Auto Insurance

If another driver caused an accident and it was their fault, will their insurance company pay or will mine?

If the accident was the other driver’s fault, their insurance should pay for your repairs. If the company refuses to pay because it doesn’t agree that its driver was at fault, you can file a claim with your own company. But you must have collision coverage – not just liability – to do this. Your company will probably try to get the other company to pay your claim. If the other company agrees to pay, you’ll probably get back the amount of your deductible.

Do I need to buy insurance when I rent a car?

If you have auto insurance, call your agent to see what it covers when you drive a rental car. Policies differ, but some cover damage to the rental car from a wreck or theft.

Will my insurance pay for me to get a rental car?

If you have “rental reimbursement coverage” on your policy, it will pay for a rental car if your car was stolen or is being repaired because of an accident your policy covers. Some policies also pay for taxis or ride-sharing services.

Home Insurance

My neighbor's tree fell on my house. Will my neighbor´s homeowners policy pay for the damage and tree removal?

Probably not, unless your neighbor was at fault. Your neighbor isn’t responsible for acts of nature. If your neighbor's policy doesn’t pay, you can file a claim under your own policy. 

The power went out in my area and the food in my refrigerator spoiled. Will my home policy pay for the food?

Most policies will pay up to $500 for food that spoiled because of a power failure caused by something your policy covers. Ask your agent or look in your policy to see the exact amount that it pays.

Terms and Conditions for SMS Communications

By subscribing to SMS communications from Extra Mile Insurance Solutions, you explicitly agree to the following terms and conditions:

SMS Consent and Data Usage:

• Phone numbers collected through the SMS consent process will not be shared or sold to third parties and will solely be used for communications explicitly agreed upon during the consent process.

Types of Communications: SMS messages may include, but are not limited to:

• Appointment reminders
• Billing information
• Promotional offers and exclusive deals
• Other relevant service notifications

Message Frequency:

• The frequency of SMS communications will vary based on the nature of interactions. You may receive up to 10 messages per week, depending on your subscriptions and interactions.

Standard Message and Data Rates:

• Standard carrier message and data rates may apply. Winkler Insurance  is not responsible for charges incurred through your wireless carrier.

Opt-In Methods: You may provide consent via:

• Digital form submissions
• Physical paper forms
• Verbal agreement captured electronically or manually

Opt-Out Procedure:

• You may opt out at any time by texting “STOP” to any SMS received from Winkler Insurance . Alternatively, contact us directly through phone or email to request removal from the SMS list.

Help and Support:

• For assistance regarding SMS communications, reply “HELP” to any SMS message. Additionally, you can contact our support team through our provided contact channels.

Web Site Terms and Conditions of Use

1. Terms

By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, applicable laws and regulations and their compliance. If you disagree with any of the stated terms and conditions, you are prohibited from using or accessing this site. The materials contained in this site are secured by relevant copyright and trade mark law.

2. Use License

1. Permission is allowed to temporarily download one duplicate of the materials (data or programming) on Winkler Insurance’s site for individual and non-business use only. This is the just a permit of license and not an exchange of title, and under this permit you may not:
   1. modify or copy the materials;
   2. use the materials for any commercial use , or for any public presentation (business or non-business);
   3. attempt to decompile or rebuild any product or material contained on Winkler Insurance’s site;
   4. remove any copyright or other restrictive documentations from the materials; or
   5. transfer the materials to someone else or even “mirror” the materials on other server.
2. This permit might consequently be terminated if you disregard any of these confinements and may be ended by Winkler Insurance  whenever deemed. After permit termination or when your viewing permit is terminated, you must destroy any downloaded materials in your ownership whether in electronic or printed form.

3. Disclaimer

1. The materials on Winkler Insurance’s site are given “as is”. Winkler Insurance  makes no guarantees, communicated or suggested, and thus renounces and nullifies every single other warranties, including without impediment, inferred guarantees or states of merchantability, fitness for a specific reason, or non-encroachment of licensed property or other infringement of rights. Further, Winkler Insurance  does not warrant or make any representations concerning the precision, likely results, or unwavering quality of the utilization of the materials on its Internet site or generally identifying with such materials or on any destinations connected to this website.

4. Constraints

In no occasion should Winkler Insurance  or its suppliers subject for any harms (counting, without constraint, harms for loss of information or benefit, or because of business interference,) emerging out of the utilization or powerlessness to utilize the materials on Winkler Insurance’s Internet webpage, regardless of the possibility that Winkler Insurance  or a Winkler Insurance  approved agent has been told orally or in written of the likelihood of such harm. Since a few purviews don’t permit constraints on inferred guarantees, or impediments of obligation for weighty or coincidental harms, these confinements may not make a difference to you.

5. Amendments and Errata

The materials showing up on Winkler Insurance’s site could incorporate typographical, or photographic mistakes. Winkler Insurance  does not warrant that any of the materials on its site are exact, finished, or current. Winkler Insurance  may roll out improvements to the materials contained on its site whenever without notification. Winkler Insurance  does not, then again, make any dedication to update the materials.

6. Links

 Winkler Insurance has not checked on the majority of the websites or links connected to its website and is not in charge of the substance of any such connected webpage. The incorporation of any connection does not infer support by Winkler Insurance  of the site. Utilization of any such connected site is at the user’s own risk.

7. Site Terms of Use Modifications

Winkler Insurance may update these terms of utilization for its website whenever without notification. By utilizing this site you are consenting to be bound by the then current form of these Terms and Conditions of Use.

8. Governing Law

Any case identifying with Winkler Insurance’s site should be administered by the laws of the country of United States Winkler Insurance  State without respect to its contention of law provisions.

General Terms and Conditions applicable to Use of a Web Site.

Privacy Policy

Your privacy is critical to us. Likewise, we have built up this Policy with the end goal you should see how we gather, utilize, impart and reveal and make utilization of individual data. The following blueprints our privacy policy.

• Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. This excludes text messaging opt-in data and consent, which will not be shared with any third parties.
• Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.
• We will gather and utilization of individual data singularly with the target of satisfying those reasons indicated by us and for other good purposes, unless we get the assent of the individual concerned or as required by law.
• We will just hold individual data the length of essential for the satisfaction of those reasons.
• We will gather individual data by legal and reasonable means and, where fitting, with the information or assent of the individual concerned.
• Personal information ought to be important to the reasons for which it is to be utilized, and, to the degree essential for those reasons, ought to be exact, finished, and updated.
• We will protect individual data by security shields against misfortune or burglary, and also unapproved access, divulgence, duplicating, use or alteration.
• We will promptly provide customers with access to our policies and procedures for the administration of individual data.

We are focused on leading our business as per these standards with a specific end goal to guarantee that the privacy of individual data is secure and maintained.