BEFORE being removed from the prior policy. In other words, do not allow yourself to have a lapse in coverage as this can be quite costly- even only if for a short period of time.
  7. Children in divorce situations: typically the parent with primary custody will provide the insurance, but a licensed agent can help advise as situations can differ.
  8. Best time to separate policies- when divorce is finalized. Once divorce is final, one party will need a new policy.
  9. If you ex is paying for insurance after the divorce, make sure the insurance company has all your contact info as well so you are notified if payments are no longer made.
  10. The widow penalty- when you are widowed some company’s increase rates by as much as 20%. This is because that person is now considered “single” and single drivers pay higher insurance than married couples. Have your insurance company let you know if premiums will be increasing when you change your status. If so, a good independent agent can shop for these things.
  11. If you need a new vehicle know that many factors impact the insurance premiums including the purchase price, theft rate, cost of repairs ,accident rate, safety test results and more.
  12. Consider AAA or roadside assistance option to keep you protected if you have car troubles.
  13. Partner with a good licensed agent who is responsive, supportive and educates you on process and you options. An independent agent can help you find the best insurance options for your particular needs by shopping a variety of carriers on your behalf. By doing so, they can reduce a lot of stress that can be part of this transition process.

We’d be honored to be that resource that helps you through these life changes. Please reach out to us with any questions or to help review your insurance needs.

About Keslar Insurance

Keslar Insurance Agency is a full service independent agency providing residential and commercial insurance products in New Hampshire and Maine. Recent recipients of the Business of the Year from the Exeter Area Chamber of Commerce as well as the Business of the Year from the Newmarket Business Association, Keslar insurance is committed to the community.

Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Company Info
Keslar insurance Agency 55 Main Street, Suite 222. Newmarket, NH 03824
Website: http://www.keslarinsurance.com

 

 

Brendan Jorgensen now Licensed P&C Agent for Keslar Insurance Agency

 

 

Brendan JorgensenKeslar Insurance Agency is pleased to announce that Brendan Jorgensen is now a licensed property and casualty agent in NH and ME. He is now able to fully support home, auto and business insurance.

“We are excited to see Brendan move to this next level in his career with us. We are confident that he will provide exceptional service throughout the relationship with our customers.” said Lisa Keslar of Keslar Insurance.

Brendan is a resident of Newmarket,  where he and his wife are raising their two children. He’s very active in the community including working with the Newmarket Business Association and the BeFree Community Church.

Learn more about Brendan.

About Keslar Insurance

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.


 

Risk of buying auto insurance online. Price isn’t everything. Here’s an example.

online shoppingThinking of buying your auto insurance online? Please be careful. We recently had a prospect use one of those “name your price” type of insurance websites. She did get insurance. She did like the payments. She thought she was all set.

What she didn’t realize that she was insured for the state minimum requirements of:

  • $25,000 for bodily injury, per person.
  • $50,000 for bodily injury, if multiple people are injured in an accident

That sounds like a lot, right? But think a bit about it. If there is an accident, and either one person is pretty hurt or multiple people are hurt, what will that cost? Costs can include

  • the ambulance rides to the hospital
  • emergency room fees
  • all the x-ray and other tests
  • the cost of utilizing beds
  • the cost of the each of the physicians who review reports and meets with the patients
  • Costs of any medications
  • or any equipment supplied…

We could go on and on. One resource we found online stated the average cost of EACH injury from a car accident is over $61,000. If that’s true, the coverage of 25,000/50,000 won’t go very far. What happens if the expenses are more than the coverage you have? That could be an expense you could be responsible for out of pocket. Can you afford that?

So, what if you chose that policy because you were very concerned about price? Great question. We recommend you work with an independent agent who can look numerous carriers for you. They can find the carrier who offers the best price for your needs. They can tell you how inexpensive it may be to increase those coverages. They can make sure you are really getting every discount for which you are eligible.

What did our customer do? She switched to us. We found her discounts- including bundling her home and auto policies with one carrier. She was able to get much more substantial coverages for only a few extra dollars a month when we looked at all her insurance needs in totality.

It does pay to be a smart shopper. It can pay to work with an independent agent who can review all this for you, at no charge to you.

If you’d like someone to review your policies so you can see if you really have the right coverages at the right price? Have any additional questions? We are here for you- anytime. Don’t hesitate to reach out and we’d be happy to answer any of your insurance questions. We can be reached at www.keslarinsurance.com or 603-273-0953.  Keslar Insurance Agency is an independent insurance agency offering business, home, auto and life insurance in NH and in ME

Accident advice: do you need the insurance when you are given a rental car?

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Its a bad day. Your car is in an accident. The good news: you are ok and it isn’t your fault. Yup. I was just there this week.

The “other guy’s” insurance company provides you with a rental car. Now the question: Do you take the rental car company’s insurance? Why should you? They are paying for the rental and you didn’t cause the accident.

