What to do if you're in a car accident in Hawaii

What To Do If You Get Into a Car Accident

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What to do if you're in a car accident in HawaiiBeing in an accident can be a very frightening event. Being prepared to know how to handle the situation when it occurs will help you deal with the shock of it, as well as ensure you are covered for the loss when it does happen. While accidents will happen to almost every driver, whether their car is parked and unattended, or while they’re driving, knowing these important steps will help you deal with the unfortunate situation.

Safely park your vehicle: If you happen to be driving when the accident occurs, safely pull the vehicle over to the side of the road. If possible, carefully write down the license plate and description of the other vehicle(s) involved in the accident. If you are reporting a hit and run, this information will aid police in locating the driver. In the event of a hit and run it most likely happens when your vehicle is unattended. If you return to your vehicle to find damage, look for clues to help you prove your case, i.e. Security cameras.

Assess any Injuries: If someone is injured, take care of their immediate needs and quickly call 911. It is typical to be jittery after such an event so catch your breath too.

Call police: Once you’re safely parked, you should call the police to file a report, especially if another party is involved. It’s important to always have documentation of how the accident happened. Some people want to settle the claim without going through insurance, but this comes with risks. The other driver may not live up to their word and without contacting the police, it turns into a he said, she said scenario.

Exchange Information: Exchanging insurance ID cards is always recommended. Be sure to have their name and phone number too. It’s simple to take a picture with your phone. Be sure to include the car’s license plate number, year, make and model too.

Take pictures/Gather any witness information: If you have a witness who wants to share their side of the story, jot down their phone number and name. Your insurance company will want to talk with any witness to the accident. Taking pictures also gives your insurance company more details on the damage of your vehicle.

Call your insurance company: Sometimes even though vehicles collide, the damages may be limited, so you’ll want to take a close look and determine if you want to pursue a claim or get an estimate first before calling your insurance company. If someone was injured or if you have major damage, it’s always best to call your insurance company immediately. Your insurance company can assist you with your claim so if you have taken pictures and provided all the information above, your claim can be settled quicker.

While we hope you never have to experience a car accident, being prepared will help you tackle the unfortunate situation.

If you have questions about your auto insurance, call the insurance agents at Carr’s Insurance Agency in Waipahu. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

Spring cleaning your Hawaii home

5 Things to Keep in Mind for Spring Cleaning Your Home

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Spring cleaning your Hawaii home Cleaning a home deeply should be done once a year and spring is a great time to dig in and actually do it! Instead of focusing on a long list of things to accomplish, we’d thought we’d share five things to keep in mind when it comes to spring cleaning your home.

Keep it, Store It or Donate It

This is an easy reminder when it comes to cleaning out your house and it can apply to any room. For clothing items, ask yourself if you have worn it in the last year. If the answer is no, look to donate it. You can help others in need this way and that always feels great. Seek out charities that support your community.

Break It Up In Sections

Just the thought of spring cleaning can be exhausting for some people. Instead, focus on breaking up your cleaning by sections or rooms. For example, put all your cleaning attention into your kitchen for the first day. Wipe down your cabinets, organize the inside of your cupboards or drawers, or give your refrigerator a nice scrub. This feels much more doable versus looking at your long list of cleaning for your entire house and asking yourself, “Where do I start?!”

Create a List & Check It Twice

For many people, creating a to-do list feels productive and how good does it feel once you can officially check if off? Follow our suggestion by breaking up your cleaning into sections and making a list of what you want to accomplish in each room.

Make it Fun

Get your family or other household members involved, assign them specific tasks, turn on some good music then celebrate with a night out together. Don’t feel like you have to clean all day long to feel like you’ve been productive. Marking several items off your list can simply do the trick!

Looking for a Basic Spring Cleaning Checklist? Start here.

Top Areas to Clean in Each Room

  • Dust all furniture, picture frames, television, or hanging décor on walls.
  • Dust ledges or other areas you cannot see at eye (ceiling fans, top of cabinets)
  • Clean windows or mirrors
  • Dust or wipe down baseboards, blinds, window sills, vents.
  • Sweep & mop floors
  • Vacuum carpet and rugs
  • Change smoke detector batteries
  • Wash curtains
  • Vacuum furniture cushions
  • Disinfect items like your TV remote, door knobs, computer mouse or kitchen drawer handles.
  • Organize each room & donate/discard what you won’t use.
  • Disinfect your bathroom items like tub, shower and toilet. Wash shower curtains.

