Trusted Independent
Insurance Agency
Serving New Jersey 

Windshield claims are becoming increasingly expensive due to modern vehicle technology such as cameras, sensors, ADAS systems, and recalibration requirements built into today’s windshields. Learn how windshield coverage works under comprehensive auto insurance, what full glass coverage and $0 deductible options may be available, and why repeated glass claims may sometimes affect future insurance pricing and underwriting decisions.

Filing an auto insurance claim may affect future insurance premiums depending on factors such as fault, claim frequency, claim severity, and insurance company guidelines. Learn how at-fault and not-at-fault claims may impact insurance, why smaller claims and roadside assistance usage can sometimes matter, and how claim history may affect long-term underwriting and pricing decisions.

A CLUE report is a claims history report used by many insurance companies when evaluating home and auto insurance applications. Learn what a CLUE report is, what information may appear on it, how long claims typically stay on your report, and why claim history can sometimes affect insurance pricing, underwriting, and eligibility.

If a Tree Falls... Who Should File a Claim? A Tree on your property damages your house Your homeowner's policy should cover the cost to remove the tree and repairing the damage to your house. A Tree blows over in a storm and damages your car in the driveway If you have comprehensive coverage on your car insurance policy, it should cover the damage to your vehicle minus your deductible. A tree on your property falls and damages your neighbor's house or car Your neighbor sho