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motorcycleIf you have a scooter, then you want to make sure that you invest in scooter insurance. Motorcycle insurance is just as important as auto insurance coverage. You also have to make sure that you practice safety when you ride a scooter.

Scooter Driving Tips

Wear A Helmet

This is one of the most important safety tips for driving a scooter. Before you start your scooter, you will need to put on a helmet. It is estimated that 37 percent of motorcycle fatalities can be prevented by wearing a helmet.

Take A Safety Course

Regardless of how long you have been riding a scooter, you can always benefit by taking a motorcycle safety course. The Motorcycle Safety Foundation offers both introductory and advanced courses. You will receive a variety of scooter driving tips. The more you learn, the more prepared you will be when you get out on the road.

Follow The Rules

This is another one of the most important safety tips for driving a scooter. However, it is one that people often ignore. You should familiarize yourself with the traffic laws and follow them.

Make Sure You Are Visible

Many accidents occur because people are not able to see the scooter rider. That is why you should do everything that you can to increase your visibility. You should avoid blind spots and wear reflective clothing.

The Importance Of Having Scooter Insurance

The purpose of scooter or motorcycle insurance is to cover the cost of accidents. If you do not have insurance, then you will probably be the one who is responsible for paying for the cost of the accidents. It works in the same way that auto insurance does. You will have to pay a premium to maintain your coverage. Keep in mind that you may also be able to get motorcycle insurance from the same company that provides you with auto insurance coverage. Getting scooter insurance and auto insurance from the same provider can also help you save money.

HurricaneYou built your home on the coast, and the weather is lovely. The gorgeous sunsets and breeze blowing in make living here dreamy. That dream can turn into a nightmare if you aren’t prepared for hurricane season. Below are tips about hurricane insurance.

Homeowners Insurance

Most people obtain homeowners insurance coverage and don’t worry about storms. They are certain that insurance will cover the damage. Do go over your policy and find out if it covers hurricane insurance. In most cases, it doesn’t. Flooding is typically not covered either. Don’t get caught in a disaster without homeowners insurance coverage for hurricanes.

Commercial Insurance

Do you know what your commercial insurance policy covers? You may be surprised to learn that it generally does not cover hurricane damage. Do purchase a policy with your insurance coverage for hurricanes. Hurricane season can be disastrous to business owners. Don’t let that happen to you.

Auto Insurance

Wind from a big hurricane just slammed your car into another car. You aren’t worried. Your auto insurance will take care of it, right? More than likely, the answer is wrong. Unless you have collision and comprehensive added to your auto policy, you may be out of luck. Do add these to your policy if you don’t already have them. Don’t find yourself up-the-creek without your car.

In General

Insurance coverage can be complicated to understand. You purchase it and think you’re covered. That simply isn’t the case where hurricanes are concerned. Do check your policy to see where you stand. Don’t get caught in the storm without your umbrella of coverage. Hurricane force doesn’t have to force you to lose out.

senior man riding an ATV quad by an colourful autumnal dayAvoid Injuries and Collisions by Understanding ATV Safety Tips

If you enjoy hunting from an all-terrain vehicle, then it is important to understand the recommended ATV safety tips. First, it is important to have the appropriate automobile insurance coverage that is required by the state where you live. In most cases, the insurance coverage that you buy from a local agent is enough to provide financial protection if an injury or property damage occurs, but it is an excellent idea to check the regulations in the area where you plan to hunt.

A List of Hunting Safety Tips

In addition to following routine hunting safety tips, you need to remember these specialized ATV safety tips while hunting. Here are a few hunting safety tips to avoid a collision or injury.

1: Learn How to Use Firearms Correctly

Enroll in a firearm safety class to refresh your rifle and gun maintenance skills. You will learn to treat all firearms as if the items are loaded in addition to keeping your fingers off of the trigger until it is time to shoot at a target. An instructor will also teach you to keep a firearm locked in a container until it is time to shoot wildlife.

