Monthly Archives

March 2019

file an insurance claim

Tips for Filing an Insurance Claim

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Accidents and natural disasters can strike without warning, causing costly damage to your home, vehicles and personal belongings. When this happens, you will have to file an insurance claim in order for your policy to kick in and recoup your losses.

In order to get the most out of the claims process, consider the following tips:

  • Call John Scott Insurance Agency as soon as an incident occurs. The quicker you get the process moving, the better. After you’ve contacted us, we will get everything in place for an adjuster to come and inspect the damage.
  • Document your losses before the adjuster comes. Make a thorough list of property that has been impacted by a disaster. Provide purchase receipts, or estimate how much the belongings cost and when you bought them.
  • Take photographs of the accident scene, and don’t throw out damaged items before notifying us.

Above all, it’s important to document the claims process, noting when you speak with the team here at John Scott Insurance Agency and what the conversations entailed. This will help you track the amount of reimbursement you should receive and allow you to keep a record of insurance claims for future use.

 

manage credit card debt

Managing Credit Card Debt

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Credit cards can be incredibly helpful, particularly when you need to make a large purchase. However, if you don’t keep up with your payments, credit card debt can compound and create a serious source of stress. You need to manage credit card debt.

To get the most out of your credit cards without piling up debt, consider doing the following:

  • Treat your credit cards like cash. Avoid spending money you can’t pay back in a timely fashion.
  • Pay the entire balance of your credit card each month.
  • Select cards with no annual fees, 30-day grace bill periods, rebate incentives or other incentive programs.
  • Conduct an assessment of your expenses on a quarterly basis, and make adjustments to your spending if you are going over budget.
  • Enroll in a prepaid credit card program where you load money onto the credit card for purchases. Once you’ve reached your set limit, the card will not work.

Seek out financial assistance if you feel overwhelmed by debt. By reaching out to a financial advisor, you will be able to find specific ways in which you can minimize your debt and improve your personal financial situation.

 

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