Answers to 3 of the Most Commonly Asked Questions about Boat Insurance

Your boat insurance policy covers you in the event there is damage or loss to your boat. Boat insurance typically covers the majority watercraft that has a motor, but it typically doesn’t cover watercraft without a motor, such as kayaks. For coverage on these types of personal watercrafts, residents of Cullman, AL should talk with Insurance Solutions Inc. to determine if they have limited coverage under another policy, such as their homeowner’s policy. If you are new to boat insurance, you probably have several questions, so here are the answers to the most popular asked questions about boat insurance.

Are Passengers Covered?

Yes, boat insurance will cover you as well as your passengers should there be an accident. The passengers on your boat are covered under the liability portion of your policy. However, it’s important that you verify in advance whether your policy covers water skiers that are being pulled behind your boat.

Is Theft of the Boat Covered?

A comprehensive boat insurance policy will cover the theft of your boat itself; however, the personal possessions you have on the boat may or may not be covered; it depends on your policy. For this reason, it is important that you carefully review your policy’s comprehensive coverage to determine what may not be covered. For instance, if you will be carrying fishing equipment on your boat, you may want to consider purchasing an additional rider policy to cover potential losses.

Is Engine Damage Covered?

The coverage for engine damage varies from company to company and policy to policy. Some policies may have machinery damage exclusion, while other policies may not. In some situations, it depends on the age of the motor itself, so it’s important to discuss this type of coverage with your individual insurance provider.

The exact type and amount of boat insurance needed will depend on a variety of factors, such as the value of your boat, the age of the boat and the size of the motor. To find the best coverage, it is recommended that you discuss your options with your policy provider.

To learn more information about boat insurance, residents of Cullman, AL should contact Insurance Solutions Inc.

Why You Should Review Your Motorcycle Insurance Heading Into Winter

Cullman, AL residents will typically put their motorcycles away during the winter months. While this is a normal tactic, Insurance Solutions Inc. recommends taking the time to receive an annual review. These reviews allow a client to learn more about the ins and outs of their policies, giving them the chance to enjoy a wide range of benefits. 

Examining Additional Coverage Options 

While most Cullman, AL riders already have standard coverage for property damage liability and bodily injury, that does not mean that they are fully protected. The annual review should take place before the winter weather arrives so that the policyholder can examine additional coverage options. Equipment coverage and rental reimbursement are key areas of discussion.

Leasing Information

Even those who are leasing their motorcycles will benefit from taking the time to meet with Insurance Solutions Inc. to learn more about additional coverage. If the client is eligible for any additional coverage, the consultation meeting is the best time to learn. By equipping oneself with this coverage before the weather changes, a client is taking the necessary proactive steps.

Learning More About Valuable Discounts

Riders may not be aware of the discounts that they are entitled to and when they are not aware, they will spend far more over the short term and the long haul. Has the client gone several months (or years) without causing an accident? Have they taken any motorcycle safety courses recently? Can they benefit from bundling these policies with other insurance policies that they have already obtained? These are all questions that insurance agents are able to answer.

By taking the time to meet with experienced insurance agents before the weather starts to turn, a motorcycle rider is able to avoid the usual pitfalls that take place. An annual insurance review is one of the most crucial aspects of motorcycle leasing or ownership. Be sure to schedule a consultation, so that the usual drawbacks can be avoided. 

Do you really need classic car insurance?

Your classic is your pride and joy. You have worked diligently to restore what many in Cullman, AL counted as a lost cause. With so much time, money, and energy put into building your project car into what you’ve always dreamed of, why not purchase classic auto insurance to protect your investment? The agents at Insurance Solutions Inc. can help you find the policy that best suits your overall lifestyle.

What is classic car insurance?

Classic auto assurance should not be confused with antique insurance in Cullman, AL. Antique assurance is a policy that covers cars older than 50 years old. A classic insurance plan, however, lets owners purchase plans if their vehicles are older than 30 years. In some instances, a car qualifies as a classic if it is older than 25 years. The bar of what qualifies as a classic car is established by state governments. 

Why do you need classic car insurance?

Did you know that a standard auto assurance plan does not properly value your classic car? The average auto indemnity policy will pay around $1,500 for a salvaged classic car. Such an amount is disheartening for those who have invested a lot of money into their project cars and happen to become victims of a car accident that causes irreparable damage to the vehicle. 

Classic car insurance does not follow the same model as a traditional indemnity plan. You can almost get the full value of a salvaged classic car under the right specialized assurance plan. 

Call Insurance Solutions Inc. today for a quote!

Our agents are knowledgeable and ready to help with all of your insurance needs. Call us today to get started on a quote for your classic car or truck!

Are Helmets Required When Riding ATV’s?

Riding ATV’s is a fun way to spend a weekend afternoon. It always pays to put safety first. Wearing a helmet is important if you want to protect yourself from potential injury if an accident occurs. The agents of Insurance Solutions Inc. serve the residents of Cullman, AL and are willing to answer any questions their clients may have about helmet use in the state of Alabama.