2: Avoid Alcohol or Drug Use While Hunting

Driving while under the influence of drugs or alcohol is dangerous, and it is also not safe to be impaired while hunting in an ATV. Alcohol and drugs change your visual acuity, physical reactions, and mental judgment, so don’t bring liquor or drugs along on a hunting trip. In fact, if you have a vehicular or shooting accident while impaired and driving an ATV, then your insurance coverage rates will increase.

3: Apply for a Hunting License

You must have a valid hunting license in the region where you plan to hunt to avoid a financial fine or incarceration. This license may give you permission to hunt for particular types of game at certain times of the year. If you are traveling through a forested region or mountainous area, then you may need to follow particular guidelines when it is time to shoot wildlife. Keep your hunting license nearby along with your proof of having ATV insurance in case you are stopped by a law official.

Contact an Automobile Insurance Company for More Information

For additional ATV safety tips, while hunting, you should contact your vehicle insurance company’s agent. The good news is that the cost of ATV insurance is similar to the amount that you would spend on other vehicles, and it provides valuable financial protection.

homeownersinsuranceNo one ever expects an emergency to happen, but it is a bad practice not to plan for one. For whatever the cause may turn out to be, whether a natural disaster or a home invasion, it is necessary to ensure that your most important documentation is secure. You may feel safe if you have homeowners insurance coverage, but it would be downright silly to assume that this coverage is all you need to do. To truly protect yourself and your home, you will also need to be careful with your most valuable paperwork. This will even save you for times when your insurance coverage needs documents in the case that something does happen!

 

In order to start taking control of your papers, the first step is to appoint one place in your home where you will keep your paperwork and make sure your household members are aware of it. This is so that in an emergency, you will not need to rush around to search for documents and if you need to evacuate, everyone will know what to take. For the actual storage of your documents, you have a multitude of options based on your needs. Home safety boxes on the market boast a variety of different features that can make a difference depending on the situation. Home safety boxes that are waterproofed for example will provide safety for your papers even in the case of a flood or other water damage, whereas other safe boxes may include a variety of locking systems and security measures such as fingerprint detection to provide security in the case of home invasions.

 

Generally, the idea of protecting your papers has a simple premise: in the case of an emergency, the first thing people want is that their papers are safe, and the last thing anyone wants is to spend time digging for their important documentation. Even when your homeowner’s insurance coverage includes such emergencies, you will have to provide itemized lists of all objects involved in the emergency. Important papers such as house deeds often are also necessary when dealing with insurance coverage and policies. By taking steps to ensure that you know where your papers are, and how exactly you store them, you will best prepare yourself for anything that may happen in the future.

car passengerFour Tips to Prevent Teen Driver Distractions

New auto accident statistics reveal that when passengers distract a driver, a collision is more likely to occur. Not only do you want to prevent an accident from happening while you are a passenger, but also, you don’t want a driver’s auto insurance coverage rates to increase. Here are a few tips to prevent teen driver distractions.

One: Avoid Too Much Talking

To prevent an accident, auto insurance companies suggest that passengers avoid talking too much to a driver. When a passenger is talking, it is difficult to hear an oncoming vehicle’s horn, and some drivers try to look at the person who is talking rather than watching the road.

Two: Don’t Share Foods and Beverages

Resist the urge to hand a driver a bottle of water or a sandwich while they are driving. A driver who is reaching for something cannot keep both of their hands on the steering wheel, making it impossible to swerve away from a vehicle that crosses over from its lane.

Three: Keep Cellphones Turned Off

Having a cell phone while in a vehicle is an excellent way to call someone in an emergency, but do not talk on the device. According to auto accident statistics, cellphone use by passengers is a leading cause of teen driver distractions.

Four: Sit Still While Inside a Vehicle

After choosing a seat in a vehicle, fasten the seat belt and remain in place. Avoid switching seats with other passengers or climbing from the back of a vehicle to the front while it is in motion.