Your home is a valuable asset so keeping it clean will not only keep it in tip-top shape, but will clear the home of allergens, bacteria and mold that can build up over time. With a little elbow grease, you’ll be done in no time.

If you have questions about your insurance, call the insurance agents at Carr’s Insurance Agency in Waipahu. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

A checklist to complete when leaving your Hawaii home for vacation

A Checklist to Complete If You’re Leaving Your Home for an Extended Period of Time

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A checklist to complete when leaving your Hawaii home for vacationWhether you are a snow bird who flocks to warm weather in the winter or you’re taking a vacation, you should always protect your home while you’re away. The last thing you want to hear while vacationing is that a pipe burst or your home was burglarized. Follow these simple steps to ensure your home is safe while you’re away.

Protect from Theft

  • Alert the post office to hold your mail until you return. If you are staying at your vacation home for a long period of time, perhaps forward your mail to that mailing address.
  • Stage your home as if you are still there. Use an automatic timer to turn on and off your lights. You can set them up in different rooms to make it look like you’re moving around the house. To keep it efficient, use LED bulbs in your lamps you intend to leave running throughout the night.
  • Set an alarm. There are countless great, affordable video surveillance options that sends you a text when there is motion detected at your home, both inside and out. You can then pull it up and watch a live video stream allowing you to record the activity as well as call police. Additionally, if you see a package is delivered you could ask a neighbor to pick it up off the doorstep until you return.
  • Place small valuables in a hidden place or safe. If you own jewelry, guns or cash, or have social security cards, memory cards or other valuable items, put them into a safe. Safes are typically extremely heavy and unable to be moved by one person even if not bolted to the floor.
  • Hire someone or notify your neighbor to do the simple things. For example, if you are gone for the weekend and the trash gets picked up on Fridays, ask your neighbor to pull your waste bin in for you.

Protect Your Home From Damage

  • Always turn off your water. You would hate to have a pipe burst or refrigerator leak while you’re away. If you live in a cold weather environment, drain all your pipes of water. Laundry supply lines are bigger, so be sure to turn those off at the junction box if you decide not to turn off all water.
  • Set your thermostat. Keeping your thermostat on will stop pipes from freezing in your ceiling or walls. It doesn’t take much, say 60 degrees or so.
  • Clean out your gutters. If you’re planning to be away for a while, cleaning your gutters can ensure any heavy rains won’t overflow the gutters and flood your home or damage the roof.

Going away for a while can be exciting. You shouldn’t have to worry about your home while you’re away so completing some simple tasks beforehand can ease your concern.

If you have questions about your home or renters insurance, call the insurance agents at Carr’s Insurance Agency in Waipahu. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

Home Insurance Options in Waipahu, HI

Which one is best for your homeowner’s policy: ACV or RCV?

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Home Insurance Options in Waipahu, HIInsurance policies are full of language and terms that may not be clear right off the bat. Many terms are specific to the industry and to the specific type of insurance that is being purchased. Having a local insurance agent for all of your insurance coverage allows you to chat about all the details with your agent so you completely understand your policy. If you haven’t done this, there are many potential claims where it’s easy to assume you have full coverage.

EXAMPLE: Your $4,000 couch was ruined in a home fire. After filing a claim, you might assume you will be fully reimbursed for your couch since you have a homeowner’s insurance policy. However, it depends what type of coverage you have.

There are two such terms on a homeowner’s insurance policy: Replacement Cost and Actual Cash Value. These terms can be a bit confusing to decipher between.

  • Replacement cost is very simple: Your insurance company literally reimburses you for the covered personal property lost based on replacement cost at the time of loss with no depreciation. Replacement cost policies tend to be a bit more expensive since you are essential getting a brand new item for one that may have otherwise depreciated. Replacement costs are agreed upon by all parties before the insurance policy is finalized. If you have high-ticket items (jewelry, art, RV, boat, luxury vehicle or classic car) this may be the best type of coverage if you can afford it.
  • Actual cash value is the cost to replace the item minus any depreciation. For your damaged couch, if you had an actual cash value policy, your insurance would pay out the cost of the couch minus any depreciation. Therefore, your couch is worth less than what you paid. An actual cash value policy can put you in a tight spot if your items cost more to replace or repair than your policy pays out.

