Hail Hit the Car. Should You File a Claim?
A family agency in Lincoln. We compare several carriers and tell you straight when a claim is not worth it.
Send us the photos first.We look at the dents and the estimate before anything goes on your record.
File It or Pay It Yourself?
Put in the repair estimate and your deductible. The ledger compares what each choice could cost you over the next three years, using sample Lincoln numbers.
After a Nebraska Storm
What we help with from May to October. Swipe for more, and tap a photo to see it bigger.
A Father, a Daughter and Several Carriers
Walt started the agency on a quiet block near downtown. Anna runs claims now. Neither of us works for one carrier, so we can shop the same coverage with several and show you the prices side by side.
- Same coverage, every quoteSo the prices are fair to compare, line by line.
- A person on claimsAnna answers the phone after a storm, not a call center.
- A look every renewalIf your price jumps, we shop it again before you pay it.
- Teen driversWe check good student and driver course discounts before you add them.
Deer Season Is Claim Season
October and November bring the most deer hits on the roads around Lincoln. Hitting the deer is usually comprehensive. Swerving into the ditch is usually collision. Brake hard and stay in your lane.
What Lincoln Drivers Say
"Anna looked at my hail photos and said the repair was barely over my deductible. She told me to pay it and keep my claim free discount. Nobody else would have said that."
Dale K. Waverly
Walt found us a carrier that took our teenager for less than we feared. He explained every line.
Priya S. Hickman
I hit a deer on Highway 77. I called the office first, and they told me exactly what to send and where.
Marcus L. Crete
Sample reviews written for this demo. Your site shows your real Google reviews, word for word.
We cover Lincoln, Waverly, Hickman, Crete, Seward, Bennet, Firth, Malcolm, Raymond and Ashland, and anywhere in Nebraska by phone.
Questions We Get After Every Storm
Will a hail claim raise my rate?
Hail falls under comprehensive, and most carriers do not treat it like an at fault crash. Some still drop a claim free discount, and a lot of claims in a few years can count against you. We check how your carrier handles it before you file.
Should I call my carrier or you first?
Call us first. With some carriers, even a call to ask about damage gets noted on your record. We can look at the photos and the repair estimate and tell you if a claim makes sense.
What does Nebraska require on a car policy?
Nebraska asks for liability of at least 25/50/25 plus uninsured and underinsured motorist coverage of 25/50. That is the legal floor. Most families we insure carry more, because one bad crash on I-80 can cost far more than that.
Is hitting a deer comprehensive or collision?
Hitting a deer is usually a comprehensive claim, not collision. Swerving and hitting a fence or a ditch instead is usually collision. That is one reason we tell people not to swerve.
Why use an independent agency?
A carrier can only sell you its own policy. We work with several carriers, so we put the same coverage in front of each one and show you the prices side by side. Quotes depend on the carrier and underwriting, so we cannot promise any one price.
Not Sure About a Claim?
Leave a first name and a phone number. Anna calls you back the same business day, before you call the carrier.