Maintain Affordable Auto Insurance Coverage

If an auto insurance company determines that passengers were acting inappropriately while inside a vehicle during an accident, then the agents can refuse to pay for any damages.

summer travelVerify That There is Adequate Insurance Coverage on Your Vehicle

In addition to having auto insurance coverage before going on a road trip, make sure to prepare your vehicle to ensure that it can withstand hot summertime temperatures. If you enjoy do-it-yourself maintenance, then begin the process of working on a vehicle at least two weeks before traveling. By beginning repairs as soon as possible, you can avoid delays because you need a replacement part.

Top Tips for Preparing a Vehicle for Summer Travel

A basic vehicle tune-up is essential before a vacation, and this includes checking these items:

• Oil – check the vehicle’s oil by using the dipstick before adding more oil
• Coolant – verify that there is enough coolant in the vehicle’s radiator
• Belts – do the belts look worn, stretched or degraded?
• Air filter – replace the vehicle’s air filter before leaving
• Tires – add air to deflated tires to reduce gas consumption
• Wiper blades – replace torn or frayed wiper blades
• Lights – make sure the lights are working correctly

Contact Your Auto Insurance Coverage Agent for Information

It is a good idea to call your vehicle insurance coverage agent to determine if your policy is appropriate for traveling to other states or outside of the United States. You might need to purchase additional travel insurance to protect you financially if you are driving across the border into Canada or Mexico. When traveling anywhere, always carry your auto travel insurance cards with you to show to authorities when an accident occurs.

What Are the Benefits of Having Travel Insurance?

You might wonder what the benefits are from having auto travel insurance. An automobile insurance agent can explain this short-term policy to you, and it might include providing financial coverage for any vehicles that you rent while traveling in the summer.

motorcycleMotorcycle riders experience a special kind of freedom that only they can understand. There are many reasons why people buy motorcycles such as they are fun to ride, are an economical way to get from point A to point B, and it is always easy to find a parking spot. The reasons to ride may vary from person to person but the dedication to the sport is constant. There are unique motorcycle safety issues that are connected to riding. Before getting on a motorcycle, a person must have special training, take tests, wear the appropriate gear, and get motorcycle insurance.

Safety is Number One

Each year there are more and more people who are taking to the road on a motorcycle. As the number of riders increase, the more motorcycle safety becomes an issue. Many states across the nation require motorcyclists to pass a standardized written and driving test. Most currently have some type of helmet law in place and require motorcycle insurance. There are risks involved in riding a motorcycle, and taking all the necessary precautions helps riders enjoy the ride.

Motorcycle Insurance Coverage

Insurance is there to protect the rider, the bike, and other vehicles. Motorcycles are a financial investment that can be protected with the right insurance coverage. There are minimum state requirements that often include insurance liability. Many different types of insurance options are available to motorcyclists that cover repair or replacement costs, medical expenses, legal fees, or liability claims. Insurance liability covers at-fault accidents and is often referred to as property damage or bodily injury insurance. Insurance can be purchased for street bikes, touring bikes, cruisers, scooters, and even motocross. This applies to both new and vintage types. Having the right insurance coverage gives riders the confidence they need to relax and enjoy the ride.

insurance coverage, automobile insurance, affects of the ocean on a car, ways to protect your car from damage from living close to the oceanHow Does Living Near the Ocean Affect Your Car?

There are a lot of advantages to living near the ocean: plenty of sunshine and warm weather, water sports, beautiful views, and glorious sunsets. Coastal living isn’t without its drawbacks, though. The salt and humidity found near the shore can cause a lot of damage to vehicles. Below you’ll find some of the effects of the ocean on a car and ways to protect your car from damage from living close to the ocean. Protecting your car from such damage is as important as maintaining your automobile insurance.

Rust

When your car is subjected to the salt spray and heavy dew of the ocean, it is likely to rust more quickly than it would otherwise. Water and the open air is all it takes for rust to form, and there is plenty of both near the beach. If you properly maintain your vehicle, especially the surface areas, you should have no problem keeping rust away.

