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As a leading independent insurance agency, we have the ability to compare and choose from multiple carriers in order to find the best coverage and price for you. Having an independent agent on your side also means having a personal, unbiased advocate working for you in claims situations. When you team up with Hopkins Insurance, take comfort in knowing our trusted, local experts are truly committed to your protection and best interests!

 

AUTO INSURANCE

From the vehicle you drive every day to the collector's car you baby, our strong partnerships with insurance carriers allow us to pass along preferred pricing to you. You may also receive additional discounts for insuring your auto and home together!

Do You Know What To Do In A Car Accident?
   
By: John Hawk 


When you take your car out for a spin, you always leave plenty of room between you and the car in front of you. You brake slowly and deliberately. You rarely speed, and you never use your phone. But the driver behind you may not be so safe. He may have a lead foot. She may be trying to send a quick text. He may be weaving in and out of traffic recklessly. Next thing you know… SLAM! You’re rear-ended causing you both to lose control and spin off the highway into a field of trees. You’ve just had your first crash, and it wasn’t even your fault! Do you know what to do after a car accident?

It’s something we’ve all thought about at one time or another before getting behind the wheel. How would I react, and what would I do if I were involved in an auto accident? What if there are injuries? What should I say to the police or people at the scene? When it comes to car accident law, am I at fault? What’s the deal with car accident insurance claims? The questions are endless and so is the number of motor vehicle accidents that happen every single day. Will you be prepared if it happens to you?

What to Do After a Car Accident

The 5 Critical "Must Do’s" When in An Auto Accident:

  1. Remain calm. Be sure no one is injured and needs care. If so, call 911.
  2. Always call the police and have them fill out a report. Do not give your personal information, including your insurance info, to anyone other than the police officer. Do not leave the accident scene.
  3. Get witnesses and leave the cars where they are. Photos may be helpful, but they’re easily doctored so opinions differ on how useful they might be.
  4. Limit discussion of the accident. Speak only to the police officer or your insurance agent. Do not discuss fault or liability at scene of accident.
  5. Report even minor accidents to your insurance agent. You’ll want to review coverages, next steps, whether it’s in your best interest to file a claim and if so, with whom.

Are You Prepared?

Even if you’ve never been in a car accident, you’ll save yourself worlds of hassle with just a little preparation. Knowing what actions to take and not take is a crucial part of protecting yourself in case that unlucky day ever comes. And equipping yourself with up-to-date insurance papers, a pen, paper and even a handy Auto Accident Report Folder for your vehicle can put you miles ahead when it comes to accident awareness. Contact our agency for your Auto Accident Report Folder.

 


 

Preparing for Winter Driving : Safe Winter Driving Tips

By John Hawk
This winter, the best advice for driving in bad weather is not to drive at all, if you can avoid it. But sometimes you just can’t. With messy snow and ice threatening to hamper the family trip to grandma's house, now is probably a good time to improve your knowledge of road safety.

Winter Weather Safety Tips
For starters, don't go out until the snow plows and sanding trucks have had a chance to do their work, and allow yourself extra time to reach your destination.

Winterize Your Vehicle
Schedule a maintenance checkup for your tires, battery, belts and hoses, radiator, oil, lights, brakes, exhaust system, heater/defroster, wipers and ignition system. Keep your gas tank sufficiently full – at least half a tank is recommended.

Equip Your Vehicle with Chains or Snow Tires
When it comes to traction on slick winter roads, you’ll want to consider using tire chains or snow tires. Tire chains are highly effective and can be purchased at just about any auto store. Inexpensive, and easy to install and remove, tire chains will give you that maximum grip to ensure your safety.

An equally effective alternative for winter driving safety is the use of snow tires, which provides the added benefit of giving your standard tires a rest during the winter months. You’ll feel like you’re driving around in your very own snow mobile as you stop, turn corners and change lanes without the worry of your back end sliding. Most snow tires cost less than an insurance deductible and last at least three seasons. And chances are your tire seller will allow you to store your other tires with them during the winter. If the east coast blizzards can teach us one lesson, it's that it's never too early in the season to start thinking about winter tires. Prepare yourself with tire chains or snow tires today.

Purchase Winter Driving Safety Essentials
Before winter hits, do yourself a favor and build a winter driving safety kit for your trunk including a snowbrush, ice scraper, rock salt, small shovel, flashlight, blanket, jumper cables and first aid.

