Every driver is required by law to carry automobile insurance. However, some people get behind the wheel without it, and that may become your problem if you don’t have uninsured motorist coverage. Getting into an accident is traumatic enough without worrying whether anyone who hits you has insurance. The great news is, with the right coverage, this doesn’t have to be a problem for you. All Counties Insurance Agency & Traffic School can help you obtain the coverage you need in West Palm, FL. In the meantime, here’s some important information on uninsured motorist coverage.
Uninsured motorist coverage protects you against other drivers with no insurance. In the event of an accident, it pays for your property damage and injury caused by an uninsured driver. These drivers lack liability coverage, so you have to pay the costs you incur on your own either out-of-pocket or through your insurance. This type of insurance typically also protects you against underinsured motorists as well.
When you purchase uninsured motorist coverage, you receive protection against this risk. The coverage pays for expenses incurred in you’re in an accident with someone who doesn’t have liability coverage. Underinsured motorist coverage kicks in if the other driver has liability coverage, but has less coverage than you. For insured drivers, when an accident is the other driver’s fault, their insurance covers your damages. Of course, if the other driver has no insurance, then you are left holding the bag.
Talk to your agent at Insurance Agency & Traffic School. Set up an appointment to discuss all your insurance need and to get a quote that includes uninsured motorist coverage in West Palm, FL.
RVs are an amazing resource for relaxing, having fun and seeing the country. When they’re motorized, they can give a unique level of freedom. That freedom might come with a bit more responsibility. When it comes to insuring a motorhome against normal risks in Wixom, MI, there are a few tricks you might want to know. That’s why America’s Choice Insurance Partners are providing this tip on seasonal motorhome coverage.
Part-Time vs Full-Time
The first distinction that has to be made for RV insurance is how often you live in it. Plenty of people only “live” in the RV while they’re on vacations, but it’s not uncommon for individuals to make the motorhome the “always” home. Obviously, an always home needs year-round coverage. As for the part-timers, not all policies look as accommodating on the surface as they turn out to be.
Part-timer’s insurance is a common delineation for recreational motorhomes. It accounts for the fact that the majority of your nights each year will not be in the RV, and the cost of the policy reflects that. Some policies are designed around seasonal usage, but most take that seasonal price and simply split it into an annual price. In other words, part-timer’s insurance usually costs much less than full-timers, but you might still make 12 monthly payments on it.
Rules of the Road
The biggest reason for this arrangement is to insure you have proper liability on the road. Since a motorhome drives on roads, state laws treat it like any other vehicle. It needs that minimum car insurance, and that is usually rolled into your RV policy. A part-timer plan will set you up with everything you need to safely enjoy the motorhome.
Of course, there are always more options out there. If you want to make sure you have the right policy available in Wixom, MI, talk to your America’s Choice Insurance Partners agent today.