Off-Road Vehicles

ATV’s are primarily for off-road activities. In some cases, they cannot legally be driven on the roads. They don’t require a license plate like other vehicles. Because they are primarily driven on private land, there are few laws pertaining to helmet use. If you are traveling on state property, however, you may be required to wear a helmet. 

Always Wear a DOT-Approved Helmet

DOT-approved helmets are the only ones that have been tested and proven to meet state standards in terms of preventing injuries. If the helmet meets those standards, it will have a DOT sticker at the center on the back of the helmet.

Don’t Take Unnecessary Risks

It’s also important to operate your ATV in a safe manner. This means minimum speeds and driving carefully over rough and rugged terrain. If it looks unsafe, remember that it probably is.

In Cullman, AL, residents who own and operate ATVs on a regular basis should always take every precaution to stay as safe as possible. This means always wearing a DOT-approved helmet whenever an ATV is in motion. The agents of Insurance Solutions Inc. will help you find the best type of helmet that meets your needs and offers the most protection.

 

What you should know about ATV Insurance

Having an ATV can be a great experience as they can provide you with some thrilling experiences and plenty of memories. When you own an ATV, it is also important that you remember that it is a valuable asset that needs to be properly protected about ATV insurance. There is a lot that you need to know about ATV insurance to ensure you get the right policy for your situation. 

Covers the ATV

The first thing that people in the Cullman AL area need to know about ATV insurance is that it can provide you with coverage for the ATV. If you buy an ATV, you are likely going to be making a big purchase. When you take out an insurance policy, you will be getting coverage to protect this asset. This could provide you with coverage in the event of theft, damage in an accident, or a variety of other situations that could cause a loss.

Liability Protection

Owners of an ATV will also want insurance to make sure they are covered for liability. When you get liability insurance, you will have protection if you are found to be at fault during any type of accident. This could prove to be very valuable in some situations if you happen to cause property damage or injuries to another party.

There are clearly many benefits that come with getting ATV insurance. When you are ready to start shopping for your next ATV insurance policy, you should speak with the team at Insurance Solutions Inc. The insurance professionals at Insurance Solutions Inc. can help a Cullman, AL resident get into an ATV insurance policy that provides the right level and type of protection. This can provide peace of mind and valuable coverage for the asset. 

What is umbrella insurance and how can it help you?

Business owners in the greater Cullman, AL area are finding out how helpful umbrella insurance can be for their companies. The team at Insurance Solutions Inc. is pleased to be able to offer this option to their clients as we find that it can make a huge difference in the long-term health of our clients’ business interests. Umbrella insurance provides important coverage when a primary policy reaches its coverage limits. This protection can be vital to the continuation of your business after a covered event.

How umbrella insurance can help protect your company?

Primary commercial policies carry limits to the amount of coverage that they provide and once those maximums are reached any future loss may become your financial responsibility. If you would like to avoid a situation where you are liable for a covered event because of policy maximums, then it’s time to find out more about umbrella insurance and how it can help protect your company.

An umbrella policy is especially helpful in protecting you from litigation and monetary liability that can arise from such lawsuits. If you have a sizable company and a high amount of assets, the last thing that you want is something like a suit brought forward by a disgruntled employee to wipe out all of your hard work. Understanding your current policy limits is the first step in determining if umbrella insurance makes sense for you. As your company grows your insurance needs will change, and it is important to make sure that your policy limits grow too.

Want to find out if an umbrella policy can help your Cullman, AL area company protect its future no matter what may happen? Contact the team at Insurance Solutions Inc. today and find out more!

Importance of Home Liability Protection

Liability coverage is an important part of your home insurance policy. Liability insurance protects you against accidents that may occur while people are visiting your home. If a visitor trips over your pet and sprains his ankle, you could be held responsible. Liability coverage protects you against being sued by covering your visitor’s x-rays and other medical costs. Here are a few ways personal liability insurance from Insurance Solutions Inc. in Cullman, AL can protect your assets.

Covers Medical Costs and Lost Wages

If you’re constantly inviting friends over for dinner or hosting holiday parties, liability coverage is a must to protect yourself against accidental injuries that may occur on your property. Accidents happen all the time, leaving you at risk of being sued for damages. Liability insurance helps cover medical expenses, property damage and lost wages of people who have accidents on your property (if the accident leaves your visitor temporarily incapable of working) to protect your assets. 

Protects You against Lawsuits

Liability insurance also covers legal expenses if a visitor decides to sue you for damages after having an accident on your property. If you’re found liable for the accident due to negligence, your liability coverage will help cover settlement costs, up to the limits of your policy. A serious accident could deplete your savings if you had to pay for damages out-of-pocket. Smart homeowners will be prepared with adequate insurance coverage.