No matter which policy type you choose, the local experts at Carr’s Insurance Agency can answer any questions and walk you through the different types of scenarios to see which policy type is right for your situation. Our local insurance agency can guide you through your homeowner’s insurance policy and more, like auto insurance. Our years of insurance experience can save you a bundle, and we live right in your area, so we know firsthand what your insurance needs might be.

Insurance for your jewelry in Waipahu, HI

Simple Steps to Keep Your Jewelry Protected

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Insurance for your jewelry in Waipahu, HIJewelry is valuable not only because of its beauty, but the special meaning behind it. Does it represent 30 years of marriage? Was it passed down from a great grandmother? Was it given to you to celebrate a special moment? Between its sentimental value, as well as financial value, our local insurance agency wants you to be fully protected.

Anything can happen to your jewelry, whether it’s stolen, damaged or accidentally slips off your finger while swimming in the ocean. While memories of the jewelry itself cannot be replaced, a good insurance policy can provide financial protection to an unfortunate situation.

If you own jewelry that’s valued over $1,000, consider getting an insurance policy endorsement to insure its value.

Like other valuables coverage, insurance for your jewelry can simply be added to your home or renters insurance policy on something called a “floater.” It’s a simple insurance policy extension. A good policy will cover everything from theft and damage. The cost of coverage varies, typically $1 – $2 per $100 in value for a yearly policy. So, for a $5,000 ring, you’d expect to pay $50-$100. By calling Carr’s Insurance Agency, we will ensure we find the best coverage for your jewelry. We can also help answer any questions regarding ‘what if’ situations.

Here are some questions to discuss with our agents so you fully understand your insurance coverage.

  • If your jewelry is stolen, will you be reimbursed the full amount you paid? What happens if it was accidentally lost?
  • If your jewelry has appreciated over the course of owning it, will your insurance company honor its new value or what you paid for it?
  • What happens if you simply lost a small piece of your jewelry? Would you insurance cover the cost of replacing the stone?
  • Don’t forget to ask for discounts! If you plan to safely store your jewelry when you are not wearing it, you could qualify for a discount from some insurance companies.

While we hope you never have to experience an insurance claim for your jewelry, it’s always important to be prepared.

Items you need in case your jewelry is lost or stolen:

  • Original Receipt
  • An appraisal – if you don’t have the original receipt, at least have an appraisal.
  • GIA Certificate or similar reputable certificate
  • Take photos of all of your jewelry and store them on the cloud or a zip drive that’s stored in your safe.

Keep these items in a safety deposit box or safe in your home. If you’d like to know more about insuring your jewelry, contact an agent at our office. We’ll give you the best options for insuring your jewelry as well as answer any other questions you may have.

Gap Insurance in Hawaii

Everything You Need to Know About Gap Insurance

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Gap Insurance in Hawaii While buying a home tends to appreciate in value overtime, buying a vehicle is the opposite. Especially if you are buying a brand new vehicle, the moment you drive off the car dealership’s lot, your vehicle has already depreciated in value. For many vehicles, the more expensive the purchase, the faster the depreciation. New vehicles offer more safety features and conveniences, so we understand why people like them.

If you are financing or leasing a vehicle, you may benefit from Gap Insurance.

Imagine this scenario: While out enjoying your new car, you hydroplane and hit a guardrail damaging your new vehicle beyond repair. The insurance company is telling you that your new car is a total loss. If your car is totaled, that means it will cost more to repair it than the car is actually worth because of depreciation.

Gap insurance acts as additional car insurance coverage that will pay off your loan if your car is totaled or you owe more than your car’s new depreciated value. This coverage is usually limited to 25% of your vehicles actual cash value at the time of loss. Check with an agent about specifics for your company. 

What does your car insurance cover if you’re in an accident?

When you lease or finance a car, many lenders require you to have collision and comprehensive insurance coverage on your vehicle until you have paid off your car. If your vehicle was totaled, your insurance company will only pay what it is worth, not what you owe. This is what creates a gap between your current loan balance and what your car is actually valued at today.

Is gap insurance for you?

