My Battery Is Dead! Does My Auto Insurance Have Roadside Assistance?

Posted on November 15, 2024November 12, 2024 by AgentInsure

A dead car battery can be a significant inconvenience when you’re trying to get somewhere. Did you know that some types of car insurance provide roadside assistance? It’s true! At THINK Insurance & Financial Services, servicing Pomona, CA, we can help you find a type of car insurance that suits your needs. If you have a dead car battery, you may have a type of insurance that can help. Here’s what you need to know.

Understanding Roadside Assistance

Roadside assistance is a benefit that can help if your car breaks down. Different types of roadside assistance vary, but typically, they can help with towing expenses, jump-starting a dead battery, or installing a spare tire on your vehicle. Different types of roadside assistance offer different benefits.

Which Type of Auto Insurance Includes Roadside Assistance?

Generally, people who have full coverage auto insurance can get roadside assistance. Full coverage auto insurance is a combination of various insurance types to ensure that you’re fully protected when you drive your vehicle.

Full coverage auto insurance can pay to repair or replace your vehicle when covered events (like fire) occur. Full coverage auto can also pay to repair or replace your vehicle in the event of a collision, regardless of fault. Your insurance agent can give you a full explanation of full coverage auto and what it entails.

How Can I Get Insurance That Includes Roadside Assistance?

If you don’t have full coverage auto insurance but would like this type of policy for your vehicle, contact THINK Insurance & Financial Services, servicing Pomona, CA. We work with a variety of carriers to get you the protection you need. Call today.

Why Custom Motorcycles Need Specialized Insurance Coverage

Posted on October 31, 2024October 8, 2024 by AgentInsure

Custom motorcycles are more than just a mode of transportation; they are a labor of love and a reflection of personal style. At THINK Insurance & Financial Services, we proudly provide specialized motorcycle insurance to residents in the greater Pomona, CA, area; we understand that these unique bikes require specialized insurance coverage to ensure they are fully protected.

Understanding the Unique Needs of Custom Bikes

Custom motorcycles differ significantly from standard bikes. They often have unique parts, modifications, and higher valuations, making standard insurance inadequate. Specialized insurance considers these distinct features, providing coverage that reflects the true value of your custom ride.

Protecting Your Investment

Building a custom motorcycle involves significant time, effort, and money. Every modification adds value to your bike, from bespoke paint jobs to specialized engine work. Specialized insurance ensures that in the event of an accident, theft, or damage, you’ll be adequately compensated for your investment.

Comprehensive Coverage Options

Specialized insurance offers comprehensive protection tailored to custom bikes. This includes coverage for custom parts and accessories, agreed-value policies, and options for spare parts. Choosing the right policy lets you ride with peace of mind, knowing your bike is fully covered.

Why Choose THINK Insurance & Financial Services?

At THINK Insurance & Financial Services, we offer personalized insurance solutions designed for custom motorcycle enthusiasts. Our team serving the region in and around Pomona, CA is dedicated to helping you find the right coverage to match your unique needs and protect your passion.

Ready to Learn More? Reach Out to Us Today!

If you’re ready to safeguard your custom motorcycle, contact THINK Insurance & Financial Services today. Let us help you find specialized insurance coverage that protects your bike on every adventure.

What Can You Cover With Life Insurance?

Posted on October 15, 2024October 8, 2024 by AgentInsure

If you’re considering getting a life insurance policy, you may wonder what to do with it. If that sounds familiar, keep reading to see what can be covered with this policy. You can do a lot of things with this policy and your beneficiaries.

Final Expenses

The most common use for any life insurance policy is to cover the costs of final funeral expenses. These can add up quickly and can be a burden on your family that’s already mourning. Make sure you leave enough to cover any services you want.

Outstanding Debt

If you have any property that you want to leave behind for your loved ones, make sure there’s enough money in the policy to cover what you owe. When you draft the policy with an agent, consider your current balance and leave enough so your loved ones can pay off anything you owe and access this property as you intended.

Medical Expenses

In your final days, you may accrue unexpected medical expenses. You don’t want those to burden your loved ones and cause a lien on property you may own. Make sure you leave some financial cushion to cover any potential hospital stays, ambulance rides, or other last-minute expenses that may arise.

Inheritance

If you have loved ones who currently depend on you financially, you can use this policy to leave behind a large sum of money to cover expenses. Consider your current income and the number of years you intend to take care of these dependents. Make sure you leave enough to cover a minimum of those expenses. Anything left over can be considered a financial gift or inheritance for them to use in other ways.

If you’re considering getting a life insurance policy, our THINK Insurance & Financial Services agents are here to assist you. We look forward to serving residents of Pomona, CA, and surrounding communities.

What to Consider When Choosing Your Auto Insurance Plan

Posted on September 30, 2024September 13, 2024 by AgentInsure

There are two types of people when it comes to safety. Some people take precautions, and people who don’t. The good news for those who choose to be prepared is that auto insurance can often provide the solutions and help they need, especially when they need it most. The good news for those who choose to forego ample insurance protection is, well – they may never have an accident, get hurt, or need help. For people in and around the Pomona, CA area who rely on the coverage and protection that auto insurance provides, however, the team at THINK Insurance & Financial Services can help.

