Frequently Asked Questions

 A deductible is an amount that you're responsible for in the event of a loss. This is the amount you pay out-of-pocket, and insurance covers the remainder. 

 When speaking with your Asher Insurance agent to set up your policy, any valuables you are concerned about and our agent can review your policy and recommend changes to ensure your valuables have proper coverage. 

 No. You do not need a new home appraisal during the renewal or coverage change process. 

Uninsured motorist auto insurance coverage is coverage which protects you and the people in your car in the event another driver hits you with inadequate insurance coverage or no insurance at all.  Often drivers that carry low auto insurance liability limits do not have many assets to protect.  So in the event that you or someone in your car is badly injured by another driver and they have inadequate auto insurance liability limits there is nothing to gain by suing the driver. 

The most important thing to remember about filing an auto insurance claim is to make sure you call EMS or 911 first.

That may sound crazy but making sure a situation is safe and the proper authorities have been notified is important.

The insurance company is going to want to see a police report especially if there was another vehicle or someone else’s property involved in the accident.

As far as when you should file. Calling the next day is fine but the sooner the better. Remember you can always call your independent insurance agent to make sure the claims process is handled properly.