It depends how much you owe on your vehicle & if you could afford to pay the difference if your car was totaled. Let’s say you bought your car for $20,000. Over the course of your ownership, it’s now valued at $13,000. You currently owe $17,000 on your loan but were recently in an accident where your vehicle was totaled. Could you pay for the $4,000 difference out of pocket? Keep in mind, if you bought a luxury car, they can lose as much as 60% of its value over the course of five years. You may have an even bigger gap between your loan balance and current value of your vehicle.

Options for gap insurance: There are two options for purchasing gap insurance.

  • It can be purchased from the dealership or through an insurance agent. If you choose to purchase gap insurance through the dealership you purchase your vehicle from, the gap insurance will be built into your loan. The average price for gap insurance from a dealership is around $1,000, but add interest and taxes and it can add up to much more.
  • If you choose to purchase gap insurance from an insurance agent, on average it would add less than $10 per month to a policy! There may be certain stipulations associated with a gap insurance policy:
  • The loan may need to be through a financial institution rather than an individual.
  • Your current auto insurance policy may need to include Collision and Comprehensive coverage.
  • Your claim may need to be a covered Collision and Comprehensive coverage event.
  • Your vehicle may need to be determined as a total loss.

Before you purchase a new vehicle, make sure to check with your licensed insurance agent in to see how you can add gap insurance to your new vehicle policy.

The local, independent agents at Carr’s Insurance Agency can assist you with adding or amending an existing policy or setting you up with a new policy. Our years of insurance experience can save you a bundle. You can also visit our insurance website 24/7 to learn more about auto insurance or the other insurance products they offer like classic car or home insurance.

Questions to ask your local insurance agency in Hawaii

4 Things You Should Complete in the New Year for Your Insurance

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Questions to ask your local insurance agency in Hawaii The start of a New Year always energizes us to start off on the right foot. Whether it’s committing to spend more time with family, exercising more or saving money, New Year’s resolutions are common for everyone. But, what about your insurance policy? Is there something you can do at the start of every year to save money or keep yourself fully protected? We share four items to complete.

Actually Complete a Home Inventory Checklist

Sure, this is always easier said than done. But it doesn’t take as long as you may think. Plus, you would regret NOT doing this if you experience a disaster in your home. You can start by taking pictures of each room in your house. Always include your big ticket items like jewelry, art, electronics, antiques, furniture and anything else you highly value. Get into the habit of taking a picture of your receipts for big ticket items too. To keep your home inventory list safe, store it on the cloud or save your documents on a zip drive that’s stored safely.

Keep In Touch With Us

Always keep us up-to-date with your life changes. Are you driving less? Did you remodel your home to add value? Did you purchase big ticket items? By keeping us in the loop, we’ll keep your insurance policy updated, make sure you are fully covered and may be able to find additional discounts.

Ask Us Questions

When you use a local insurance agent instead of purchasing insurance online, you get guidance and professional advice. Do you know exactly what your insurance covers? If you want the cheapest insurance plan, you may not realize what risks you’re taking by opting for less coverage. We never want you to be surprised if you have to file a claim and find out you’re not covered. Did you know if your home experiences a flood or an earthquake, you would need a separate policy to be covered? Continuously ask us questions. You should always know what you are and aren’t covered for with your insurance policy.

Always Ask Before Shopping Around

Did your auto insurance increase $300 this year? It’s normal to think you need to shop your insurance elsewhere. However, being a local insurance agent, we have MANY insurance companies to quote from and it may be as simple as asking us to shop around for similar coverage with other companies. Let us do the shopping for you! As an independent insurance agent, we can review your coverage and ensure you have the best company for your current situation.

By following the four topics above can keep you informed and prepared for any unfortunate situation.

If you have questions about your home, auto or renters insurance, call the insurance agents at Carr’s Insurance Agency in Waipahu. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

Prevent water leaks in Hawaii with these easy tips!

The Places to Watch to Avoid Water Leak Damage

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Prevent water leaks in Hawaii with these easy tips!The unfortunate reality of home or condo ownership is that over time you will most likely develop a leak that could cause major damage if it goes unchecked. If you own a home or condo, regularly check these places for leaks that can cause damage and may go unnoticed.

The Water Heater

Your water heater has a lifespan of approximately 10-12 years. Some go much longer, but that’s just betting that luck is on your side. When water heaters do fail, they unfortunately leak water out the base and all over. By nature, a water heater will continue refilling itself as it drains, so you could have quite a mess on your hands.