What You Should Consider When Considering Your Next Auto Insurance Plan

For most drivers, the question isn’t about needing insurance but about how to get the right coverage and plans for their vehicle and driving needs. That is also where the help of trusted, experienced, and professional agents can make a difference. Here are a few things you and your agent might consider when choosing the right auto insurance plan for you and your vehicle:

Value of your vehicle
Average miles driven daily
Normal traffic routes taken
Auto-related crime rates in your area

The right auto insurance plan and insurance partner can make a difference, from getting the right policy limits to the coverage you need.

Auto Insurance Solutions in Pomona

If you live in the greater Pomona, CA, area and have questions or want to learn more about auto insurance, our team at THINK Insurance & Financial Services can help with all your questions and auto insurance needs. Don’t take unnecessary chances or gamble with your safety. Contact us to learn more about how we can help you get the protection you need and deserve today at THINK Insurance & Financial Services.

Health Insurance – The Claims Process Explained

Posted on September 16, 2024September 13, 2024 by AgentInsure

Health insurance claims reimburse a patient for services that a medical practitioner rendered. Learn some basics about the claims process. Then, consult one of our THINK Insurance & Financial Services agents if you want additional information about your insurance policy.

Direct Billing

When a medical provider within your network sees you, you will receive a bill listing the medical procedures performed. A representative of the medical facility will submit the bill to your insurance provider. The bill will contain codes that relate to the types of procedures that were performed.

Individual Claim

If you are seen by a medical provider outside your network, you may be responsible for filing your own insurance claim.

Typically, you can file a claim online. You will simply need to do this through your insurance provider’s website. You can also fill out a paper claim form and send it to your insurance provider.

Claims Process

The claims process requires reviewing the bill or claim information. During this process, whether you are approved or denied for the claim will be determined.

If you are approved for the claim, you will be reimbursed for out-of-pocket costs that you were responsible for after the medical services were rendered. You may receive a full or partial reimbursement for the amount you paid.

Policy Assistance

You may have additional questions or concerns about health insurance claims. Each billing process is unique and will be personalized based on the services you have received. One of our agents, who serves Pomona, CA, can help you with any issues you have with your insurance policy. Give one of our agents a call today.

What Are Some of the Things Not Covered By Condo Insurance?

Posted on August 30, 2024August 14, 2024 by AgentInsure

Navigating condo insurance can often raise more questions than answers. At THINK Insurance & Financial Services in Pomona, CA, we strive to help you understand what your condo insurance policy typically covers and, more importantly, what it doesn’t.

Structural Elements of the Building

A common misconception about condo insurance is that it covers all structural elements of the building. However, individual condo insurance usually doesn’t cover the exterior structure or common areas. Therefore, it’s critical to understand where your coverage ends and where the association starts to avoid unexpected lapses in coverage.

Flood and Earthquake Damage

Standard condo insurance policies often do not cover damage caused by natural disasters like floods and earthquakes. Given that these events can cause extensive damage, it’s a good idea to consider acquiring separate flood or earthquake insurance if you live in an area vulnerable to these risks. This added coverage can grant peace of mind and financial protection.

High-Value Personal Items

While condo insurance does cover personal belongings, there are limits to this coverage. High-value items might exceed those limits. To ensure these valuable assets are adequately protected, you could need to purchase additional riders or endorsements specifically for these items.

Wear and Tear

Condo insurance is designed to safeguard against sudden and accidental damage. It doesn’t cover things like wear and tear. Routine maintenance and upkeep of your unit are critical, as claims related to neglect or deterioration are not covered.

Understanding the limitations of your condo insurance is critical to avoid unpleasant surprises. At THINK Insurance & Financial Services in Pomona, CA, we’re here to help you navigate your coverage options and ensure you possess the protection you need. Contact us today to review your policy and explore additional coverage options tailored to you.

Renters Insurance: For All the “Stuff” In Your Home

Posted on August 16, 2024August 14, 2024 by AgentInsure

Insurance is arguably one of the most crucial types of protection available today. From auto accidents and fires to protection for various personal and renter requirements, insurance often serves as our frontline defense against numerous potential risks. However, how insurance works for you and the kind of insurance you need can differ from person to person. That’s where working with a trusted and qualified agent can prove invaluable. This is why people from Pomona, CA, turn to the THINK Insurance & Financial Services team for all their renter’s insurance needs.

Shielding Your Property, Possessions, and Belongings

If there’s ever a fire, flood, or some other catastrophic event, and you rent your dwelling, the good news is that you won’t bear the cost or burden of repairing your home or living structure. On the flip side, you might need to find temporary accommodation, and more than likely, you’ll have to replace most of your belongings.

Fortunately, if you have renters insurance, many or most of your personal property, belongings, and everything you value can be replaced. Renters insurance is your solution if you’re a renter and want to shield your personal items from loss or theft.

