Trusted Tips and Resources

Trusted Tips & Resources

How to Get a Fair Appraisal on Your Vehicle By Trusted Regina Insurance Provider Campbell & Haliburton

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina insurance tip, they review how to get a fair appraisal on your vehicle. 



If you’re trying to get a fair appraisal on a vehicle in the Regina area that has been in an accident, it’s important to understand the guidelines set forth by Saskatchewan Government Insurance (SGI). Here are some tips to help you get a fair appraisal:

Get a pre-appraisal inspection:

Before taking your vehicle to an appraiser, consider getting a pre-appraisal inspection. This will give you an idea of the extent of the damage and what repairs will need to be done. You can use this information to negotiate with the appraiser if you feel that their appraisal is unfair.


Choose a reputable appraiser:

Look for an appraiser who is licensed and has experience in assessing vehicles that have been in accidents. Check their references and ask for examples of previous appraisals they have done.


Provide all necessary documentation:

Make sure you provide the appraiser with all the documentation they need, such as the accident report, repair receipts, and any other relevant documents. This will help them to accurately assess the value of your vehicle.


Be honest about the damage:

Be honest about the extent of the damage to your vehicle. Trying to hide or downplay the damage will only hurt your chances of getting a fair appraisal.


Understand the appraisal process:

Familiarize yourself with the appraisal process so you know what to expect. The appraiser will typically inspect your vehicle, assess the damage, and compare it to the market value of similar vehicles in your area.


Negotiate, if necessary:

If you feel that the appraiser’s assessment is unfair, don’t be afraid to negotiate. Provide any additional information you have that may affect the value of your vehicle and be willing to compromise.


Know your rights:

If you’re not satisfied with the appraisal, you have the right to appeal the decision. Contact SGI for more information on how to file an appeal.

In conclusion, getting a fair appraisal on a vehicle that has been in an accident requires preparation, honesty, and understanding of the appraisal process. By following these tips and working with a reputable appraiser, you can ensure that you receive a fair value for your vehicle. Talk to one of our Trusted Regina Insurance Agents at Campbell & Haliburton we have your best interests in mind when it comes to explaining how to get a fair appraisal on your vehicle.

Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected.
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance Provider Campbell & Haliburton Tip About Vacation Property Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina insurance tip, they talk about vacation property and cottage insurance.




Retirement getaway. Cabin in the woods. Cottage by the lake. Whatever you call it and wherever it is, your vacation property needs to be insured too. It’s more than bricks and mortar, it’s the keeper of cherished memories of families and friends, BBQs, birthday parties, and anniversaries! Advisors understand that a vacation property is a precious place and our experts work hard to provide you with the peace of mind of knowing it’s properly insured.


Two key considerations that may affect your vacation property insurance policy

When creating your vacation property insurance policy, insurers take into consideration how frequently your property is occupied, and whether it’s rented to others. Let’s explore these two scenarios further.


1. How frequently is your vacation property occupied?

Seasonal vacation property insurance policies are often more expensive than your typical home policy due to a higher risk of theft, burglary, and vandalism. Since you don’t live there year-round, any damage that occurs can go unnoticed for longer periods, and get progressively worse if not fixed quickly.

Comprehensive coverage provides extended protection for your year-round vacation property and it includes boathouses, sheds, bunkhouses, as well as your belongings.

Broad form or basic insurance coverage covers only the specific risks detailed in your policy.

Also, leaving your seasonal property unattended for an extended period of time may result in losses or damages that will not be covered. It’s important to check your vacation property regularly for safety and security.


2. Do you rent out your vacation property?

Renting out your vacation property is a great way to make extra income, and extra incentive to keep your property well-maintained. However, it is important to review your policy with your broker to ensure it includes coverage for renting.

Vacation property Rental Insurance is available depending on the length of time and frequency you intend to rent out your vacation property. Also, personal belongings may not be protected by some policies, so when renting out your space reduce the amount of personal items in your vacation property to avoid the risk of theft.

Some insurance companies include rental income protection, which will help replace lost rent payments if the vacation property you are renting is temporarily uninhabitable due to a covered claim.

Advisors can review your options with you to ensure you have the best policy to fit your situation.


