Is Damaged Caused by Snow Plows Covered Under Auto Insurance in Niles, IL

In Niles, IL, the agents of Bob Korvas Agency Inc. work with clients who have received damage due to many winter mishaps. One of the most common problems is damage caused by snow plows. While insurance agents recommend their clients park their vehicles in safe places to protect them from the effects of the weather, this is not always possible. It is important to have the best coverage possible in areas where this type of damage occurs to protect yourself from heavy financial loss. 

In the majority of cases, the type of damage will determine whether or not it is covered. If the damage is the result of the snow plow throwing snow or ice into the vehicle, comprehensive auto insurance may cover the cost of the repairs. If the snow plow collides with the vehicle (either the plow or the truck itself), the damage would normally be covered by the owner’s collision policy. If the vehicle was properly parked in an that is legally marked for parking or was sitting on the owner’s property in a driveway, the owner of the vehicle may be able to turn the damage into the snow plow company and have their insurance company pay for it. 

Residents who live in Niles, IL are encouraged to call the agents at the Bob Korvas Agency Inc. to have all of their questions pertaining snow plow damage answered. If you are in doubt as to what your auto insurance policy covers and what is excluded, call the agency today. An agent will discuss your policy with you and help you to make the best choice possible when it comes to both collision and comprehensive coverage.

Increasing Neighborhood Safety by Purchasing Better Home Insurance

What does it mean when a would-be criminal walks by a window that was broken after the last bad storm? It could mean that they think there aren’t very many people paying attention to the state of the neighborhood. One of the biggest reasons that streets maintain their value is because people take the time to maintain their property no matter what happens,  and home insurance is a large part of that. Find out more about how it works from Bob Korvas Agency Inc.

Being On the Ball 

The best homeowners in Niles, IL are the ones who simply don’t let things slide. Whether it’s a broken shutter, a damaged shingle, or a major crack in the foundation, they’re getting it taken care of without delay. This type of attitude is the same driving force that would alert the police if there was a suspicious character and discourage the wrong types of people from finding out more about who’s living within the houses on the block. While crime can never be eliminated completely, these precautions can go a long way. 

Finding Home Insurance that Works 

When you don’t have the money in your bank account to make all the repairs you need, this is where home insurance can be extremely handy. When unexpected events happen, you need a way to make those fast repairs that don’t send the wrong message and that not only keep your family safe but your neighbors’ families too. The less crime you have and the more you keep up on this kinds of damage control, the more likely it is that your home values will continue to rise too. Bob Korvas Agency Inc. serves Niles, IL, and can help you find the best policy to keep yourself and your neighbors safe, so call today!

Residential Noise Pollution: Have We Silently Learned To Live Without Silence?

What is Noise Pollution?

The agents and staff at the Bob Korvas Agency Inc. are glad you asked. There is no easy definition of noise pollution because it changes to each’s discernment.

What is noise to one can be soothing sounds to another? Pollution is when something becomes an irritant. With waste products that infiltrate our air, water or environment it much easier to classify and define. Noise, however, is not a tangible object.

On a spring day, a couple of neighborhood kids playing basketball at a corner home in the culde-sac and the noise that event elicits can be categorized as noise pollution to someone who doesn’t want to hear children playing. Birds chirping in the trees can be noise pollution to someone who is irritated by the sounds of spring. 

Though it is not easily defined doesn’t mean that attempts have not been made by authorities in Niles, IL and all over the country. There are ordinances in place to define noise pollution. There are categories and decibel levels that must be reached before the police can be called in to have your neighbor turn down the music at their barbecue.

Consideration is key to living peaceably with your neighbors. In addition to considering your neighbor’s circumstances surrounding their noise contribution, communication is critical to that consideration. 

The Bob Korvas Agency Inc. located in Niles, IL serves your home insurance needs and specialized in various other types of insurance as well. Everyone has different types of questions when it comes to insurance. If it were easy, then there would be no need for licensure or certification. Let us assist you with your concerns. There is no stupid question when it comes to protecting your health, and your assets. 

How Does an Auto Accident Affect your Insurance Premiums?

There are a wide range of things that can happen from day to day that will affect your insurance premiums. One thing that majorly affects your premiums is an accident. So how does it affect your policy and your premiums? Keep reading to find out.

For those that live in the Niles, IL area, the agents with Bob Korvas Agency Inc. can provide even more information. For those that want a brief overview, accidents often raise premiums dependent on how bad they are and how much money the insurance agency has to pay out to resolve the claim. For those accidents that are little more than fender benders, your premium may never go up.

