Collision CoverageWhether it’s icy roadways, a blind spot, or an uncontrolled intersection, Collision Coverage pays any amount more than your deductible to restore the damage done to your vehicle to factory new condition in the event of an accident. Generally, Collision Coverage reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.
These are just a few good reasons for getting Collision Insurance:
- It pays for damages to your vehicle even if you are not at fault.
- Your car can be fixed right away, if there is a debate over who is at fault and you don’t have Collision Coverage, you may have to wait a long time for the funds to repair your car; you also run the risk of never receiving payment for incurred losses.
- The other person may be at fault but may not have insurance.
- You hit a telephone pole because the roads were slippery, you hit an object late at night; the unexpected happens and sometimes it can cause a lot of damage to your vehicle. Collision covers the unexpected.
- If you have a new or newer vehicle it covers damages that can be extremely costly.
- If you can’t afford to replace your current vehicle, Collision Coverage helps get your vehicle back on the road without costing you an arm and a leg.
Contact us for more information about Collision Insurance. We will review all of your current insurance coverage and find out which insurance products best fit your needs.
Motorcycle TypesWhether you’re taking to the back-roads on a classic bike or traveling the highways on a touring cycle, we provide coverage for a variety of bike types: Classics, Cruisers, Custom, Sport, Touring, Trike Conversion. It’s about the open road, leather and chrome, bugs in your teeth. When you’re out riding, the last thing you want to worry about is whether you have the right insurance policy. Whether you’re cruising on your moped during your daily commute or riding your road bike across the country, we offer a comprehensive list of coverage options to fit your needs.
For real peace of mind as you travel the highways and byways, you need a policy that provides a wide range of coverages. These should include:
- Collision Coverage
- Other Than Collision Coverage
- Liability Coverage
- Medical Payments Coverage
- Safety Apparel Coverage
- Optional Equipment Coverage
Just in case you want extra peace of mind we also offer: increased limits on liability, uninsured/underinsured motorist coverage, replace cost total loss settlement coverage, increased limits on optional equipment coverage, towing and roadside assistance, and coverage on transport trailers.
If you recently purchased a “bike” and are interested in getting coverage, or if you simply would like to review your current policy, please contact us at any time.
LiabilityYou never know when someone might get hurt in an accident. You could stand to lose a lot if you are at fault. Liability Coverage provides protection again financial loss. Liability Coverage protects the insured against financial loss arising out of legal liability imposed upon him/her in connection with bodily injuries (or death) suffered, or alleged to have suffered, by persons or the public, or damage caused to property other than property owned by or in the custody of the insured as a result of the maintenance of the premises, or the business operations of the insured.
When accidents occur, individuals in the accident are compensated for injury or losses caused. Usually the largest expenses are medical; however fees and costs can be exorbitant if a lawsuit occurs. Some individuals may want to consider Umbrella Liability Insurance to protect against catastrophic loss.
Contact us for more information regarding your current policy or to find out more about Umbrella Liability policies and if you should consider getting one.
Medical Payments CoverageIt’s been a month since the accident and you just received your first hospital bill. Medical Payments Coverage makes sure you’re protected against the income losses caused by medical and funeral expenses. Did you know that the average funeral cost today is $65001 or that in 2007 health expenditures were expected to rise 6.9 percent2? It should be the last thing that your loved ones have to worry about, should something happen to you, but planning for it is a necessary reality.
Medical Payments coverage makes sure that medical bills and funeral expenses are covered should you, or a passenger, be injured or killed in a vehicle accident. This coverage extends to you or a family member when riding as a passenger in someone else’s vehicle or when struck by a vehicle when on foot. Costs are covered up to the amount specified by the policy.
If you have more questions about how to be prepared for medical or funeral expenses caused from an automobile accident, please contact us for more information.
Optional Equipment CoverageAdding features to your vehicle may add a personal touch but they can get “spendy”. That’s why we provide Optional/Add-on Equipment Coverage. Under the Comprehensive and Collision portion of your policy, optional equipment (a CD player for example) is covered only if permanently installed in the opening of the dash where the manufacturer would normally install such equipment. An endorsement is available to provide coverage for optional equipment not permanently installed in the dash and for theft of items such as tapes, discs or other equipment designed for the reproduction of sound.
Contact us for more information regarding Optional/Add-On Coverage.
Safety Apparel CoverageHave a nice helmet? Got some sweat leathers? Make sure you don’t have to pay for it all over again if you get into an accident. Helmets, gloves, boots all the stuff that protects you in an accident is expensive. It costs nothing when you know that it may one day save your life. After all, your gear is replaceable, you are not. But, if you end up getting into an accident you will have to replace some if not all of your protective gear and that can get expensive.
Safety Apparel Coverage is designed to provide coverage for all of the protection and safety gear related to your recreational equipment. Check to see if it is currently part of your recreational vehicle coverage, or consider adding it to your coverage if you don’t already have it.
Contact us at any time to review your current recreational vehicle coverage or if you just purchased a new vehicle and are wondering which options are the best for you.
Transport Trailer CoverageSometimes transport trailers cost just as much as the vehicles that you own. That’s why we offer Transport Trailer Coverage. To make sure that your transport trailer is protected. For most of us, the best terrain isn’t in our back yard, and even if it was, we would probably get a little bored with traveling the same trails. That means we need a reliable travel trailer to take us and our rec. vehicle to new and exciting places. That’s why we provide Travel Trailer Insurance. To protect your investment, as sometimes it can cost as much or more than your equipment. We provide coverage for transport trailers valued up to $7,500 so that not just your vehicles are covered. Trailer coverage is provided under most recreational vehicle policies but it is always good to check with your agent to see which coverage options best fit your needs.
Contact us today to learn more about Trailer Coverage and to review your current policy.