Tag: auto insurance

Your insurance representative at Magic City Insurance Group LLC serving Birmingham, AL, is here to ensure that you have the right coverage for your vehicle. But we also want you to know what to do on a practical level if you’re involved in a car accident. Here’s a handy guide that you might want to consider keeping in your glove compartment for when you need it.

1. Prioritize Safety

Your safety and the safety of those around you is paramount. Before doing anything else, get to a safe spot and help your passengers do the same. If possible, move your vehicle away from traffic to prevent further accidents. Turn on your hazard lights and place flares on the road if you have them, to alert passing vehicles. Call 911 if necessary.

2. Notify the Police

Next, inform law enforcement. You’ll want a police record on file to document the accident and facilitate the insurance claim process. Get the names of the officers and ask for the incident number for your records.

3. Collect Information

Exchange information with the other driver, including names, addresses, phone numbers, driver’s license numbers, license plate numbers, and insurance details. Note the make, model, and color of all vehicles involved. If there are witnesses, ask for their contact information as well. The easiest way to do this step is to take photos of everything with your phone.

4. Contact Your Insurance Company

As soon as possible, call your insurance representative at Magic City Insurance Group LLC serving Birmingham, AL, to report the accident. Be prepared to provide the information you gathered and follow their instructions for filing a claim.

Remember these helpful steps to ensure that your car accident claim is processed smoothly and that your rights are protected. Contact us to learn more.

If you’re in the market for auto insurance, you’ll need to decide whether to get your car insurance policy from an independent or captive insurance agent. Many people choose Magic City Insurance Group LLC, serving Birmingham, AL because they appreciate the benefits of working with an independent insurance agent.

This article explains how independent insurance agents differ from captive insurance agents. This information can simplify your search for car insurance!

What Is An Independent Insurance Agent?

An independent insurance agent works with a variety of insurance carriers. Independent insurance agents can shop around until they find the right policy for their customers. This differs from a captive insurance agent, who only works with one insurance carrier, resulting in limited customer options.

Two Reasons to Choose an Independent Insurance Agent for Your Car Insurance Policy

There are several benefits to choosing an independent insurance agent, including:

1. Ability to shop around for the right price and policy. If you’re committed to finding a policy that suits you, your independent insurance agent can do the shopping for you.
2. Acting in your best interests. Captive insurance agents often have quotas from their carriers and may not always act in their customers’ best interests. Independent insurance agents aren’t tied to a single agency and can help customers find the policy that is truly the best fit for them.

Need An Independent Insurance Agent for Your Car Insurance? Call Today

At Magic City Insurance Group LLC, serving Birmingham, AL, we help our customers connect with policies that meet their needs. To start shopping for your car insurance, call us today.