Toilet & Sink Lines

If you haven’t already installed braided stainless water lines, do it now! This is the simplest way to protect your home from water damage. The vinyl variety have a tendency to develop bulges, are easily damaged by getting bumped around or can develop cracks as the plastic ages. It also is not a bad idea to regularly inspect all lines in the house for drips.

Washing Machine Supply Lines

A washing machine supply line is typically accessible to view behind your washing machine. These lines are larger than most other supply lines in your home because they provide more water so it is especially important to monitor these and install braided stainless supply lines.

Refrigerator Ice Maker Line

This hidden water supply line can be a big problem! Because it is hidden behind your massive refrigerator, leaking supply lines can go unnoticed for months and be dripping onto your floor and into your crawl space. With the help of a friend or family member, make it a practice to pull out your refrigerator and inspect the lines at least once a year. While you have it out, you can clean your vents at the base of the refrigerator improving the efficiency of the unit.

P-Trap connections

P-traps are the connections for drains under your sinks. As many of us store items alongside these drains, they get bumped quite a bit! If a connection becomes loose or damaged, it can cause a slow leak under the sink. Check for leaks under your sinks regularly to avoid a costly water damage claim or ruining your cabinets.

Utilize Water Alarms to Help Monitor for Leaks

One quick way to continually monitor your home for leaks is to install an inexpensive water sensor. You can find a five pack of them for about $40. Water Sensors are inexpensive and can help you monitor the hard to reach areas like water heaters and refrigerator water supply lines. These sensors act similarly to a smoke detector and sound a loud alarm when the sensors come in contact with water.

Prevention is the best way to avoid a water damage claim in your home.

If you have questions about your home or condo insurance, contact Carr’s Insurance Agency. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

How to avoid holiday package theft in Hawaii

Follow These Simple Tips to Avoid Holiday Theft

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How to avoid holiday package theft in Hawaii The holiday season is a joyous time, but unfortunately, it is also top season for theft. If you walk around your neighborhood, it isn’t hard to see all the holiday deliveries left on porches of unsuspecting homeowners. Protecting yourself from theft is all about prevention. To avoid being a victim of holiday theft:

  • Have your deliveries sent to your work (if allowed)
  • Request valuable shipments be held by the shipper for in-person pickup. Most major shipping companies even have apps now that can help streamline this process.
  • See if your shipping company has additional options. Amazon recently introduced “lockers” where they will place your shipment in a locker with a special code just for you.
  • Does a retired relative live nearby? Have packages delivered to them. It is always a great opportunity to see family anyway.
  • Sign up for delivery notifications. Many companies send this to you by email, but many carriers have text message notifications.
  • Install a home surveillance system that focuses on the area where your packages are delivered. A pricier alternative if you can’t always be there to monitor your home.
  • Discuss with your neighbors to keep an eye out for unfamiliar vehicles.

Enjoying the holiday season is easy, but preventing theft isn’t always. We hope your holiday season is free of criminal activity.

If you have questions about your insurance, call the insurance agents at Carr’s Insurance Agency in Waipahu. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.

Learn how to register your bike in Hawaii

This One Quick Tip Can Get You Your Stolen Bicycle Back

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Learn how to register your bike in Hawaii According to the National Bike Registry, 1.5 million bicycles are stolen each year. With college campuses being the biggest source of bicycle theft, it would be great if there was a way to protect your investment that was quick and easy. The good news is that more than 48% of bicycles that are stolen are recovered, but of those, only 5% are able to be identified and returned to their owners.

The National Bike Registry and 529 Garage have partnered to create a database to track and store bicycle VIN numbers. Not only can you register your bike, but you can search their database for recovered bicycles in an effort to get yours back.

Bicycle theft is a rampant problem in the US and unless you want to submit a homeowner claim (please talk to your licensed insurance agent prior) you likely won’t see you bicycle again or be able to recover your losses. Bicycles are likely covered under your home, renters or condo insurance policy with your insurance carrier.

Register your bicycle today and rest assured that your bicycle is better protected and more likely to be returned in the event of being stolen.

If you have questions about your insurance, call the insurance agents at Carr’s Insurance Agency in Waipahu. We have years of insurance experience and can help you insure everything from your home to your auto or motorcycle. We live where you do and are an independent insurance agent, so we can help you find the right company to fit your needs. You can also check out our website, 24/7.