How To Appeal A SGI Vehicle Assessment - Trusted Regina Insurance Provider Campbell & Haliburton Shares Tip

19. May 2023 Ashlyn Regina Insurance, TRUSTED TIPS

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 appeal an SGI vehicle assessment.

How To Appeal A SGI Vehicle Assessment

Saskatchewan Government Insurance (SGI) is a crown corporation that provides vehicle registration, driver licensing, insurance, and damage claims services in the province of Saskatchewan, Canada. If your vehicle is damaged, SGI will conduct an assessment to determine the cost of repairs and whether the vehicle is repairable or a write-off.

Sometimes, the assessment provided by SGI may not be satisfactory or accurate, leaving the vehicle owner in a difficult situation. Fortunately, SGI provides an appeal process that vehicle owners can use to dispute the assessment and get a fair resolution. Here are some steps to follow if you want to appeal an SGI assessment of your vehicle damage:

Obtain a copy of the assessment report:

Before filing an appeal, request a copy of the assessment report from SGI. This report should provide a detailed breakdown of the damages and the estimated cost of repairs. Review the report carefully to identify any discrepancies or errors.

Gather supporting documentation:

To support your appeal, you should gather any documentation that supports your position. This may include receipts for previous repairs, photographs of the damage, and estimates from other repair shops.

Contact SGI:

Once you have reviewed the assessment report and gathered supporting documentation, contact SGI to request an appeal. You can do this by phone, email, or in person at an SGI Claims Centre.

Submit your appeal:

After you have requested an appeal, SGI will provide you with a form to complete and submit. The form will require you to provide a detailed explanation of why you believe the assessment is incorrect, and any supporting documentation that you have collected.

Wait for a response:

SGI will review your appeal and make a determination. This process may take several weeks, so be patient. If your appeal is successful, SGI may adjust the assessment and provide a new estimate for the cost of repairs. If your appeal is unsuccessful, you may still have options for further recourse, such as hiring an independent appraiser or consulting a lawyer.

In conclusion, appealing an SGI assessment of your vehicle damage can be a frustrating and time-consuming process, but it is important to ensure that you receive a fair and accurate assessment of the damage. By following these steps and providing supporting documentation, you can increase your chances of a successful appeal and getting the compensation you deserve. 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 appeal an SGI vehicle assessment on your vehicle.

Our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:

Campbell & Haliburton is a Trusted Regina Insurance Provider.

**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.

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

19. May 2023 Ashlyn Regina Insurance, TRUSTED TIPS

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.

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.

Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:

Campbell & Haliburton is a Trusted Regina Insurance Provider.

**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 Financial Advisors at Worby Wealth Management Explain Inflation

24. Mar 2023 Ashlyn Regina Financial Services, TRUSTED TIPS

Chris Worby is a Trusted Regina based financial advisor and Wealth Management services provider. With over 20 years of experience, Worby Wealth Management has been committed to providing a high standard of financial service to individuals, families and business owners in Regina and area. Worby Wealth Management listens and provides a personalized financial plan. In their latest Worby Wealth Management Trusted Regina Financial Tip, they share details about inflation.

Inflation

By Jeremiah Worby - April 2023

Inflation is when you inflate your tires with air. Inflation is also an economic term that refers to the increase in the price of goods over time. The latter will be the focus of this article. This increase in prices can be caused by a variety of factors, including supply and demand as well as changes in interest rates or government policy. Inflation can make it difficult for people to plan their finances effectively because they have less purchasing power with each paycheck.

Break it down for me

Inflation is measured using the consumer price index (CPI). CPI is a measure of the changes in the cost of living for consumers, including food, housing, transportation, healthcare and entertainment. The CPI measures price changes for all urban consumers by calculating average expenditures for each category.

Supply and Demand

The main factors that cause inflation are supply and demand.

Supply and demand are how much of a good or service is available, and how much people want to buy at any given time. In economics, there is only so much money in circulation (the supply). People will spend their money on goods and services, which creates an increased demand for those goods and services – and therefore an increased price for them.

Hard to Predict

Will Tom Brady be inducted into the Hall of Fame? Some things are easy to predict. Inflation is not one of them as it has a big impact on the economy. When inflation rises, it's usually because the quantity of money has increased faster than the goods and services available for purchase. In other words, there is more money available than there are goods and services in circulation. As a result, companies may raise their prices in order to maintain profit margins or simply keep up with rising costs associated with production.

However, if companies raise their prices too much without enough corresponding demand for their goods and services – or not enough supply of them – then inflation will decrease as people will buy less from those companies or stop buying altogether for fear that prices will continue to increase over time. The result is often called “stagflation” (a combination of "stagnant" economic growth coupled with inflation).

Inflation can also cause decreases in employment or increases in commodity costs such as food or fuel. This can lead consumers' purchasing power down while putting pressure on businesses' profits by reducing demand for products thus increasing unemployment across sectors. For example: If consumers spend less time driving to go shopping due to rising gas prices, then fewer products will be sold at grocery stores or department stores which would decrease profits.

Conclusion

Inflation is a complex topic, and this article only scratches the surface (it will not scratch that impossible to reach spot on your back). It’s important to understand how inflation impacts your personal finances, but it also affects businesses and governments as well. Inflation can be hard to predict and can have a big impact on the economy. The two main factors behind inflation are supply and demand. Inflation is generally caused by an economy growing too quickly and demand for goods outstripping supply.

Questions regarding inflation?

If you have questions about inflation or what you can do to fight against it, then contact Worby Wealth Management to get your questions answered and start investing today.

Some of the services that Worby Wealth Management can help you with:

TRUSTED REGINA FINANCIAL ADVISORs Chris & Jeremiah Worby from Worby Wealth Management help you live your dream!

