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Car Accidents: What to do in the moment, after it happens, and how to be prepared.

It is inevitable that sometime in your lifetime, you or someone you know is going to be in a car accident. The best thing you can do is be prepared with the materials and knowledge you need; that’s why we are here.

There are some things that you should always keep in your car in case of an accident to help you and those around you.

  • A first aid kit – usually you can buy premade ones at the pharmacy, big box store, or even amazon. They do make ones that are specifically for vehicles if that is your preference.
  • Your documents – whenever you are in an accident, no matter who’s fault or how bad, a police officer is likely to ask for your driver’s license, your registration, and your proof of insurance. It is important to keep these documents in your car at all times. In some states, it is required to have them while driving.
  • Optional: Emergency contact card – some people find it very helpful to keep a card in their wallet or somewhere obvious in their car so if they are in an accident and cannot advocate for themselves, this card is there to do the job. Most of these cards include any medical concerns the paramedics need to be aware of, an emergency contact, the name of your health insurance carrier, and the name of your car insurance carrier.
    • If you do not want to use a physical card or feel that another option may be more efficient, most cellphones have an emergency Medical ID feature. Learn how to set it up here: iPhone, Android. (Here is another article if you are having trouble setting it up, or the first two don’t work for you. Click here.)

So now you are all prepared; great! Now, what do you do when am accident happens? The most important thing to do is to stay calm and take each of these steps one at a time.

Step 1

Check yourself and anyone in your vehicle for injuries. If anyone is seriously injured, try not to move them as this can cause any damage to become much worse or even permanent. If you are in a better position than the passengers in the vehicle you collided with, and you are able, check on them as well. What is it pilots always say? You need to secure your oxygen mask first to be able to help secure others.

Step 2

Turn off your engine, turn on your hazard lights, and call 911. If you cannot do this on your own, ask someone else in your vehicle or a bystander around to do it for you. Even if it is a minor accident, you still should call the police. In some states, it is illegal not to.

Step 3

If you can, and only if you can, get to safety. If your vehicle is able to be moved, and in the way of traffic, move it off to the side of the road or area you are occupying. If this is not possible, or it is not drastically in the way, stay where you are and wait for the police to arrive.

Step 4

If you are not seriously injured and can move around on your own safely, find the person you collided with and exchange insurance information. Every driver should have an ID card with their auto insurance information. It is best to take a picture of this so as not to miss any important details. If they do not have a card or paper with the information, collect their name, address, contact phone numbers, emails, year/make/model of their vehicle, and license plate #. Allow the other party to collect the same from you.

Step 5

Once again if you are able and safe to do so, write down everything you can remember about what happened. It is best to take some pictures of the accident as well. This includes all sides of all involved vehicles. If you can get photos of the accident from a street view, that would be beneficial too. Once the police arrive, you are allowed to ask for their name and badge numbers if you would like that for your records. It is also best to ask if someone can provide you with a copy of the police report; some insurance companies may ask for this.

Step 6

Once things have settled down, then it is time to call your call your insurance company to begin a claim. Explain what happened in as much detail as possible. They will most likely ask for the “who, what, where, when, how” of the accident, and just give your best answer. They are there to help you, not stress you out more!

Overall, these situations can be stressful and full of worry. It is best to know who your resources are when things like this happen, and how to handle them like a rock-star (even though you may not feel like one ;))

Gratitude: We couldn’t have done this without you. Best of the Seacoast 2019

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Best of the Seacoast 2019 Best Insurance Agency

We wake up this morning full of gratitude. Last night we had the honor of winning the 2019 Best of the Seacoast award for Best Insurance Agency.

We couldn’t have dreamed of this without the support of so many.

  • Our fantastic customers who allow us to service their insurance needs. We are so grateful for the trust you put in us.
  • Our exceptional team who really treat our customers as they’d like to be treated themselves.
  • Our amazing friends who voted, shared, and cheered us on.
  • Our ever-supportive networking partners. We have so many in our lives who understand that a rising tide really does raise all boats.
  • Our community in which we are grateful to serve every day.
  • And of course, our family- those we love and cherish more than words can express.

IMG_20190822_204748We understand that this now sets an even higher bar of expectations from all with whom we come into contact. We are ready and up for the challenge and so grateful for the opportunity to continue to serve.

Sincerely,

Lisa & David Keslar

 

Ethan Keslar Interns at Keslar Insurance

ethan 2Newmarket, NH, December 27, 2018- Keslar Insurance Agency, a leading provider of insurance solutions in NH and ME, announced that Ethan Keslar will be interning for the month of January. Ethan currently attends the University of New Hampshire ‘s Paul College, where he is studying business administration with a focus in entrepreneurship and management. Prior to working at Keslar Insurance, Ethan worked for Goodhue and Hawkins a premier marina in Wolfeboro, New Hampshire where he worked closely with customers.

“We are excited to have Ethan in the office learning about the business. It is a nice opportunity for our family focused business. We are confident he will bring great energy and fresh ideas while he is here,” said David Keslar.

