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May 11,2008

Insurance Resources

 


Typical Automobile, Motorcycle, and Watercraft Insurance Questions


What do I need to know about Auto Insurance?
         Choosing the auto insurance requires consideration of manyfactors-  Take into account          everything you own and the reasons to protect them. The year of the vehicle and actual cash          value of it also can help in determining the right coverage for your auto. Contact one of our          agents and we will tell you which coverage options are optional and what are not. We will          also identify the coverage that is important for you to carry depending on you circumstances          and not ours; hence you will receive the quote you have always been looking for.

What should I do if I'm in an accident?
         1.- Stay Calm. Determine the injuries and or damage.
         2.- Call the police. File an accident report and obtain medical assistance if needed.
         3.- Limit Discussion. Talk only with the police or your insurance agent. Don't admit                liability or fault on the scene of the accident.
         4.- Get the facts. Write down names, addresses, phone numbers, insurance companies               of individuals involved, and witnesses.
         5.- Call your insurance agent to report the accident.

How do I file an Insurance Claim?
         Call your Insurance agent or Insurance Company "Claims Hotline" as soon as possible.         Getting your agent's help, may speed things along.

What do I need to know about Motorcycle Insurance?
         You need an insurance policy that is tailored in your needs in mind. Take liability for         example. Guest passenger liability helps protect you bodily injury to a passenger on your         motorcycle if you have an at fault accident. Protect your bike also by purchasing collision         and or comprehensive coverage. You can also tailor your policy to include towing, rental         reimbursement, and labor coverage.

What do I need to know about RV Insurance?

         Your motor home can be both your transportation and your home away from home. So         like your auto and your home, you need to safeguard it with the proper insurance         protection. Consider the risks you face when and where you use your motor home.         Consider the high cost of repairs to your motor home if it were damaged and even         towing expenses, which can run hundreds of dollars.

What do I need to know about Watercraft Insurance?
         You need separate coverage for the variety of risks you face when storing, launching,             hauling or running your seaworthy vessel. Boats, and other watercrafts can be large        investments, and like any good investment they should be insured. Also protect yourself in        case of accidents with good liability coverage.


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