What to Do After a Car Accident

Posted on February 22, 2017


Uh oh, you just got into a fender bender on your way to run a quick errand. What should you do now? Stay calm and read on to learn how to react to make sure that the process goes as smoothly as possible.


  • Get out of your vehicle and provide assistance to anyone who is injured.
  • Call the police or highway patrol immediately.
  • Take photographs of your damaged vehicle and the scene. Note the date and time that the images were taken.
  • Protect the accident scene the best that you can and move your vehicle into a safe place.
  • Once the police arrive, give them as much information as you can about what occurred. Do not admit fault; simply give the facts.
  • Ask the investigating officer for a copy of the police report, as you may have to submit it with your insurance claim.
  • Take as many notes and write down as many details as you can remember about the accident, and then call A W Welt Ambrisco Insurance, Inc. to report your claim.
  • Keep all records of correspondence that you have regarding your claim, including the date, name and title of the person that you talked to about the accident.
  • Keep a record of any expenses that you incurred as a result of the accident. Depending on your policy, you may be entitled to reimbursement for those expenses.


Sounds easy, but many people forget to do this after an accident for one reason or another. It is important to get the names, address and phone numbers of everyone involved. Also, gather a description of the car(s) and license plate number(s), and make sure to get the insurance company and the vehicle identification number of everyone involved when you’re at the scene of the accident.


Getting involved in a wreck can put a serious crimp in your day, not to mention the damage it can do to your wallet. The more prepared you are, the easier it is to handle the fallout from an unexpected accident.

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The IMT Group Names AW Welt Ambrisco Insurance 2017 Gem Agency 

Posted on January 27, 2017

IMT Group, a leading provider of personal and commercial insurance products in the Midwest, recently announced its list of 2017 Gem Agencies, distinguishing AW Welt Ambrisco Insurance as one of the qualifying recipients.

The IMT Group is proud to recognize AW Welt Ambrisco Insurance as one of the highest performing IMT and Wadena Insurance agencies in its six state territory (Iowa, Illinois, Minnesota, Nebraska, South Dakota, and Wisconsin). Of the approximately 980 IMT Group agencies eligible for consideration, only 86 of the top performing agencies received the Gem distinction this year.

Each year, The IMT Group awards the Gem distinction to only those agencies that demonstrate outstanding performance in the areas of rank, growth, loss ratio, and profitability. Last year, AW Welt Ambrisco Insurance was one of the Top 125 IMT Group agencies to produce a positive premium growth or policy count growth. In addition, AW Welt Ambrisco Insurance also sustained a favorable loss ratio.

The IMT Group is proud to have AW Welt Ambrisco Insurance represent IMT and Wadena Insurance Companies. It is the superior performance and unwavering commitment of Independent Insurance Agencies like AW Welt Ambrisco Insurance that enables IMT to continue to live up to their slogan, “Be Worry Free with IMT!

You may find more information on The IMT Group by visiting www.imtins.com.

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Prevent Frostbite this winter

Posted on January 13, 2017

This past month’s temperatures proved that it is in fact winter here in Iowa, and with freezing weather comes the need to increase your awareness about frostbite symptoms, treatment and prevention. Although everyone is susceptible to frostbite in cold climates, taking a few simple precautions can help you prevent frostbite, keeping you safe and healthy this winter season.


  • Skin discoloration, along with burning and/or tingling sensations
  • Partial or complete numbness of the affected area
  • Intense pain

If frostbite goes untreated, the affected skin gradually darkens within a few hours, and once the skin is completely destroyed, it turns black and looks loose and frayed, as if it is burnt.

To reduce your risk of frostbite:

  • Protect your hands, feet, nose and ears by bundling up in warm, layered, loose-fitting clothing.
  • Go inside to warm up periodically, even if you do not feel extremely cold.
  • Do not drink alcohol before or during exposure to cold weather, because it may prevent you from realizing that your body has become too cold.
  • Avoid smoking cigarettes, which can narrow your blood vessels and increase your risk of frostbite.
  • Get out of the cold when your skin appears red or if you experience any pain.

If you think that you have frostbite, move to a warm location and place your affected body part in warm water until it is soft and sensation has returned. Then, wrap the area in clean, sterile dressing and visit a doctor for follow-up care.

People who suffer frostbite on their extremities are also susceptible to hypothermia, a dangerous lowering of body temperature. Check for symptoms of hypothermia and treat them first before tending to frostbite injuries.

We hope you and your family stay safe and warm this winter season!


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Insurance Resolutions for 2017

Posted on December 29, 2016

The new year is upon us! You may have already figured out your personal resolutions for the new year, but we have a few more to add to the list. Our suggestions for your INSURANCE resolutions for 2017: (more…)

Happy Holidays from AW Welt Ambrisco Insurance!

Posted on December 22, 2016

Happy Holidays!