Important tip: Builder’s Risk Insurance Policy

A Builder’s Risk Insurance Policy may also be helpful if you're doing extensive renovations to your vacation property, including building boat houses or bunkies. Builder’s risk insurance is a special type of property insurance that protects against damage to buildings while they are under construction.

Additional vacation property insurance factors to consider

To insure your vacation property, some companies may require that you also insure your home with them. Additionally, the size and age of your vacation property and its property can affect your premium. The size and age will also affect whether you can list your vacation property on your home insurance as a seasonal location, or as a stand-alone policy. Bundling your policies often leads to additional savings so it may be a good idea to bundle your home and vacation property insurance policies.

Let’s explore some other factors that may influence the cost for your vacation property insurance:
  • Your vacation property’s proximity to fire protection. Insurance companies reward Vacation Properties with a lower premium if they’re within 300 metres of a hire hydrant and/or 8 kilometres from a fire station. For remote properties, this distance may be unrealistic. Consider installing a sprinkler system or have access to an alternate emergency water supply.
  • Year-round road maintenance so that access to your property is not restricted in case emergency services are needed.
  • All construction materials rated as fire resistant.
  • How you heat your vacation property, e.g. oil, electricity, propane, wood stove.
  • Requirements to cover any secondary buildings like bunk houses, boat houses, tool sheds and saunas on the property.

Should I get additional vacation property insurance coverage?

Reviewing your policy in detail with an advisor can help reveal any gaps in your vacation property insurance policy. Additional coverage may increase your premium, however each vacation property is unique and your broker can advise about options that could be a benefit. Below are a few to take note of:
  • Contents: some insurance packages automatically include contents up to a certain limit. This coverage applies to contents permanently kept at the vacation home. Anything you take back and forth – such as clothing – is covered by your primary home insurance policy.
  • Detached private structures: some insurance packages include limited coverage for outbuildings such as boathouses, garages, or sheds.
  • Watercraft: coverage for recreational properties often limits coverage for power boats, canoes and sailboats. These recreational items can be added to your policy with an endorsement, to ensure you have the appropriate coverage should something unexpected happen.
  • Theft / vandalism: vacation property are an easy target for theft and vandalism due to their seasonal occupancy. When possible, install motion sensor lighting or a security camera.
  • Third-Party Liability: this will protect you in case someone gets injured on your property.

What is not covered by vacation property insurance?

There are some items for which no coverage is available on your vacation property insurance policy.

Some common exclusions include:

  • septic backup and flooding.
  • fuel oil release.
  • earth movement (for example, earthquake).
  • damage to, or loss of motorized vehicles, campers or trailers, buildings used for business or farming purposes.
  • damage caused by bears, racoons and other animals.
  • wear and tear of the premises and building.
  • acts of terrorism and losses due to war.
Your vacation property is your sanctuary and may represent a significant investment of time and money. That’s why we’re here to answer your questions and ensure that your vacation property is protected properly. We want to help make sure you can enjoy it for many years to come. Contact an advisor to discuss your vacation property insurance needs today!

Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected.
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance Provider Campbell & Haliburton Insurance Tip About Commercial Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina insurance tip, they talk about commercial insurance and the 3 most commonly asked questions. 



What is Commercial Insurance?

Commercial insurance is a type of insurance that is designed to protect businesses from financial losses resulting from unexpected events. It is an essential part of any business’s risk management strategy and can help protect a business from a wide range of potential liabilities. However, many business owners are not familiar with the specifics of commercial insurance and have questions about what it covers and how it works. Here are the top 3 most asked questions about it.


1. What does it cover?


Commercial insurance can cover a wide range of potential liabilities for businesses, including property damage, liability for injuries or accidents that occur on the business’ property, and losses resulting from natural disasters or other unexpected events. It can also provide coverage for lost income or extra expenses that a business may incur as a result of a covered event. Some common types of commercial insurance include general liability insurance, property insurance, and business interruption insurance.


2. How much do I need?

The amount of insurance that a business needs will vary depending on the type of business and the specific risks that it faces. For example, a business that operates in an area with a high risk of natural disasters may need more coverage than a business that operates in a low-risk area. Additionally, a business that has a lot of valuable assets, such as expensive equipment or inventory, may need more coverage than a business with fewer assets. Business owners should work with their Campbell & Haliburton insurance agent to assess their specific risks and determine the appropriate amount of coverage.