Clean Off Your Car
Before you hit the road, be sure to clear snow and ice from windows, lights, mirrors and the roof. If you don’t, you’ll leave a trail of dangerous conditions for the other drivers around you. This is one of the simplest driving safety tips.

Turn on Your Lights
Winter weather and limited daylight hours can make for limited visibility. Keep your headlights on at all times so that you can see and be seen.

Slow Down
Failing to allow yourself enough time to stop is a major cause of winter driving accidents. In slippery conditions, stopping distances can triple. Driving at a slower speed, anticipating stops at traffic lights and intersections, and applying brakes sooner than usual are excellent safe winter driving tips to remember. When braking, brake carefully with short, rapid application of the brakes. Always allow plenty of extra space between you and other vehicles to minimize the need for quick stops.

Know How to Handle a Skid
If you’re going a slower speed on winter roads, you shouldn’t find yourself skidding, but if you do, it’s important to know how to handle it. Determine where you want your car to go and turn your steering wheel toward that point. Avoid over-steering.

Get Over the Hill
Drive too slowly and you’ll find yourself spinning your wheels on hills. Drive too fast and you’ll risk skidding. So what can you do? Maintaining momentum. Apply light and even pressure on the gas pedal, and approach the hill with medium speed. At the top of the hill, slow down and roll down the hill slowly.

Maintain Your Car Insurance
While no additional coverage is needed for winter, you should make sure your auto insurance policy has coverage for loss of use. This way, if you happen to get into an accident, you can get a rental car while your vehicle is getting repaired.

According to NJ insurance agents John Hawk Agency, preparation is key when it comes to winter weather safety tips. Teenage drivers who are new to the road in general need some extra guidance before they get behind the wheel. Parents or family members are urged to take teens out to practice in an empty parking lot upon first snow fall. But the fact is, no matter how old you are, winter driving safety is something you should always have on your driving radar to avoid a car accident.

HOMEOWNERS INSURANCE

When the unforeseen strikes service and responsiveness become as important as the dollar value of your coverage. At Hopkins Insurance you get both: the right policies and experienced insurance agents that you can count on when you need them the most.

 

BUSINESS INSURANCE

As a business owner, you have enough on your mind without having to worry about your insurance needs. You want to have the confidence that the business you’ve built is covered by a company that understands your business insurance needs.

Hopkins Insurance provides wide-ranging protection for businesses.  There are various types of business insurance that can take care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.

Business insurance is an important aspect of any business that cannot be ignored! Whatever your insurance needs, we can design a protection program that’s right for you.

Commercial Insurance will protect your business.

By: Aaron Rowe

There are a number of significant decisions that must be made by a new business owner. None may be as important as the decision to take out a commercial insurance policy. These policies are vital to the protection and overall success of the business. The words "business insurance" is far-reaching and covers several kinds of policy types. So, it is necessary to be aware of the different plans that you can have and how each plan protects.

Property insurance can help to protect the business location as well as its contents. This plan will give content coverage for a business owner who works from their home or rental property. If the property is owned by the business operator, then the policy would cover the contents as well as the structure itself. If other people keep their possessions on the property, the plan will also cover the loss of those items. Several additions can be included to insure against specific disasters as well, such as fire, flooding or tornadoes.

The Liability Policy represents one of the significant alternative commercial insurance available. These policies are intended to protect a business from the legal liabilities of internal negligence. It fundamentally covers the business in case it gets sued. Liability plans can cover a wide range of mishaps, from employee harassment to stock market meltdowns.

If a business is operating a motor vehicle in needs to have commercial auto insurance to protect it from liability. Your typical automobile policy can not be compared to a plan of this type. Commercial auto policies cover any damage that may be done to others while using a business automobile. Company vehicles should be covered under a normal automobile insurance policy.

Workers' compensation is one type of business insurance, but employers may also offer coverage for employees such as medical, life, and disability. Protection is available with life and disability plans to cover emergency events like the main owner or employee being hurt or killed. This policy can offer financial help for the remaining workers or owners to purchase and effected partner's share. Business interruption insurance covers damages or losses sustained to the profit of a business due to the inability to operate for uncontrollable reasons. A prime example would be if a business is damaged due to lighting and could not be in operation for several days.

Businesses should consider multiple plans and policies and make sure the one they choose meets their needs specifically, making sure exclusions or additions that are necessary take place. Based on these changes, premiums can fluctuate. Anything can happen while running a business and anyone who runs one should always be ready for the absolute worst.

 

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