Internal Damage

The inner workings of your vehicle are also subject to the effects of the ocean on a car. Salt will sit on an engine, especially if it is run infrequently. Camshafts, cylinders, brake calipers, nuts, and bolts can all begin to oxidize if not properly cared for. Special care should be taken during winter when extra dew is in the air.

Paint Loss

Paint damage can be caused by salty air and prolonged sun exposure. In areas where it is sunny year-round, the heat opens the pores of the paint which then allows more moisture in. When that moisture is full of salt, a paint finish may quickly lose its shine.

Ways to Protect Your Car from Damage from Living Close to the Ocean

A few common sense measures will help protect your vehicle. Protect your investment in your vehicle and insurance coverage. Never drive over sand; There is little more corrosive to your undercarriage than sand as doing so exposes it to corrosion.

 If possible, park in a garage. Any coverage is better than none, especially during the winter months. Wash and wax your vehicle regularly. Vehicles operated near the ocean will benefit from frequent internal inspections, as well.

To keep your car and yourself protected, keep your insurance coverage up to date. Call your local automobile insurance office for more information.

homeowners insuranceBefore the first claim is filed, and even before the first premium is paid, trust between the customer and agency should be cultivated. Whether the customer needs a policy for homeowner insurance, renters insurance, auto insurance or business insurance, the goal of the agency should be to demonstrate trust factors that ensure that every customer will be a lifelong client.

 

One such trust factor is competence. A thorough knowledge of the product and the ability to articulate the parameters of the insurance coverage is essential for building client confidence. The customer should know what they’re purchasing and should be confident that their homeowner insurance coverage, renters insurance coverage, auto insurance coverage or business insurance coverage meets their needs.

 

Additionally, a regular review of the product is needed to determine if the customer continues to have adequate insurance coverage. Does the client’s homeowner insurance coverage reflect recent upgrades made to the home? Is their renter’s insurance coverage for personal liability sufficient? Would an increase in coverage give greater protection for a customer reevaluating auto insurance coverage? Should our business client add professional liability to their business insurance coverage? Such care demonstrates to clients that they are a top priority.

 

A further demonstration of trust is through exceptional customer service. Can the agency be counted on when the customer files a claim? Whether the claim is for minor damage or a catastrophic loss, a demonstration of compassion, patience, regular follow-up and an expeditious handling of a claim will go a long way to show the customer that they are valuable clients.

 

Whether clients are shopping for homeowner insurance, renters insurance, auto insurance or business insurance, trust factors such as competence and excellent customer service will ensure that your customers will be with you for a long time.

insurance policyActual cash value and replacement cost are two insurance coverage concepts that are not fully understood by the general public. Read on for information on how these terms relate to auto and commercial insurance coverage.

Actual Cash Value

Actual cash value (ACV) is the monetary value assigned to property or the process by which that value is obtained. It is also defined as depreciation subtracted from the replacement cost. ACV policies are preferable in insurance coverage cases of appreciation rather than depreciation.

Replacement Cost

Replacement cost considers the initial value of the property upon purchase. The omission of deprecation allows more money to compensate for lost electronics and cars, making replacement cost policies great for home and auto insurance coverage.

Which Policy Is Best?

With homeowners insurance coverage, a replacement cost policy is usually ideal. When you are looking to replace belongings that were lost years after purchase, the items will have depreciated, making them nearly impossible to truly replace. For example, a flat screen smart TV that you purchased for $1000 years ago may only be worth a few hundred dollars now. Imagine searching for a similar TV today with $500 or less to spend.

Replacement cost policies also work well for auto insurance coverage. If your agent needs to find a replacement cost for your Honda that was new when you purchased it, then he or she might check the prices of similar Honda models that are new now.

Some things, like sports memorabilia and fine art, get better with time. If you own rare items for which a replacement cost would be difficult to find, consider an ACV policy. You can even insure your irreplaceable items with a separate ACV commercial insurance coverage floater that supplements your replacement cost homeowners insurance coverage.

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