About Keslar Insurance Agency

Keslar Insurance Agency is a full service provider of residential and commercial insurance products in New Hampshire and Maine. Keslar Insurance makes sure clients have the right insurance products to protect the most important things in life-family, possessions and business. Keslar Insurance employees focus on providing the kind of service and value we’d expect for ourselves and our families. Our products which include Homeowners insurance, Auto, Life, Umbrella, Renters, Landlord, Boat, Snowmobile, ATV, Flood, Commercial Auto, Business Owner’s Policies, General Liability, Worker’s compensation, motor home, camper and more. For more information visit: www.keslarinsurance.com.

Now offering Hartford for Commercial Insurance

TheHartford-LOGOApril 2018– We are happy to announce that we now offer business insurance solutions from The Hartford. “The Hartford is a very reputable brand with solid products to suit many of our customer’s needs. With their Business Owner’s Policies, Worker’s Compensation, Commercial Auto, Commercial Property and General Liability Insurance offerings, we are now even better able to find the best fit for our broad client base,” said David Keslar, President of Keslar Insurance.

About The Hartford: For more than 200 years, The Hartford has helped people prepare for the unexpected, protect what is important to them and prevail through life’s challenges and opportunities. The company’s success comes from their commitment to doing the right thing, while adapting and reinventing to remain relevant and indispensable to our customers. www.thehartford.com

Interested in learning more about The Hartford’s commercial offerings or discussing other business insurance coverages? Please contact us. We offer a large number of solutions for general liability, Business owner’s policy  (BOP), commercial auto, worker’s compensation and more. We have partnered with many leading commercial insurance carriers to make sure we can offer the right products at the right prices.  We’d love to help you! We also offer home, auto and life insurance to provide one stop service of all your insurance needs. www.keslarinsurance.com or 603-273-0953.

Offering Liberty Mutual Commercial Products!

liberty-mutual-logoWe are happy to announce that Keslar Insurance Agency continues to broaden our offerings to our commercial insurance clients!  Now offering Liberty Mutual Commercial insurance products to our portfolio.

About Liberty Mutual: Your insurance needs are as unique as your business. Whether you’re in manufacturing, hospitality, retail, or any other industry, Liberty Mutual have the right solutions to help protect your business. From startups to family-owned businesses and Fortune 500 corporations, Liberty Mutual’s coverages can help protect your people, property, and reputation no matter your size. Over the past 100 years, Liberty Mutual Insurance has been committed to helping people preserve and protect what they earn, build, own and cherish.

If you are interested in learning more about Liberty Mutual Commercial offerings or discussing  other business insurance coverages please contact us. We offer a large number of solutions for general liability, Business owner’s policy  (BOP), commercial auto, worker’s compensation and more. We have partnered with the leading providers of insurance in the area.  We’d love to help you! www.keslarinsurance.com or 603-273-0953.

Now offering Travelers Commercial Products

travelers-logo

We are happy to announce that Keslar Insurance Agency continues to broaden our offerings to our commercial insurance clients!  Now offering Traveler’s Commercial insurance products to our portfolio.

Risk is a common factor in everyday business. That’s why Travelers offers a wide range of business insurance options to help mitigate risk and protect your company.
Options include:

  • Property Insurance: Provides coverage for buildings, business personal property, and even loss of business income and extra expense.
  • Commercial General Liability Insurance: Covers damages and provides defense against lawsuits for many common types of business liabilities.
  • Workers Compensation Insurance: Help you protect your most valuable asset – your employees– with workers compensation coverage, and risk control guidance, that can keep your business running smoothly.

Whether you have a small, mid-sized, large or even highly specialized business, Travelers’ dedicated underwriting, claims and risk control services can match your unique coverage and compliance needs.

If you are interested in learning more about Travelers Commercial offerings or discussing  other business insurance coverages please contact us.  We’d love to help you! www.keslarinsurance.com or 603-273-0953.

 

Own a cleaning business? Know your insurance risks

Types of insurance needed for Cleaning businesses

cleaning blog postLike other business owners, owners of cleaning services face risks that can be mitigated with insurance policies.

Common types of incidents include:

  • art gets knocked off a shelf when dusting
  • your cleaning equipment stolen or damaged
  • an employee gets injured during work
  • your vehicle gets in an accident while you are working

These things do happen. When they do, you want to make sure you have adequate protection to make yourself whole again. Here are the types of insurance you need to keep you, your employees and your related assets protected:

General liability insurance is a key component of needed insurance. It could protect against lawsuits and other financial liabilities from accidents or other mishaps that you may cause. Property insurance protects your business property if it is lost or damaged due to things like fire, theft, vandalism or windstorms. These two insurances are often bundled together into one product called a business owner’s policy or BOP.

Worker’s compensation insurance: if you have employees, you need this to cover the medical costs and portion of lost wages if your employee becomes ill or injured during work. This a requirement in most states. An example of a time when worker’s compensation insurance may be used is when an employee slips on a wet floor during work and requires physical therapy and lost replacement wages.

Commercial auto: if you have a vehicle used for work, especially if it has your business information on the vehicle, it may likely have to be insured as a commercial vehicle. This covers the vehicle when it is involved in an accident. If you don’t have this insured correctly, any potential claims may not be covered.

Umbrella policy: this is an optional additional liability insurance product that will help cover you if you are in a lawsuit that costs more than your current policy or policies will cover. Ask your agent for details.

For more information regarding insurance coverages for cleaning services, contact us today at www.keslarinsurance.com or 603-273-0953.

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