Provides “Away from Home” Protection

Liability insurance can even protect you when you’re traveling by paying for damage you cause to other people’s property. If, for example, your children accidentally damage the flat-screen TV in the hotel you’re staying in while on vacation, liability coverage can help cover repair or replacement costs. 

To learn more about personal liability coverage and the protection it has to offer, contact Insurance Solutions Inc. in Cullman, AL.

Myths about insurance for your business

When you’re running your own business, it can be complicated to navigate the insurance landscape. There’s a lot of misconception and misleading information out there. 

Here are 3 of the top business insurance myths, debunked. 

Myth #1: My home insurance will protect my home-based business

This one is one of the most popular myths that small business owners believe. After all, your small business is based out of your home – why wouldn’t your home insurance also cover your business? 

Most home insurance policies don’t cover home-based damages that may occur in your home office. Check with your local insurance agent about the best type of liability or business insurance policy you need to protect you, your home, and your business.

Some examples of items not covered by home insurance but could be covered by a business insurance policy include laptops or other physical operating equipment that may be broken; slander; or an injury that occurs on-premises. 

Myth #2: General liability insurance covers all my risks

Speaking of liability insurance – many business owners, both small and big, believe that a general liability insurance policy will cover all of the risks that they may face. 

While general liability insurance may provide comprehensive coverage, it won’t cover every claim that may arise – or against certain types of injury.

Many business owners will find that they need an additional policy to cover all of their operating functions. Talk with a local insurance agent to see what type of policy is the best fit for your business. 

Myth #3: I don’t need business car insurance since I drive my personal car

Many small business owners believe that their personal auto insurance will cover their business operations. However, many personal auto insurance policies will not cover incidents for which the automobile was used for business operations. 

Talk with your insurance agent to see if you are covered. After all, you don’t want to be denied a claim if you were using your car for business delivery and you were involved in an accident that totals the vehicle. 

When you’re ready to speak with your trusted choice in insurance, call or visit Insurance Solutions Inc. in Cullman, AL today!

Does Your Car Insurance Cover a Rental Car?

If you are getting a rental car in Cullman, AL, you may be wondering if your car insurance will translate to the rental car and if it is worth paying for the extra insurance the rental car company offers you.

There isn’t an easy answer because it will depend on what your personal auto insurance covers, what protection your credit card offers, and where you are renting the car. Before you rent a car, you can talk to your agent at Insurance Solutions Inc. to determine if your current coverage can extend to your rental vehicle.

Generally, coverage from a primary auto insurance policy does extend to a rental car. If you cause an accident when you are driving a rental, then liability insurance will pay for damages to other cars and injuries. Your collision and comprehensive coverage will also extend to the rental car. Collision coverage will pay for damages related to an accident and comprehensive will cover damage not related to an accident. There could still be some charge the rental company imposes, even with collision and comprehensive coverage, but it still helps to have that coverage in place.

Different credit cards also come with rental car insurance as an added benefit. This can take the place of your current auto policy. For this coverage to work, you will need to pay for the rental vehicle using that card. Not all coverage through credit cards is the same. Some offer primary coverage so you don’t have to make a claim on your auto insurance, while others only offer secondary coverage.

Your home or condo insurance can still cover your personal belongings if they are stolen from a rental car, but you should check those individual policies for any exclusions.

Contact Insurance Solutions Inc. serving Cullman, AL, to get a quote on auto insurance. 

Getting Motorcycle Insurance Lined Up Before Buying a Motorcycle

If you are thinking about buying a new motorcycle, it is helpful to work with your agent at Insurance Solutions Inc. serving Cullman, AL and the surrounding area. If you let your agent know the motorcycle models that you are considering, you can get motorcycle insurance quotes before going to the motorcycle dealership(s).

Motorcycle Dealers May Not Have the Best Insurance Offers

Be careful about being tricked by a motorcycle dealer into getting insurance through the dealer that may not be adequate. A motorcycle dealer is interested in selling the motorcycle. It must be insured to be taken off the sales lot. However, the insurance offered by a dealer may only protect the lender’s interests and not much else.

It is Easy to Work with Your Agent

If you take the proactive steps to get your motorcycle insurance application set up and ready to go, then all your agent needs to do is drop in the motorcycle details of the one you want to buy and the insurance can be put into place very quickly and easily.

Talk with your agent about the type of motorcycle insurance coverage that will be adequate for your needs. It may include more than the basic requirements depending on your circumstances.

It is nicer to have an agent for all your motorcycle insurance needs who knows you personally and looks out for your best interests than accepting some generic policy offered by a motorcycle dealer from some insurance company that you never talked with before.

Insurance Is Part of the Decision

The motorcycle insurance is part of the overall operating expenses for a new bike. It may differ depending on the make, model, and year of the motorcycle. It is helpful to learn about these details from your insurance agent to make a better decision.

To get a quote for new motorcycle insurance contact your agent at Insurance Solutions Inc. in Cullman, AL by calling 256-739-2329 for all your motorcycle insurance needs.