3. How do I choose the right policy?


Choosing the right commercial insurance policy can be a complex process, as there are many different types of coverage available and different policies can have different terms and conditions. Working with Campbell & Haliburton’s Commercial Brokers who have experience working with businesses similar to theirs will help them understand the different options available. Business owners should also read the policy carefully and make sure they understand the coverage and exclusions before making a decision.

In conclusion, commercial insurance is an essential part of any business’s risk management strategy, but it can be complex and difficult to understand. Business owners should be familiar with the top 3 most asked questions about it which includes what commercial insurance cover, how much do I need and how to choose the right insurance policy. If you aren’t sure what about your commercial insurance, connect with Campbell & Haliburton’s Insurance Brokers and they will get everything straightened up for you.


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected.
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance Provider Campbell & Haliburton Insurance Tip On Vacations and Your Auto Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they talk about going on vacation and your auto insurance. 


Vacations can take you away, i.e. the cruise of a lifetime, other times you are using travelling somewhere with your vehicle. Here are a few tips to remember as you prepare for either vacation.

  1. If you are not taking your car, and leaving it at home, be sure to take anything personal out of the vehicle including your auto insurance policy and put it safely in your home. If your vehicle is kept in your garage, keep the keys separately from it and out of sight. When you return, you can return your personal items to your vehicle.

Road Trips and Your Auto Insurance

  1. Know Your Car Insurance Policy – Read through your existing coverage to ensure that it provides everything you need to remain safely protected no matter where you’re travelling. Make sure you know if you are covered in Canada and the US and what would happen if you were in an accident.
  2. Make sure that your car is ready for the long journey ahead. Visit your car mechanic and make sure the important service checks are up to date (e.g. tires, oil pressure, brakes, fluid levels). If you’re attaching a hitch or trailer to your car, check that it, and all the items inside, are secure. Additionally, it’s not a bad idea to load the maps for your destination on your GPS or mapping apps in advance. The more you know, the more you’ll feel confident on the road.

By taking the right steps before you go, you’ll be ready to enjoy your vacation. If you aren’t sure about your vacation and your auto insurance, connect with the Campbell & Haliburton Insurance Brokers they will get everything straightened up for you.


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. They know insurance inside and out, so please get in touch with them for all of your insurance needs and they will be more than happy to help ensure what you value most is protected.
**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance experts at Campbell & Haliburton Tip On Basic Auto Damage Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina can assist you with finding the plan that works best for you. In their latest Trusted Regina Insurance Tip, they share a tip on Basic Auto Damage Insurance


. In our latest Campbell & Halliburton Regina auto insurance tip, we share important information from SGI that explains basic auto insurance coverage.

Basic Auto Insurance Coverage – Tips and Information From Campbell & Haliburton Insurance


When you register a vehicle, you pay a flat registration fee and get a basic package of insurance on your plates. The insurance includes:

  • coverage for damage to your vehicle, subject to a deductible
  • personal injury insurance from a vehicle collision
  • liability insurance for damage your vehicle causes to another vehicle or property, or injury to others

Vehicle damage and your deductible. 


Physical damage your vehicle suffers from a collision is covered by your basic plate insurance, subject to a deductible. The deductible is the amount you must pay before your basic plate insurance covers the rest of the costs. Most vehicles with basic plate insurance have a $700 deductible.

If you have minor damages that will be less than your deductible to fix and you won’t make an insurance claim, you can pay for the repairs on your own. This is also true if you are responsible for the damage.

The chart below shows the specific deductible amount that applies based on the class of the vehicle.

 
Class Vehicle Type Deductible
Class A Light vehicles (under IRP) $700
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$2,500
  • Pro-rated heavy trucks
  • Cargo vans
  • Power units
$15,000 (optional)
Class C
  • Heavy trucks
  • Heavy cargo vans
  • Power units
$700
Class D
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Class LV
  • Passenger vehicles
  • Motorcycles
  • Motorized bicycle/pedal cycle
  • Antiques
  • $700
  • $700
  • $350
  • $500
Class MT Snowmobiles Not applicable1
Class PV
  • Heavy trucks
  • Heavy vans
  • Power units
$700
Antiques $500
Class TS
  • Trailers
  • Semi-trailers
$500
Class T
  • All trailers (except metal or fibreglass/other cabin trailers
$400
  • Metal cabin trailer
  • Fibreglass/another cabin trailer
  • Based on customer declared value:
  • Valued at $1,000 or less - $400
  • Valued at $1,001 or less - $500
 

Who pays the deductible after a collision?

