4 Benefits Of Health Insurance

Posted on October 11, 2021October 4, 2021 by admin

Infinity Insurance Group serves the Post Falls, ID community. We are an independent insurance agency. We work closely with over 25 carriers across the country. This allows us to offer our clients a wide variety of options. We want to make sure that they are covered in any situation.

4 Benefits Of Health Insurance

Health insurance gives you peace of mind. You are covered if you aren’t feeling well and need to go see your doctor or if you need to visit the emergency for urgent care. Health insurance also covers your preventative care such as regular checkups. Here is a look at some additional benefits of health insurance.

Prescription Drug Coverage

If you aren’t feeling well and your doctor recommends that you take some medicine, your prescription drugs are covered. This way, you can simply focus on getting better.

Mental Health

Sometimes, things just aren’t going well. Perhaps you have a time in your life where you are feeling sad and dealing with depression. If you are struggling with mental health, your health insurance will cover you as you seek treatment.

Rehabilitation

If you suffer a serious injury, health insurance covers your rehabilitation. You are protected if your doctor recommends that you go see a Post Falls, ID physical therapist. You can amend your policy to cover more innovative forms of rehabilitation, such as acupuncture.

Pediatric Care

If you are a parent, your policy covers your young children while they receive the necessary care to keep them healthy. Your child’s dental and vision is covered.

Infinity Insurance Group Will Help You Protect Your Assets

Visit our website to learn more information about health insurance.

Who Needs Life Insurance?

Posted on September 30, 2021October 4, 2021 by admin

Many people wonder if they need life insurance, and for the most part, there are reasons why they do; however, they don’t realize they need it. If anyone in your life financially depends on you, you may need a life insurance policy. For your financial future, it is better to purchase a life insurance policy when you are younger because your premiums are lower, and depending upon the policy, you build equity in the policy you can use when you retire.

Those in Post Falls, ID can reach out to the agents at Infinity Insurance Group to discuss their questions about whether they need life insurance.

Reasons Why You May Need Life Insurance

There are many reasons to purchase a life insurance policy. Here are some of the common reasons why may want to buy a life insurance policy:

You have dependents relying on your income
You are considering starting a family
You have (or plan to have) a mortgage, auto loan, or other substantial debts
Your income is the sole, or most substantial, income supporting your household
Other people rely on you financially, such as a business partner
You are elderly and do not have the financial stability to pay for funeral expenses

How Much Life Insurance Do You Need?

The amount of life insurance you purchase depends significantly upon your stage in life if you have dependents or the number of your financial responsibilities. There are various types of life insurance capable of providing you with enough coverage based on your situation.

Those looking to buy life insurance in Post Falls, ID can reach out to the agents at Infinity Insurance Group. Our agents can help assess your needs and find you the best life insurance policy to protect you and your loved ones.

What To Do After An Auto Accident

Posted on August 16, 2021August 9, 2021 by admin

The moment you are struck by another car it feels like the entire world stops. Unfortunately, for many, this time is a complete blur, and they remember little to no details. Because things can flash by in a blur after an auto accident, it is vital to make sure everyone remains safe until help arrives. Then if there is time, you need to know what you need to do after to ensure everything gets taken care of and covered by the Post Falls, ID insurance companies involved. For more questions about auto accidents call Infinity Insurance Group today.

What Should I Do After A Car Accident?

The first thing you should do when you have been in an auto accident is to keep your safety and the safety of others around you in mind. First, call 911, request a police officer to the scene, and let the operator know if anyone involved in the accident needs medical attention. Then, if it can be safely done, pull your vehicle far enough off the side of the road, turn on your hazards and stay away from moving traffic while waiting for emergency services to arrive. Only get out of your vehicle if it is safe to do so; otherwise, remain in the car.

Document the Scene

Take photos of the accident scene with your phone, documenting damage to all vehicles involved, road conditions, and weather. If possible, get pictures of those involved to document any visible injuries. Take notes on what happened while it is all fresh in your mind. You want to have as much of a detailed account of what happened should you need to go to court or settle with the other insurance company.

