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Insurance for your Motorcycle

Motorcycle Insurance in Washington and OregonThe sun is out and it’s time to dust off the bike and feel the wind in your hair again (if you still have any left). Before you take the old hog in for it’s summer tune up, look over your motorcycle insurance plan coverage and make sure you’ve got the necessary coverage to keep yourself, your motorcycle and other drivers safe.

Finding the right insurance policy for your motorcycle is important. Your policy should fit your bike, your lifestyle and your budget. Most states in the US require a minimum amount of liability coverage for motorcycles, but the other types of coverages can be optional. It’s important to ask you insurance agent which coverages are optional and which are required to make sure you are legal.

When you’re shopping for the right motorcycle insurance for you, it’s important to understand what you’re paying for.

Motorcycle insurance Collision coverage insurance covers the damages to your motorcycle if you were to be involved in an accident. After you pay your deductible, your insurance company will pay for the rest of the repairs.

Liability coverage insurance is what covers bodily injury and any property damage that you were responsible for in a motorcycle accident. This type of coverage doesn’t cover your motorcycle or yourself.

Comprehensive coverage insurance will cover the damages caused by things other than an collision. For example – vandalism, theft, or fire. You’ll have to pay your deductible before your insurance company picks up the rest of the bill.

You may be able to save money on your motorcycle insurance plan if you take certain safety courses. If you have more than one motorcycle you can also bundle those policies to save money. Keeping a clean driving record will also help keep your insurance premiums down.

Vern Fonk in Washington and Oregon specializes in motorcycle insurance for everyone! Our agents are experienced in finding the best and cheapest policies for all types of drivers. Call us today!

Don’t Give In To Road Rage

accidentHeavy traffic along the freeway and highway can test even the calmest of drivers’ patience and temper. Aggressive driving and road rage is a major contributor to serious accidents. Keeping calm and avoiding potential infuriating situations can help you stay clear of the results of road rage.

Road rage “involves a criminal act of violence”. This is what sets it apart from aggressive driving. Aggressive driving can involve speeding, tailgating and even running red lights. Aggressive driving is one of the biggest contributors of all accidents, especially those resulting in fatalities. Experts say that 56% of fatal crashes were caused by “aggressive behavior”.

A lot of insurance companies can exclude liability coverage for at fault accidents caused by road rage. If you are overcome with road rage, and get in an accident, your car insurance company may not pay for the damages.

Road Rage is on the rise. Since 1990 the reported incidents of road rage have increased by over 50%. Teenagers under the age of 19 are typically the most common offenders.

How can you keep yourself from raging? There are many things you can do to stay calm. Here are a few of our suggestions:

#1 Plan Ahead - Leave your home early to allow your self extra time to reach your reach your destination. People often stress more when they are running late and  it’s out of their hands.

#2 Don’t - Don’t give in to the other “annoying” drivers. Don’t glare, gesture offensively, flash your headlights, tailgate, or honk your horn. Don’t park blocking people in or blocking driveways.

#3 Do - Do gesture “I’m sorry” to someone you may have accidentally cut off, avoid eye contact with other drivers, drive the speed limit.

Just remember that it’s not worth it to get all worked up. Most “annoying” drivers don’t know that they’re being annoying, and yelling, gesturing and getting upset can only make the matter worse. The other driver will probably not even notice you trying to “teach” them the right way to drive, and your actions do not end up doing any good.

Stay calm and plan your route before hand. Be prepared and do not engage in other negative behavior. Remember the statistics about accidents and road rage and how they can effect your car insurance coverage. Stay safe out there!

Bodily Injury Liability Coverage

Bodily Injury Liability Coverage is a common term you’ll hear in the auto insurance world. It is one of the most misunderstood terms in the industry. This type of coverage actually doesn’t cover your injuries from a car accident, it helps cover you from the financial burden.

