What to do in case of an auto accident
An accident can be a very scary experience. Whether it is a simple fender bender, or an serious auto accident, our minds scramble to think of what to do next. At the James Fink Insurance Agency, we want to make sure you are prepared to handle anything.
Here are seven steps to take if you are involved in an auto accident:
1- Stop and check for injuries. If anyone is injured, call 911.
2- Set flares, or signal with a flashlight, to warn other drivers and prevent further damage.
3- Notify the police.
4- Gather facts - names and phone numbers of any witnesses, and information about the other driver (driver's license number, phone number, insurance information, and description of the other vehicle)
5- Be careful what you say. Don't admit responsibility - an investigation may show that you weren't responsible.
6- Based on your state's laws, find out which authorities you're required to inform and be sure to inform them all of the accident.
7- Call you claims service. At Farmers, our claims service is HelpPoint and they are an award-winning, 24/7 claims service with caring professionals ready to answer your questions and help begin the process of getting your life back in order.
Be prepared
It is also very important to know which items you should have in your vehicle at all times so that you are prepared in the even of an auto accident.
1- Insurance identification card and vehicle registration
2- Camera. Many cell phones today have a camera built in, but it might be a good idea to keep an additional disposable camera in the car just in case. Take pictures of the scene and vehicles.
3- Jumper cables
4- Emergency contacts list for authorities to notify family
5- Medical card including information about medical conditions and allergies
6- First-aid kit
7- Blanket
8- Pen and paper to take down information needed
9- Flares or "Need Help" sign
Another very important part of being prepared for an auto accident is having the appropriate liability limits. If your current liability limits are too low, you could personally be responsible to pay for injuries or damages caused in the auto accident. Liability coverage is the key component that helps keep a bad day from turning into a bad life. If you would like to sit down and review your current coverages to make sure you are properly prepared for an auto accident, please contact my agency. Our goal is to help make you feel comfortable with the protection you are driving around with every day.
James Fink Insurance Agency
3470 Washington Drive
Eagan, MN 55122
Auto Insurance Eagan, MN
Minnesota state law requires all drivers to have Auto Insurance. This law is designed to not only protect others on the road, but to protect yourself. When determining what company you buy your Auto Insurance from, what are your main concerns? Price? Coverage? Agent relationship? Claims service? At the James Fink Insurance Agency in Eagan, MN, we strive for excellence in all of these areas.
As your agent, it is my commitment to you that I will deliver industry-leading service at every stage of the insurance process. I will help you understand and select a plan the is the best fit for your Life, Home and Auto Insurance needs. I chose to represent Farmers insurance because I wanted to work with a group of companies I am confident will be there to help you get back where you belong in your time of need. Farmers offers a wide range of products including Auto Insurance, homeowners insurance, renters insurance, life insurance, and business insurance. If you have an insurance need, there is a good chance that Farmers can provide you with the appropriate protection.
Farmers Auto Insurance rates are very competitive, especially in Eagan, MN. We offer a wide range of discounts including, multi-car, auto/home, auto/life and good student just to name a few. Give me a call today to see if we can help save you some money on your Auto Insurance while providing you with appropriate coverage, great customer service and award winning claims service.
James Fink Insurance Agency
3470 Washington Drive suite 103
Eagan, MN 55122
952-220-5202
Life Insurance in Minnesota
You work very hard to support your loved ones and provide them with a life full of happiness, comfort and opportunity. But what would happen if you died tomorrow? Would your loved ones be able to maintain the same quality of life? Would they still be able to keep their future plans on track? That is why Life Insurance is so important. Although your family will never be the same without you, they can at least continue to live in the same world they have always known.
Purchasing a Life Insurance policy on yourself is an expression to your loved ones that you care about them enough to protect them even after you are gone. Think of all the expenses you would leave behind if you died. Credit card debt, student loans, your mortgage, car loans, funeral expenses. Not to mention the loss of income your family would experience. By having the right amount of Life Insurance, these debts and expenses could be taken care of.
The best time to buy Life Insurance is TODAY! The younger and healthier you are, the more affordable Life Insurance is. Even if you don't plan on having a family for years, it is still important that you get Life Insurance now. If you were to get cancer, diabetes, heart disease, or even high blood pressure, your Life Insurance rates could raise dramatically or worse, you can be denied all together!
So if protecting your current or future loved ones is important to you, please spend a few moments and contact me! I would love to sit down and discuss your needs and see if we can come up with a Life Insurance plan that not only fits your families needs, but fits your budget.
James Fink
Farmers Insurance Agent
952.220.5202
Now that the Holiday season is over, a lot of people have some pretty large credit card bills coming in a few weeks. Now would be the perfect time to take a second look at your Homeowners Insurance and Auto Insurance. Farmers Insurance currently has very competitive rates, especially in the metro area. The James Fink Insurance agency is located in Eagan, MN and provides packages for your Home, Auto, Life and Business needs. Contact James for a free insurance review.
The most important product I can offer to my clients is life insurance. Unfortunately, most people don't realize they need it until it is too late. Everyday you wait to buy, the more expensive life insurance becomes. Not to mention cancer, heart disease, diabetes and many other increasingly common conditions can make it impossible to even get life insurance. Think about your mortgage, student loans, credit card debt, funeral and burial expenses. Think about the quality of life for your spouse and family left behind. I have talked to many people who inform me that they already have $100,000 of life insurance. That's great! The problem is, they feel they have more than enough to take care of everything and everyone they leave behind. The problem is, $100,000 could easily be too little. The chart below breaks down life insurance face values and what they mean in terms of a monthly income for the loved ones left behind. Please take some time to look at the chart and consider how much life insurance you should have. Once you have determined your need, feel free to contact me. I would love to help you protect those you care about. 
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My goal is to reach out to as many people as I can, and help them understand, and feel good, about their insurance plan.
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