Month: June 2025

What to Do If You’re in an Accident with an Uninsured Driver

Posted on by agentinsure

Getting into a car accident is stressful enough, but finding out the other driver doesn’t have insurance can make the situation even more overwhelming. At San Marcos Insurance Group in Chandler, AZ, we understand how complex this scenario can be. The good news? There are steps you can take to protect yourself and your finances.

Stay Calm and Gather Information at the Scene

First and foremost, check for injuries and call 911 if needed. Even if the accident seems minor, it’s important to get a police report. This document can be crucial later, especially when dealing with an uninsured driver. Gather as much information as possible from the other driver, including their contact details and license plate number, even if they admit they don’t have insurance.

Contact Your Insurance Company Immediately

Once you’re safe and have left the scene, notify your insurance provider as soon as possible. Provide all the details about the accident. If you have uninsured motorist coverage, it becomes invaluable in this situation. This type of coverage can help pay for medical bills, vehicle repairs, and other costs that the uninsured driver would typically be responsible for.

Review Your Coverage Options

If you’re unsure whether you have uninsured motorist protection—or if you want to ensure your policy is strong enough to handle unexpected situations like this—it’s a good idea to review your coverage. Being prepared with the right policy can make a significant difference in how you handle these situations.

If you have questions or want to explore your auto insurance options, the team at San Marcos Insurance Group in Chandler, AZ is here to assist. Contact us today to ensure you’re covered for whatever challenges the road may bring.

How to Protect Your Outdoor Pool Through Home Insurance

Posted on by agentinsure

Many homeowners in Chandler, AZ, enjoy having a pool to cool off during the hot summer months. Whether your pool is above ground or an integral part of your hardscape, owning one comes with significant responsibilities. Protecting your pool and ensuring the safety of those who use it is essential. San Marcos Insurance Group can help you determine the right level of insurance coverage for your outdoor pool.

Standard Homeowner’s Insurance Provides Limited Protection

Most standard homeowners’ policies offer some protection in the event of accidents or damage involving your pool. Policy requirements often include fencing the area around the pool to prevent unauthorized access. Installing a pool alarm can also help reduce your insurance costs. Additionally, pool owners should regularly maintain their pools by cleaning them and ensuring the water has proper chemical levels. This practice reduces the risk of illness caused by waterborne bacteria and viruses. Covering your pool when not in use can help keep out debris and minimize contamination.

Covered risks that may result in damage typically include:

  • Fire
  • Lightning strikes
  • Hail
  • Vandalism
  • Explosions

The dwelling or other structures portion of your policy will cover damages to an in-ground pool, while above-ground pools are typically covered under personal property. However, damages such as pool leaks or wear and tear are not covered under standard policies.

Evaluate Your Policy Limits

If you have a large in-ground pool or frequently host guests, it’s important to review your policy limits to ensure adequate coverage. While some insurance policies may offer high liability limits for luxury residences, these limits may not be sufficient if someone sustains serious injuries. Consider adding an umbrella policy to provide additional protection for your home and pool in case of catastrophic injuries.

If you’re wondering what additional coverage you may need for your home recreational needs in Chandler, AZ, San Marcos Insurance Group is here to help. Contact our office today to explore your policy options and ensure your pool is adequately protected.