Whether or not you pay your deductible depends on who caused the collision and if your vehicle has been damaged.
Situation Pay deductible? Details
You’re responsible for the collision Yes If the cost to fix your vehicle is more than your deductible, your basic plate insurance covers the difference.
You’re not responsible for the collision No The responsible driver’s insurance covers the cost to fix your vehicle.
Your vehicle wasn’t damaged in the collision No If your vehicle isn’t damaged, you don’t have to pay your deductible. This applies if you’re responsible for the collision or not. If the other driver’s vehicle is damaged, your insurance covers the cost to fix it.
You and the other driver are equally responsible for the collision and your vehicle was damaged Yes – you pay half If the cost to fix your vehicle is more than half your deductible, your basic plate insurance covers the difference.
You and the other driver are equally responsible for the collision and your vehicle was damaged, but the other driver is uninsured or from outside Saskatchewan Yes You pay your full deductible up front but SGI will try to get half of it back from the other equally responsible driver.
Your vehicle is stolen, vandalized, or damaged from a:
  • hit and run
  • storm
  • fire
  • collision with an animal
  • single-vehicle collision
Yes You pay your full deductible when there’s no other party to collect it from.

Deductible Payment Plan

If you have basic plate insurance and you're eligible, you can use the Deductible Payment Plan to pay your deductible over 10 months.

Reduce your deductible

If you want to pay a smaller deductible, you can buy an SGI CANADA Auto Pak with the deductible option that works best for you.

Coverage for vehicle damage

Your vehicle is covered for its actual cash value. This is the market value of your vehicle when compared to similar vehicles, with similar equipment, mileage and condition as your vehicle.

Coverage limitations

There are some limitations on vehicle damage coverage. For example:
  • Loss or damage to a vehicle insured under antique use
    • $800 less your deductible of $500
  • Loss or damage in classes A, C, D or TS (commercial trailers)
    • unless it says otherwise, limited to $15,000 or the declared value, less your deductible
  • After-market audio, visual, sound or communication equipment
    • capped at $1,500 per incident or collision - $2,200 less your $700 deductible
If your vehicle is damaged, take steps to make sure more damage doesn’t happen. For example, if your vehicle's window is broken, put a plastic cover over the window to prevent water damage from rain.

Extra damage coverage

For increased protection, you can choose to buy extra damage coverage with an auto extension policy through your insurance broker.

Liability insurance

If you’re responsible, or liable, for a collision, you’re responsible for the cost of the damage you’ve caused, which includes:
  • damage to personal property
  • physical injury or death to another person
  • a victim’s lost or potential income
Your basic plate insurance includes $200,000 of liability coverage. If you’re responsible for losses more than $200,000, you’ll have to pay for the difference out of your own pocket.

Increase your liability insurance

If you'd like to increase your liability insurance coverage, you can choose to buy an auto extension policy through your insurance broker with the liability coverage limit you like best.

Injury insurance

All Saskatchewan residents, drivers and non-drivers, are automatically covered with No-Fault injury coverage unless they choose Tort injury coverage. Any physical injuries you suffer from a collision are covered under your basic plate insurance. For details visit the Auto injury insurance page.

Examples of coverage

Example 1: You're responsible for a collision that causes a fair amount of damage to another vehicle. The other driver also has minor injuries and needs 3 months of physiotherapy after the collision.

 
Total cost of other driver's injuries and repairs $15,000
Total paid by SGI $15,000
Total paid by you $0

Example 2: In the same collision as above, your vehicle also needs a few repairs:
Total cost of repairs to your vehicle $1,000
Total paid by you (deductible) $700
Total paid by SGI $300

Your total cost for this collision is $700. Without the liability insurance included in your basic plate insurance, you would have been responsible for $15,000 from your own pocket.


As you climb into your vehicle the next time, you can do so with the assurance that you are covered with the auto insurance that best meets your needs. If you don’t have an insurance broker and want to talk to someone who is truly passionate about your insurance, contact  Campbell & Haliburton Insurance. 


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please contact us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Trusted Regina insurance brokers

**(This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.)

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