Renters Insurance in Pomona

If you live in or around the Pomona, CA area and need insurance for your rental residence or have questions, we’re here to help. We can’t predict when the unexpected will happen, but we can be prepared when it does with the right insurance solutions. Contact us to learn more and schedule an appointment for the renters insurance and protection you need and deserve today at THINK Insurance & Financial Services.

What Types of Commercial Insurance Products Should Small Businesses Consider?

Posted on July 30, 2024July 15, 2024 by AgentInsure

Navigating the intricate world of commercial insurance can often feel like moving aimlessly through a maze. At THINK Insurance & Financial Services, we provide insurance products in and around the greater Pomona, CA region, and we’re on hand to guide you through. Let’s understand the crucial types of commercial insurance products that every small business should contemplate.

General Liability Insurance

General liability insurance acts as your initial defense line. It covers an extensive range of possible risks—including bodily injury, property damage, and personal injury claims. For instance, if a customer slips in your store or a client asserts that your advice led to their financial loss, general liability does its part to keep you covered.

Property Insurance

Property insurance is a must-have regardless of whether you own or lease your business premises. It defends your physical assets, such as buildings, equipment, and inventory, from risks like fire, theft, and natural disasters. View it as a shield for everything you’ve worked hard to accumulate. Without it, bouncing back from unforeseen damage or loss can be economically crippling.

Workers’ Compensation Insurance

If you employ people, workers’ compensation insurance is not just a sound decision—it’s often legally mandatory. This form of insurance covers medical expenses and lost wages for employees who get injured or fall sick due to their work. It also offers protection for your business against lawsuits pertaining to workplace injuries.

Choosing the right commercial insurance products is instrumental in shielding your small business. At THINK Insurance & Financial Services, serving the greater Pomona, CA region, we are dedicated to helping you make informed decisions. Are you prepared to safeguard your business? Contact us today to discuss your insurance requirements and find the ideal coverage to address your unique situation.

Life Insurance for Now and Later

Posted on July 16, 2024July 15, 2024 by AgentInsure

People in the Pomona, CA, area value the benefits of possessing insurance for numerous reasons. Some find comfort in the reassurance provided by knowing they are covered should they ever face unexpected occurrences. Others appreciate the protection from potential costs and expenses arising from unavoidable claims. Regardless of the reasons for acquiring and maintaining insurance, having a trustworthy insurance partner can play a pivotal role. For this reason, a significant number of individuals from and around Pomona, CA, choose to collaborate with the amicable and proficient team at THINK Insurance & Financial Services for all their insurance requirements.

Life Insurance: Present and Future Map

Life insurance emerges as a common necessity among the myriad of insurance plans people consider. While most don’t allocate much thought to life post-demise, life insurance becomes a crucial point of consideration when they do. The most noteworthy advantage of life insurance is that it provides financial support after passing it on to our loved ones and manages the expenses for our final rites, such as casket purchases, the performance of the services, and various other end-of-life expenditures. In essence, life insurance can mitigate our financial concerns, both now and in the future.

Servicing All Your Life Insurance Requirements

If you reside in or around the greater Pomona, CA area and seek more information on life insurance or if you require coverage, our experienced and professional squad of agents at THINK Insurance & Financial Services is here to assist. To different people, insurance could signify different things, but it unilaterally symbolizes obtaining the support you require the most in times of need. Contact us today to schedule an appointment for the insurance resolutions you seek and need today at THINK Insurance & Financial Services.

What to Do If Your Driver’s Registration is Suspended

Posted on June 28, 2024June 11, 2024 by AgentInsure

If you drive a car, you know you are responsible for getting car insurance. If you live in the Pomona, CA area, and you’re looking for an experienced insurance agent, we invite you to talk with one of our agents at THINK Insurance & Financial Services. We’ve been serving clients in our area since 2007, and we look forward to meeting with you and helping you find the right policy. We’ll explain your minimum liability requirements and other options that may benefit you.

Is Your Registration Suspended?

Car owners are mandated by law to buy car insurance for their vehicles. If your State’s Motor Vehicle Agency doesn’t get proof of insurance for your car, it will suspend your vehicle’s registration. You cannot operate that vehicle until the DMV receives proof of insurance. This action is taken to protect both drivers involved in an accident.

To clarify your options, you have 30 days to show proof of insurance coverage after submitting a registration for a vehicle. If your vehicle’s insurance is canceled, you have 30 days after cancelation to notify the DMV of a new insurance policy. You must submit proof of insurance plus $14 as a reinstatement fee to reinstate your registration. Your evidence can be sent online, by email, or by mail. A DMV office is unable to clear a suspension.

Call Us Today for an Appointment

Our agents will review all the auto insurance options available to you. If you’re in the Pomona, CA area and looking for auto insurance, you’ll find the answers you’re looking for at THINK Insurance & Financial Services. Don’t take a chance by driving uninsured. Call us for an appointment today, and we’ll help protect you on the road.

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