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Boat Insurance Available
Buying a boat comes with numerous questions, but some people forget to ask about boat insurance. They get so caught up in wondering what the boat can do, how it works, what features it has or could have, and what they can do with it. Some might have some questions about boat insurance and what it entails, but most people don’t think about that until it’s time to find an insurance company and get their boat covered. Before you begin boat shopping, it’s a good idea to get to know what insurance options you have. This allows you to see what the cost might be based on the boat you’re looking at purchasing, the coverage you want, and the premiums you’ll pay. Knowing how this portion of boat ownership affects your budget prior to shopping makes boat shopping just a little easier.
If the owner of the property you damage sues you following the accident, this type of insurance coverage saves you from becoming personally liable for the debts incurred. This saves your home, your finances, and your future. Now is a good time to buy this coverage for your own personal protection.
Your boat is your property, and anything can happen at any time. Someone could run a red light and slam into your boat while you’re trailering it home and cause damage. Someone might steal your boat. Anything can happen, which is why you must have boat insurance with property coverage. If any of those things happens to your boat, your boat insurance property coverage policy pays you to either repair or replace the boat. It’s coverage most families can’t afford not to have.
Uninsured Watercraft Coverage
If you’re on the boat and another boat hits you, they are responsible for the accident. Their insurance will handle the cost of any boat repairs and injuries to anyone on your craft. Unfortunately, there are instances in which a boat without insurance hits you. If the person who owns the boat can’t afford the repairs to your boat or the medical bills associated with any injuries sustained as a result of the crash, you suffer the consequences. Your insurance will handle the payments, repairs, replacements, and any other expenses incurred because of the accident if you have uninsured watercraft coverage. This boat insurance is designed to protect boat owners from those who don’t have insurance.
Boat insurance is designed to cover numerous financial aspects of any accident. While the repair or replacement of a boat is typically the most expensive aspect of any accident, there are a few exceptions to the rule. There are sometimes injuries associated with accidents. Those injuries might be minor enough boaters only need to see the doctor to be sure there aren’t any major injuries they can’t see, but sometimes they’re more severe. Hospital bills, doctor fees, deductibles, and medications are just the beginning of some medical bills following a boating accident.
If someone on your boat is injured to the point they require surgery, rehabilitation, they miss work, they lose their job, become disabled, or they require therapy for emotional distress following an accident, their bills pile up. Medical coverage allows your insurance company to pay for these bills so you and your passengers are sent into medical bankruptcy as a result of the accident. This is a boat insurance policy you want to pay for when you buy a boat.
Boat insurance is expensive for some, but it’s worth the cost. If you want to see if there’s a way to make it a little more affordable without sacrificing coverage, you can always ask your insurance agent for discounts. If you want to go with the insurance company who covers your home and car, you can ask to bundle the policy and receive the package discount. Anyone can take boat safety courses and receive certification that’s worth a discount.
You can buy a boat and find a way to make insurance a bit more affordable. It’s possible for most every boat owner, and it’s available if you simply ask the insurance agent to apply it to your account. As long as you have insurance for your boat, you can rest easy on the water.
Motorcycle Insurance Policy
Buying a motorcycle is an exciting process for anyone who loves to ride, but it’s expensive. Depending on the bike you purchase, it’s age, it’s features, and its safety rating, you might score a good deal on your motorcycle insurance. There are discounts for many insurance discounts available for anyone with a bike, but the cost shouldn’t deter you from purchasing motorcycle insurance. It’s meant to cover you in case you are injured, your bike is damaged, or you are the cause of an accident that injuries someone else and/or their property. Motorcycle insurance is also designed to protect you in case of theft. Bikes are heavy, but anyone with determination can pick one up and take off with it, leaving you with nothing but a memory of the days you rode. If someone steals your motorcycle, you need insurance to replace it. This is why getting to know your motorcycle insurance and its theft protection clause is such a good idea.
Why Are Motorcycles Targets?
Motorcycle insurance rates are determined using numerous factors, and one of those is the fact bikes are easy targets. Thieves love motorcycles. They’re much lighter than vehicles, easier to move, and far easier to take without anyone noticing. They also consist of expensive parts thieves can easily sell on the black market and to other bikers who have no idea they’re stolen for a premium. The more expensive the bike and the more expensive the upgraded parts on the bike are, the more likely a motorcycle is to be stolen.
Motorcycles are also bigger targets in specific locations. If you live in Florida, California, Texas, Arizona, or other states with very warm weather most of the year, your bike is more likely to be taken. These states typically have more residents with bikes than colder climates where they’re unable to be used regularly. Motorcycle insurance is expensive because people like to steal bikes, and bikers who just want to ride for enjoyment are the ones who must pay the price for that.
Filing a Motorcycle Insurance Claim
With home insurance and car insurance, it’s not always going to raise your rate to file a claim. With a motorcycle insurance policy, your rate is going to rise when you file just one claim. As soon as you file a theft claim on your motorcycle, you become a policyholder labeled high risk. Bikes are already high-risk enough based on the severity of injuries, the number of accidents they’re involved in, the cost to replace them, and the cost to cover theft. Now that it’s happened to you and a claim is filed, your insurance premium will rise. Unfortunately, there’s nothing you can do but file a claim if your motorcycle is stolen but expect the premium hike.
Which Insurance Covers Theft?
Not all motorcycle insurance policies protect against theft. There are policies that only protect you if you’re involved in an accident, if you’re injured, or if you cause an accident. There are policies that cover the bare minimum, and there are riders that protect you from theft should it occur. The best policy to choose when you purchase a motorcycle is comprehensive coverage. It’s just like the name suggests, and it protects you from the most comprehensive damage imaginable. This type of coverage is designed to cover the cost of the motorcycle stolen.
If you own a motorcycle, you’ll want to do what you can to protect your insurance rates as well as your bike. Prevention is always helpful, and there are several things you can do to protect your motorcycle from theft.
– Keep your bike in a locked garage at home
– Park your bike close to a large, immovable object and lock them together when possible
– Purchase color tag locks for your brakes
– Install an alarm on the bike
– Park near security cameras anytime you’re away from your garage
Driving a motorcycle is a fun experience for anyone who has one, but it’s expensive to insure. Before you commit to a policy with any insurance agent, know what the policy covers, what it doesn’t, and up to what amount you are covered. If you aren’t satisfied with the policy, add riders and customize it to work for you. Anytime you purchase expensive new parts, call your insurance agency to let them know what you’ve changed or added to ensure your policy is always as up-to-date as possible. Forgetting to add even one expensive part to your policy could result in an insurance payment that’s not enough to cover the loss.