Well, gosh-forbid, what if your rental car is in an accident. Ok, I’ll admit that is really, really bad luck and maybe you should stay away from driving for a bit…

But seriously, this stuff happens. If you are in an accident with the rental car- typically your own car insurance would cover the repairs to the rental car but NOT the “loss of use.” What does this mean? This means, for the amount of time that rental car is getting repaired, the rental car company is unable to rent it to others so they are losing money. They often expect you to pay that! Read the fine print of the agreement.

How do you remedy that? You purchase the rental car company’s insurance policy which does typically cover loss of use. In some instances some credit card companies do offer some support for rental car coverages. We recommend you speak to them directly about the details.

Who would have thought? Hopefully your insurance agent. If you are every in an accident, your insurance agent should work closely with you to make sure you understand the claims process and the trade-offs on every detail, including items like “loss of use.”

Have questions? We are here for you- anytime. Don’t hesitate to reach out and we’d be happy to answer any of your insurance questions. We can be reached at www.keslarinsurance.com or 603-273-0953.  Keslar Insurance Agency is an independent insurance agency offering business, home, auto and life insurance in NH and in ME.

Gunstock Season Pass Holders Qualify for Home and Auto Discounts

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Concord Group Insurance has created a special Affinity program that provides savings and special benefits to its member policyholders. Gunstock Season Pass Holders qualify as a member of Concord Group Affinity Program, and can receive a 5% discount on  auto and home insurance as well as complimentary roadside assistance coverage and/or identity theft protection. These top quality auto and homeowners’ insurance policies provide robust standard and optional coverage to satisfy most needs. And the competitive rates result in peace of mind knowing you are getting the coverage you need at a great value.

Concord Group is dedicated to providing exceptional customer service. Concord Group is a mutual insurance company which means the policy holders are members of the Company. This means they have no stockholders- they are there for their policyholders!

These products are further supported by Keslar Insurance Agency. Contact Keslar Insurance today to learn more, take advantage of the affinity discount program and become a member of the Concord Group Insurance Company. www.keslarinsurance.com or 603-273-0953.

It’s deer season. What happens if your car hits one? It isn’t handled the same as a traditional auto accident.

deer car accidents insuranceAbout 1.5 million deer, elk and moose are struck each year, causing more than $1 billion in insured losses and affecting about one in 169 drivers, according to the National Association of Insurance Commissioners. From October through December, drivers’ chances of hitting a deer increase, according to the Insurance Information Institute (III). In fact, the organization says more deer crashes occur in November because it’s the height of mating season. Additionally, be extra cautious if you’re driving at dusk or dawn, as the III says these are the highest-risk times for deer crashes. Of course, those are times when cars are normally on the road, too.

Hitting a deer can be costly: According to the III, the average cost of deer-crash insurance claims was $4,135 in 2015. To help protect your vehicle (and your wallet), talk to a local agent to make sure you have the proper car insurance coverage on your policy.

As many an unlucky motorist will attest, you don’t necessarily have to run into a deer to be involved in a deer-related crash. A lot of times, you may not hit the deer; the deer may hit you or leap onto your car. Startled drivers who have run-ins with deer are often equally surprised by how their auto insurance treats their claims.

Logic might suggest that such animal crashes would fall under the collision portion of your policy, which pays for damage to your vehicle if you hit (or are hit) by another vehicle or object. Instead, animal-related damage is typically treated as an “other than collision” claim under your comprehensive coverage, or “comp,” which covers so-called acts of God such as wind, hail and flood, as well as fire, vandalism and theft.

Comprehensive coverage is strongly recommended for all drivers, unless your car has very low value. Collision coverage (which generally is sold as a package with comprehensive) won’t pay for damage caused by hitting an animal. However, collision could apply if you swerve to miss an animal and hit something else instead, such as a fence.

 Improve your safety with these tips:

  • Be extra careful when driving in areas known to have many deer.
  • Deer often move in groups, so if you see one animal, slow down and look for others.
  • Use high beams at night unless there is oncoming traffic.
  • Do not swerve if you see a deer.  Doing so could send you off the road or into oncoming traffic.

If the worst happens

Sometimes an accident is inevitable no matter how careful you are. Deer can dash out from cover with no warning, giving you no chance to stop.

If you hit a deer:

  • Move your vehicle off the road and turn on your hazard lights. Call the police. If possible, take pictures of the scene and any injuries to passengers or damage to the vehicle, for insurance purposes.
  • If the animal runs away after the accident, get a picture of hair or blood on the car to show that a deer was involved. Use this evidence to have the accident processed under comprehensive coverage.
  • Get contact information from any witnesses, especially if the animal runs off. If witnesses are able to wait, ask them to report what they saw to the police.
  • Even if you think the damage is minimal, check to be sure your vehicle is safe to drive. Look for tire damage, broken lights, fluid leaks or loose parts. You may need to call a tow truck.
  • Do not approach the deer, even if you think it’s dead. A wounded animal could injure you.

How to know you are protected.

All of us are at some risk for hitting deer because they can be found just about anywhere.  The right insurance policy plus defensive driving skills can greatly reduce your chances of injury and uncompensated expense. To learn more about if you have the right insurance policy, check with your local agent or reach out to us- we’d be happy to help www.keslarinsurance.com or 603-273-0953.