An example to illustrate this would be if you were at fault in an accident that resulted in the death or injury of any other person involved. Bodily injury liability coverage would protect you against the financial responsibility of medical bills, which can add up quickly. It would help pay for the person’s bills and help you avoid going bankrupt.

The typical state minimum for bodily injury liability coverage is $100k/$500k.  This means that it will cover one person’s costs up to $100k, but if there are multiple people involved it will go to a maximum of $500k together.  So the smaller amount covers one person per claim and the larger is for everyone involved int he accident that is injured.

The higher your coverage amounts are for bodily injury liability, the more expensive your premium will be. Having larger limits can be very helpful as these days medical bills can add up quickly. If your coverage limits are reached, and there are still medical bills to pay, the injured person can sue you for the rest of the costs.

If you have any questions about bodily injury liability coverage call Vern Fonk today. We’re the Northwest’s experts in auto insurance.

Renter’s Insurance – Help When You Need It

rentersIf you are renting a home, condo, apartment or townhome you should have a good renter’s insurance policy. Many people don’t really realize how much “stuff” they have and what it’s worth until it’s gone. If you’re considering renters insurance ask yourself this question – would I be able to afford to replace all of my belongings at a moment’s notice? If you answered no to this question (as most people would), you NEED a good insurance policy.

If someone were to break in and steal your stuff, or if your home was damaged in a fire and belongings were destroyed it could be devastating. A good renter’s insurance policy can help replace these items in certain situations. Your computer, jewelry, television, electronics, furniture and art can be very expensive to replace. To replace them all at once could cost thousands of dollars. Renter’s insurance policies are typically very cheap, only costing a few dollars a month. It’s worth it to cover yourself for the future.

Situations that Rental Insurance Can Cover:

  • Lighting strikes (fire)
  • Fire
  • Snow damage (from the weight)
  • Explosions (such as gas leaks)
  • Damage caused by vehicle or aircraft
  • Smoke damage
  • Hail and windstorm damage
  • Theft/Vandalisim or malicious mischeif
  • Damage from Riots or civil commotion
  • Falling objects (trees, meteors, etc.)
  • Water damage from plumbing, heating or cooling systems

When shopping around for renter’s insurance make sure you check what your policy will cover and what it will NOT cover. Your agent will help you figure out what policy will work best for your living situation and your budget.

If you rent you should have a good insurance policy. Just as home owner’s need homeowner’s insurance to protect their investment, you need to protect yourself from unforeseen disasters.

Call a Vern Fonk Agent today or stop on by one of our stores to get a policy that works for your living situation and your budget.

Commercial Truck Insurance

If your business uses a truck, it’s important that you have a great truck insurance policy to cover yourself, your employees, and your business. You can get commercial truck insurance if you have one truck or a whole fleet.

Isnow4t doesn’t matter what your truck is used for – whether it’s delivering packages or supplies or transporting equipment across the country – the truck is usually a main component of your business. If something were to happen to it, your business could suffer. Trucks aren’t cheap to buy, and we know what a valuable asset they can be to any business. Purchasing a commercial truck insurance policy to cover the vehicle is extremely important.

There are many different types of Truck Insurance coverages including:

  • General Liability Truck Insurance
  • Dump Truck Insurance
  • Property Damage Insurance
  • Motor Truck Cargo Insurance
  • Commercial Truck Roadside Assistance Coverage
  • Bobtail/Deadhead

It doesn’t matter what your trucking or driving experience is, most commercial trucking insurance companies have no minimum experience limits to get coverage.

If you’re looking for trucking insurance, you may want to talk to an experienced insurance agent. They can tell you if you need commercial insurance as well. Most companies that require this extra protection are passenger carriers, household goods movers, common carries and solid waste companies.

The minimum amount of truck insurance depends on the commercial vehicle. A lot of the limits depend on the weight of the vehicle as well as the combined single limit. Talk to a Vern Fonk Insurance agent today to get the details on exactly what coverage your company truck would be required to have.