It’s hard to believe 2016 is nearly over! We have thoroughly enjoyed working with you in all your insurance and risk management needs this year and look forward to continuing our partnership in 2017. Our office will be closed Friday, December 23 and Monday, December 26 for all of us to spend our families. But, if you need to reach us, please call (319) 887-3700 to be directed to our after-hours service.

We hope you all have a wonderful and safe holiday weekend with your friends and family!


All of us at AW Welt Ambrisco Insurance

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Holiday Safety Tips for You and Your Home

Posted on December 08, 2016

The holiday season is here! And with it come new home hazards – from holiday decorating, to holiday travel. Here are some safety tips for you and your home during the holidays: (more…)

Surprising Statistic on Vehicle Theft

Posted on December 01, 2016

We noticed quite an interesting article in the Insurance Journal last month with a surprising statistic on vehicle theft in 2015: 1 out of 8 car thefts, the driver had left keys in the car! That certainly sounds like a headline from years past since most people nowadays are vigilant about keeping their vehicles secured. However, once we thought about it (especially this time of year) it doesn’t seem that farfetched. With cold weather months upon us, many people who park their vehicles outside are turning them on to “warm up” before heading to work or school. And for those who don’t have automatic start systems installed in their vehicle, that means leaving the actual keys or key fob in the vehicle (typically unattended). And unfortunately, in this situation, it only takes a few moments for a thief to make off with your car.

Some tips to keep your car from being stolen:

  1. Don’t leave keys or key fobs in your car
  2. If you do warm up your vehicle, keep a very close eye on it
  3. Always lock your vehicle and don’t leave any valuable possessions in plain sight


Read the full article from The Insurance Journal here: http://www.insurancejournal.com/news/national/2016/11/02/431182.htm

FLSA Overtime Rule Effective December 1st

Posted on November 17, 2016

On Dec. 1, 2016, the minimum salary threshold for overtime exemption will be raised to $47,476 a year ($913 a week). As of Dec. 1, most employees earning less than that amount will have to be paid overtime for any hours they work over 40 in a week.

Over the past several months, a number of bills have been introduced in Congress that would delay or change the final overtime rule. Some of those bills include the following: (more…)

Preparing for Winter Driving

Posted on November 10, 2016

It’s hard to think of preparing for winter driving conditions- especially when we’ve been so spoiled with warm fall weather this year. Temperatures in the 70’s and it’s already November?! unbelievable! But, this is the Midwest and before we know it cold weather will be here. Which means now is a great time to get prepared. One item to add to your to-do list this fall is preparing your vehicle for winter driving. Fall and winter obstacles such as rain, wildlife, darkness, snow and ice can make driving extremely dangerous. As a result, you should take some steps to prepare your vehicle to drive in adverse conditions: (more…)

Importance of Prompt Claim Reporting

Posted on November 03, 2016

The rising cost of claims presents a significant challenge for employers today. However, there is a simple strategy that can significantly reduce your claims costs: report all claims promptly.

In fact, the sooner a claim is reported, the lower the cost is likely to be. Beyond cost, reporting claims promptly can help avoid unnecessary conflict with insurance companies, ensure a proper investigation, preserve employee morale and maintain compliance.

Minimize Costaw-wc-impact

It’s no secret that delayed reporting of claims can add up to unnecessary costs for employers. Studies show that the longer it takes to report a claim, the higher the cost tends to be. For example, the National Council on Compensation Insurance (NCCI) conducted a survey and found that claims costs began to climb significantly after a lag time of just seven days. A reporting lag of 29 days or more after the incident resulted in costs that were 49 percent higher than costs of claims reported within a week.

In addition, by promptly reporting claims, day-to-day operations will be able to return to business as usual much faster, which can also save your company money associated with lost productivity.

Reduce Friction with Insureraw-connect

Many policies have reporting requirements, so it is possible that a late claim could void your coverage altogether. When your company delays reporting a claim, the process is much more difficult for a claims adjuster – making it less likely that your company will receive the most advantageous settlement or outcome.

It is also important that the insurer is able to conduct a thorough investigation as soon as possible after the incident. When reporting is delayed, the investigation can be much less conclusive due to faded memories and unpreserved evidence.

Preserve Employee Morale

Certain incidents can be upsetting for employees, and it is important for your company to demonstrate that you take the matter very seriously and care about your employees. Promptly reporting any claim can go a long way toward preserving employee morale and trust in your company.

Maintain Complianceaw-hrsolutions-logo-final

There are certain types of incidents that need to be reported not only to the insurer, but also to the Occupational Safety and Health Administration (OSHA). When a recordable work-related illness or injury occurs, the employer has seven calendar days to record it on their OSHA log, Form 300.

We can help

The AW360 suite of business services offers programs to help you stay on top of your claims reporting, risk management and HR needs. Contact your Business Risk Advisor to learn more (319) 887-3700 or info@awwelt.com.