For major accidents where the insurance agency is required to pay out a substantial amount of money, your policy is likely to rise as are your premiums each month. In some cases, if the accident is bad enough, the agency might decide that you are too high risk and drop your coverage altogether. In these cases, it is generally going to be a very bad accident that results in major injury or death, either that or the driver is at fault because they are not driving safely or they are under the influence.

It takes a great deal to get an insurance agency to drop coverage but it can be done. In these cases, it is important that you take the time to find the right company when you need insurance again because accidents stay on your record for years and can continue to affect your premiums from one agency to the next. For those in the Niles, IL area, the agents with Bob Korvas Agency Inc. can help you find the right coverage even if you have had an accident.  

Driveway Accidents: How to Minimize Accidents When Your Car Is Parked

Stranded At The Drive-In…

If you drive long enough, it will happen to you.  We at Bob Korvas Agency Inc. located in Niles, IL have too much road worthy experience to tell you otherwise. The day will come when you come out to your perfectly and legally parked vehicle, and you will find that it has been involved in an accident. It doesn’t matter if you have parked at your local grocery store or on the road with lots of fast traffic, it will happen. Let us tell you how to avoid being "stranded in the drive-in, branded a fool" like the star-crossed lover in the classic film Grease. 

We Wish It Were That Simple

Wish it were as simple as that scratch or nick you notice that someone had left when they absentmindedly opened the door at the mall. No, we are talking about the real deal – an accident. What could you do differently?  

  • If you are parking parallel to a curb turn your steering wheel toward the curb. In this way, if you are hit by another vehicle while you are parked your car will not go out into traffic. It happens.
  • Put on your emergency brake even if you are not parked on a hill. This takes a little wear off of your automatic braking system and makes your car more solidly stationary. 

Auto insurance is not our only bag here at Bob Korvas Agency Inc. serving the Niles, IL and surrounding areas we would love to introduce you to our entire line of insurance products. Please stop by our agency to learn more about staying stranded-free in every area of your insurance life or to get a quick quote on unbelievably affordable insurance protection.  

 

How To File a Claim if Your Home is Broken Into

Filing a claim when your home has been broken into is not entirely different from the process that you follow when your home is damaged and in need of repair. It is important that you know the basics of filing a claim in any event but especially in the case of a more common occurrence like a break in. For those in the Niles, IL area, the agents with Bob Korvas Agency Inc. can walk you through the step by step claims process. Until then, however, here is a brief look at what you need to do.

After your home has been secured by police and it is safe to go inside you will need to do a few things. First, take note of the damage that was done to enter the home. Was the door kicked in? Was a window broken? Was a screen cut? Or did the thief use other means to enter your home that leads to damage? This is going to be something that the insurance company is going to work to repair so that you can get back to living in the home. Locks will also need to be replaced in all likelihood.

After you survey the damaged caused when the thief gained entry, you want to look at what was stolen. Televisions, electronics, money, jewelry, guns, credit cards and more are often what thieves look for when they enter homes. Take the time to make a list of what was taken so you can claim it on your insurance. Next, you want to take note of any other damage that was done. Were mattresses cut open? Upholstery on the sofa cut up? Or was there any other notable damage? Your insurance company will cover both damage and stolen property. Your agent with Bob Korvas Agency Inc. in the Niles, IL area can help you fill out your claim and get back to living.

3 Tips for Driving in the Snow in Niles, IL

It’s winter time in the village of Niles, IL and with winter time comes lots of outdoor fun that involves snow, snow and more snow!  From sledding in Centennial Park on Western Avenue to Ice Staking in Millennium Park to building snowmen in the front yard, Niles, IL can feel like a winter wonderland.

Until you have to drive in the snow.  Then it can suddenly feel like a winter nightmare no matter how experienced a driver you may be.  First of all, being nervous is ok. That means you’re aware that there is more danger on the road during a snowfall than on a clear spring day.  And to help you get from Point A to Point B without any mishaps, we’ve complied a list of tips for driving in the snow in Niles, IL.  

1.  Slow Down

When it starts to snow and you need to be behind the wheel, be sure to observe the speed limit and stay at or under what is posted.  Because you can’t always predict what the road conditions will be like – icy and slippery, for example – you will want to have extra reaction time to slow down in case of an emergency.  

2. Avoid Distractions

Activities like talking on the phone, fidgeting with the radio controls, or reaching for something to drink are all distractions that should be avoided when you’re behind the wheel. When it’s snowing, however, it becomes even more important to minimize distractions since the chance of an accident increases in inclement weather.  