The comments contained herein are a general discussion of certain issues intended as general information only and should not be relied upon as tax or legal advice. Please obtain independent professional advice, in the context of your particular circumstances. This Blog was written, designed and produced by Jeremiah Worby and Chris Worby for the benefit of Jeremiah Worby and Chris Worby who are Financial Advisors at Worby Wealth Management, a registered trade name with Investia Financial Services Inc., and does not necessarily reflect the opinion of Investia Financial Services Inc. The information contained in this article comes from sources we believe reliable, but we cannot guarantee its accuracy or reliability. The opinions expressed are based on an analysis and interpretation dating from the date of publication and are subject to change without notice. Furthermore, they do not constitute an offer or solicitation to buy or sell any securities. Mutual Funds, approved exempt market products and/or exchange traded funds are offered through Investia Financial Services Inc.

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

22. Mar 2023 Ashlyn Regina Insurance, TRUSTED TIPS

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.

Vacation Property & 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.

Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:

Campbell & Haliburton is a Trusted Regina Insurance Provider.

**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.

CONGRATULATIONS Dusyk & Barlow Insurance Brokers- Celebrating 10years as Trusted Regina Insurance Brokers

5. Feb 2023 Trusted Regina Regina Insurance, Trusted Partner News, TRUSTED TIPS

CONGRATULATIONS, DUSYK & BARLOW INSURANCE BROKERS- CELEBRATING 10 YEARS OF TRUSTWORTHY BUSINESS PRACTICES IN REGINA

TRUSTED REGINA RECOGNIZES OUR PARTNERS WHO HAVE BEEN TRUSTED FOR OVER 10 YEARS!

In this series of recognition articles, we continue to spotlight the businesses that have been Trusted Regina Partners for over ten years. Currently, we are recognizing the group of Partners that joined the Trusted Regina community in 2012. We want to thank them for TRUSTING our team, and we are identifying each of them individually for providing ten years of OUTSTANDING service to the citizens of Regina and the surrounding area! This latest article celebrates and recognizes Dusyk & Barlow Insurance brokers.

“Protecting What’s Important Since 1936”

DUSYK & BARLOW INSURANCE BROKER

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all its clients. Their long-standing reputation in the Regina community remains strong through maintaining high standards of excellence and ensuring that their client’s insurance needs are met.

Dusyk & Barlow are proud to have provided insurance services to Regina and area residents since 1936, that's for over 87 years! The team prides itself on providing superior customer service and maintaining its reputation as a trusted and reliable locally-owned and operated Regina insurance business for the next 80 years! Their success is powered by their team of insurance experts, who take the responsibility of protecting you and your family very seriously. They live and breathe insurance and want to make sure you have peace of mind knowing your home, business, and family are adequately insured for all of life’s circumstances.

Dusyk & Barlow has access to eight different insurance providers. This means that all the company’s brokers must constantly keep themselves up to date on what each insurer provides. Through Dusyk & Barlow’s website, clients can access many SGI services and obtain home insurance quotes. Their decades of experience prove particularly valuable for that purchasing insurance for commercial endeavours. The Regina brokers work with clients to determine what they feel they need to have insured versus how much risk they could feel comfortable assuming for themselves. Another bonus for Dusyk & Barlow’s commercial clients is that the company is licensed to provide insurance in all western provinces from B.C. to Manitoba. This is particularly valued by clients who open a business in Saskatchewan and later expand into other western provinces.

FAMILY-OWNED REGINA INSURANCE BROKERS

A quick Google and you will see many online reviews; the customer feedback is consistently excellent. They have many loyal clients who have been Dusyk & Barlow Insurance clinets for generations.

What Their Clients Say...

"I have gone to Dusyk and Barlow for 10 years, for all my home, auto, and rental property insurance needs. Amazing brokers who always works to find the best options for me, and all the staff are friendly, professional, and knowledgeable." A.J- Google

" All staff are very pleasant and easy to understand. When ever I need something, Jenna or another coworker goes over and above my expectations. Super convenient location! Have been with for about nine years and will stay as long as I'm in SK. Nice to see some businesses still have that personal touch." - Kevin Gwillim, Google

A word from Stephen Barlow

"We’re there to answer questions and make sure the client knows what to expect and what to do. We make sure the client is fully aware of how the process works and that they are doing everything right. We’d rather you ask a question now than after something happens and find out that something could have been done. We want to educate our customers, so they know exactly what they are getting. It may not always be the answer the client is looking for, but they can be assured when they leave here, they’ve got the proper information,” says Stephen. “It has served us well and still does going forward.”

A word from Sara, the Trusted Regina founder, about her personal experience with Dusyk & Barlow Insurance.

"Dusyk & Barlow Insurance Brokers have been the Insurance brokers for Trusted for over ten years, and I have found the staff to be knowledgeable, courteous and super helpful. Stephen, Rob, Kendrick and the management team lead by example; they are a pleasure to deal with as clients and as a customer. This local family owned company has a huge heart and I am impressed with their ongoing commitment to supporting the Regina community. Dusyk & Barlow Insurance sponsor many local community initiatives, and in addition, they hold an annual pancake breakfast every summer, which started in 2011 and their Four Weeks of Christmas Cheer, where they choose four different local non profits /causes to contribute time and funds to over the Christmas season." - Sara Wheelwright

Thank you for TRUSTING us, Stephen, Rob, Kendrick and the team at Dusyk & Barlow. The company has provided ten years of AMAZING insurance service to the people of Regina & area as a Trusted Regina Insurance Partner. We are proud to support you and to share that they have diligently upheld the 5 TRUSTED GUARANTEES of service.