Witnesses

Try to get the contact information for any witnesses who stopped, so the insurance company can contact them to discuss what they saw.

When the police show up, file your report and then contact your insurance company. Those in Post Falls, ID who have questions about their insurance coverage can speak with an expert at Infinity Insurance Group.

How Does Idaho Commercial Insurance Protect My Small Business?

Posted on July 5, 2021June 18, 2021 by admin

To be successful in business, one must have outstanding commercial insurance. Various disasters can occur, jeopardizing your business operations and leaving you with massive financial liabilities. The good news is that partnering with an insurance agent with your interests at heart can protect your business against many eventualities.

Are you looking for business insurance in Post Fall, ID? You can trust Infinity Insurance Group for all your commercial insurance needs. When you buy commercial insurance coverage from us, it will protect you in the following ways:

Compliance with the law

The state of Idaho requires businesses to carry a workers’ compensation insurance policy if it employs one or more part-time or full-time employees. Failure to have this insurance may result in civil and criminal penalties. Additionally, all business-owned vehicles in Idaho must maintain commercial auto insurance to cover your car and driver when involved in an accident.

Assets protection

Commercial property coverage covers your business structure and contents, including computer equipment, inventory, and other assets. If a disaster were to strike, this coverage compensates you for the loss up to your policy limit.

Protecting employees

If you have employed one or more workers or occasional or seasonal employees, you are legally mandated to maintain workers’ comp insurance. This policy is designed to protect your employees from work-related injuries and illnesses.

Liability protection

General business liability insurance mitigates costs associated with several liabilities you encounter during your daily business operations, including advertising injury, bodily injury, and property damage.

Cushioning your business against cyberattacks

Web presence is a significant necessity to operate a business in the modern-day business climate. Unfortunately, online companies are prone to the risk of cyberattacks. As such, you need cyber insurance to protect you against data breaches and cyberattacks.

Commercial insurance in Post Falls, ID

If you need assistance in determining what type of commercial insurance you need, call or visit our Infinity Insurance Group offices situated in Post Falls, ID. Our agents will answer any queries you have about commercial insurance.

What every Post Falls, ID homeowner should know about renovations

Posted on June 18, 2021June 18, 2021 by admin

Planning a home renovation can be full of fun activities such as finding the right paint colors and picking fixtures. But, whether you’re finally getting that dream kitchen or a bathroom make-over, Infinity Insurance Group recommends having a heart-to-heart talk with your insurance company as the renovations ultimately affect your home insurance policy. Some upgrades could lower your premiums, while others may increase it. Here is what you need to know about home renovations in Post Falls, ID.

Home Insurance Covers Renovations

Your home insurance covers renovations, but you will need to up your coverages if you increase the house’s square footage, add a hot tub, swimming pool, or create an in-house office. These substantial renovations could quickly leave you underinsured.

You Need to Inform Your Insurance Agent When Renovating

Before you begin any renovation, it’s always prudent to notify your home insurance company to ensure you’re adequately covered during and after the renovation. Remember your liability limits may not be sufficient if someone got injured while the renovation was going on. Take photos and videos of the renovation progress and save receipts and other documents required in the renovation process.

Your Contractor Should Be Insured

Your contractor should present a copy of their insurance policy before they start working. The policy should have adequate general liability, workers’ compensation, and professional liability coverages. Keep this copy until the work is done. If you need to hire different contractors for different areas, make sure they’re adequately covered.

You Need to Update Specific Areas of Your Policy

Home renovation can either increase or decrease your home insurance costs. Adding a security system, remodeling your kitchen or bathroom, or repainting your home all add value to your house, which generally lowers your premiums. However, if the remodeling affects space, building costs or increases accident risks, your premiums will go up. That means increasing your coverages to adequately cover additional risks.

Need to buy a new policy or update the existing one after a home renovation? Infinity Insurance Group can sort you out and ensure you are adequately covered. Contact us today.