3.  Avoid Aggressive Drivers

There will always be people in a rush, even during a snowstorm.  If you observe a driver who is driving too fast or aggressively, keep your distance.  Move out of the lane to allow this kind of driver to pass and let them get far ahead of you to ensure your drive will remain safe.

Driving in the snow doesn’t have to be nerve wracking.  Simply follow the tips outlined above and be sure you have adequate auto insurance coverage through Bob Korvas Agency Inc. Sometimes accidents do happen, whether or not it happens to be snowing.  At Bob Korvas Agency Inc. we work with you to select the best auto insurance coverage available in Niles, IL so you can drive with confidence, even during a snowstorm.  

Considering Home Insurance: Tips, Benefits and Tricks

To get to the heart of insurance in Niles, IL, it means thinking about events that you’d rather not think about. This is entirely understandable but can lead to disaster for you and your family. Bob Korvas Agency Inc. wants you to know more about the tips, benefits, and tricks of home insurance in your area for a better general understanding. 

Tips 

The best tip we can give you is to plan for your home. This means that just because your sister pays a certain premium, you’re not basing your own costs off of hers. You may have more to protect or different priorities. You should also be willing to consider how you would pay for a variety of events that may happen. If you don’t have the savings to cover an incident, then you may want to make provisions for it in your policy. 

Benefits

Home insurance saves people thousands of dollars in out-of-pocket costs every day. Bills add up quickly, and the only way to keep a roof over your head may end up being your insurance. It gives people a sense of control when they can make their own decisions about what to do, rather than having to call upon friends or family to help. 

Tricks 

Finding a person who can answer questions about insurance is one of the best tricks Bob Korvas Agency Inc. can give the people of Niles, IL. You’re not going to be able to memorize every detail, so having helpful advice gives you a means to make informed decisions. If you’re shopping around for a new policy or you’ve just put the first payment down on your home, give us a call to see how we can help you figure it all out today. 

The Importance of Good Working Windshield Wiper Blades

Do you ever think about how long your windshield wiper blades should last or how important it is to replace them in Niles IL?  It’s easy to forget about them in good weather, but they quickly become crucial when you need them.  They are there to remove snow, rain, dirt, or other things that may impair your vision with a push of a button, so don’t overlook them.

Wiper Blade Use

Windshield wiper blades are one of the most durable parts of your vehicle.  They endure extreme hot and cold temperatures outside the cover of the car.  They may sit for extended periods of time without use and then be needed for hours on end.  Yet, they are made of thin, flexible rubber.  Over time, they will lose flexibility, crack, split, or even shred apart and come loose from the wiper arm.  These issues can lead to poor visibility and damage to the glass. 

Time for a Change

Experts recommend changing the blades every 6 to 12 months depending on the material the blades are made of and the weather conditions where you live.  Regular rubber blades have the shortest lifespan, halogen-hardened blades last longer, and silicone blades have the longest lifespan.  You’ll know when they need replacing if they leave areas that are clearly not wiped or if they squeak or chatter during use.

Bob Korvas Agency Inc.

At the Bob Korvas Agency Inc., we have insurance agents ready to work to help you with your auto insurance in the Niles, IL area.  We want to make sure you have the coverage necessary in case you end up with unexpected damages.  To many, having a vehicle to get you around it vital, so make sure you’re auto is properly covered.

Packing Tips that Make Moving Easier

No one likes the process of moving. It can be a very stressful time for everyone involved but there are ways to make it a bit easier. You want your move to the Niles, IL area to be as simple as possible and you can do just that when you use these tips from Bob Korvas Agency Inc. 

  • Color code your boxes. When you are packing, you should code your boxes based on the rooms they will go in. For example, use yellow for all kitchen boxes. Then when you move, these boxes can be placed in the right rooms so your unpacking process is easier. 
  • Label your boxes. Put some basic content information on the outside so you know what kinds of items are in the boxes. 
  • Keep an inventory. Even though you are marking the boxes, you should keep a detailed inventory separate so you can easily find smaller items when you need them, even if they are not unpacked yet. 
  • Pack a box for the first night. After moving, you will not want to unpack anything yet so instead, make sure that you have one box with things like bed sheets, towels, shampoo, toothbrushes, toothpaste, and anything else you will need on the first night. You will thank yourself for this later when all you want to do is get cleaned up and fall into bed. 

Now that you know your game plan for packing, you need to get a home insurance policy that can help protect you, your family, your finances, and your investment. If you do not already have a good home insurance policy in place, be sure to contact Bob Korvas Agency Inc. serving Niles, IL today. They can help you explore your options and get your a good quote that will work with your budget.