Ken Murphy Insurance Broker
1029 Brock Road L1W3T7 Pickering, ON, Canada

Great surprise gift that came in today! Thanks michael macaque @ the mortgage management group.

What to do if you're ever in accident? For even the most cautious drivers on the road, they face the possibility of an accident. If the unthinkable happens here are a few guidelines to keep in mind.... Do:... Stay calm, keep yourself and others safe. If you can’t get out of your car, turn on your hazard lights. If anyone is injured, call 911. Look at the accident scene and make sure that you are not in danger of being hit by another vehicle. Exchange information with the other drivers involved. Get their names, addresses, phone numbers, licence information, insurance company name and policy number. Obtain the contact information of any witnesses who are at the scene. Take photographs of the accident, including the damage to the car and road conditions. Call your insurance company right away. Don’t: Move anyone who is injured wait for medical help to arrive. Leave the scene of the accident. Accept a direct offer of payment of damage from the other driver. Settling for direct payment may not be as advantageous as it seems. If you’re not at fault, the accident won’t affect your driving record nor will you have to pay a deductible. Sign any documents other than the police report. Get your vehicle repaired without clearing it with your insurance company; they may refer you to a repair facility where the work is guaranteed.

What Do Brokers Do? Unlike other insurance providers, an insurance broker works for you rather than an insurance company. Brokers use their professional knowledge and experience to help you properly assess your insurance needs, shop for the best value in insurance coverage and help you in the event of a claim. Many brokers will help you with a quote on line or over the phone, but personal consultations are encouraged, to answer any questions you may have, ensure there are no... misunderstandings and no detail is overlooked. Their services include: Assessing your individual needs and obtaining quotes. Depending on the property, vehicle or business being insured, this might include performing an insurance valuation, taking photographs or obtaining an inspection report. Comparing the coverage of different insurers to get you the best rates and conditions in an unbiased manner and making recommendations. Searching for opportunities to reduce overall premiums by combining different types of insurance for discounts. Explaining premiums, terms, conditions and any small print that you don’t understand. Providing administrative follow-up, such as mortgage changes, certificates of insurance. Providing advice and revisions at policy renewal or mid-term if material changes are necessary, such as a move or the sale of an asset. Being available to answer questions after purchase. The vast majority of brokerages are well established in their community and insurance is their primary business. Ensuring claims are fairly handled. They help you with the process and ensure a fair and speedy settlement. Brokers make a positive difference to an insurer’s payout in a substantial number of claims.