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Retcho Agency Inc

308 Harrington Ave,
Closter, NJ 07624

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What Should I Do If I’m In An Accident?

If you are in an accident, you should stay calm and try to find out what happened so that you can take steps to prevent it from happening again. If possible, get the driver’s contact information, if they are nearby, or any witnesses’ contact information. 

You can file a report with the police and get a copy of your car’s damage from a friend or family member who can file the report for you. For expert help in the greater Closter, NJ community, seek advice from Retcho Agency.

More Information About Being Involved in an Accident 

Look for signs of serious injuries, such as blood or broken bones. Once you know the extent of the accident, you can decide what to do to help those involved. First, ensure the people involved in the accident are okay, and if not, call the police. Next, try to exchange information with the other driver, such as their license plate number, so that you can file a claim with your insurance company. 

Make sure that you know the name of the driver who caused the accident, their license plate, and the details of the accident, such as where it happened and what caused it. If possible, take a photo of the accident scene and the license plate. Consider these main points. 

  • Stay calm and move quickly to the nearest safe place.
  • If someone is injured, help them as best as you can.
  • Call the police or emergency medical services.
  • Try to get details from the other driver, such as their name, their age, and their license plate.
  • Get the details of the crash, witnesses’ names, and contact numbers and make a police report. 
  • Try to get information about the road where the crash happened and make sure the other driver is aware of the road rules governing that road.
  • Stay in the lane of travel and do not cross the center line. Don’t touch another car or object. Be aware of your surroundings and do not leave the scene of the accident.

These steps will help reduce the risk of further injury and help the police or other authorities investigate the accident. Confer with Retcho Agency in Closter, NJ for expert guidance.

Types of commercial insurance your business can benefit from

Risk comes with owning a business, there is no way around it. Half the battle is anticipating what the risks are and making sure you mitigate as much as possible. Knowing how to determine which types of commercial insurance are right for your business is why you have an independent insurance agent. In Closter, NJ, Retcho Agency is here to help with all your commercial insurance needs. Our team will work with you to customize your coverage. 

Types of commercial insurance 

Commercial liability insurance

If you are only going to carry one type of commercial insurance, commercial liability insurance is probably the one you should choose. Being sued is something that all businesses are in danger of. Whether it is a customer who is injured while visiting your location or by a product you create, a vendor with whom you are disputing a charge or an employee who is not happy, becoming part of legal action is easy for a business. It is also expensive and can put you out of business if you are not adequately covered. 

Commercial Property Insurance

You can have a successful business if you don’t have the things you need to operate your business. When you are hit by a covered peril, you may lose all your tools, your inventory, your machinery, your office equipment, and all the things you need to do business. No business, no income. If you own the building that houses your business, commercial property insurance will also pay to repair the building. This is important coverage for your business. 

Workers Compensation

In New Jersey, if you have employees, they need to be covered by workers’ compensation insurance. If you don’t have workers compensation insurance, you need to be approved to self-insure. No matter what, you have to protect your employees. 

Contact Retcho Agency in Closter, NJ when you need to get the commercial insurance your business needs.

 

Home insurance FAQs

If you have questions about home insurance, you are not alone. Especially if you are a first-time homeowner, there is a lot of protection involved and you may not be too sure exactly what kind of coverage you have. At Retcho Agency in Closter, NJ, we are independent insurance agents and we can customize your insurance policy to suit what you and your home both need. 

Home insurance FAQs

How much liability coverage should you have?

Liability coverage is a personal decision. The amount you have depends on the number of your assets and the amount of risk you feel you have. If you have a dog, you need to have more liability coverage because they are a liability. You also need to talk to your insurance carrier about the type of breed of dog, some are much more of a risk. At the end of the day, more is better when it comes to liability. 

What endorsements should you consider adding? 

Some types of possessions have limits. The limit traditional home insurance has is rather small if you have jewelry. If you have a good-sized engagement ring, that is about the limit you may have. If you have other pieces of jewelry, you need to get an appraisal and use that to determine the amount of jewelry endorsement you should have. 

Another endorsement is the sewer backup endorsement. 

What type of content insurance should you have?

You have two options. You can choose to replace all the things that you have. With this option, you need replacement cost which does not take depreciation into account. The other option is the actual value. That is what something is worth today. A 5-year-old TV will not be worth the same as a brand new one. 

Contact Retcho Agency in Closter, NJ when you have home insurance questions and needs.

 

Partner Carriers

  • Chubb
  • Franklin Mutual
  • KBIC
  • Liberty Mutual
  • N&D Group
  • Neptune Flood Insurance
  • Pacific Specialty
  • Plymouth Rock/Palisades safety and insurance
  • Progressive
  • Safeco
  • Shelter Point
  • The Hartford
  • Travelers
  • Wright National Flood Insurance