Do You Need Motorcycle Insurance?

If you enjoy the feel of the wind through your hair as you are driving your motorcycle, then motorcycle insurance is a must. It is required in the State of Arizona by law in order to keep yourself protected in the event that there is an accident. If you need insurance coverage in the Mesa, AZ area, the first thing you should do is research insurance companies in the area to see which ones will have the policy you need. Calling and speaking with a knowledgeable insurance representative, such as the staff at INW Insurance Group, may also help answer any questions you have and put your mind at ease. There are three types of coverage that are the most common for motorcycle owners, including:

  • Comprehensive Physical Damage: This type of insurance protects against adverse weather conditions, theft, vandalism, or other damage that was caused when it was not on the road.
  • Collision: Collision insurance will only pay for damage done to your motorcycle after an accident.
  • Bodily Injury Liability: Medical expenses for third parties will be paid after an accident with this type of insurance.

For those motorcycle owners who do have insurance, it is crucial that you do not let the policy expire. Without proof of updated insurance, the motorcycle registration and your driver’s license could be suspended. These rules only apply to those motorcycles that are on the road. It is perfectly acceptable to not update your insurance on a bike that is non-operational, such as being repaired or restored. 

If you enjoy riding your motorcycle and want to continue driving it, motorcycle insurance is necessary. INW Insurance Group works with clients in the Mesa, AZ area and would be happy to discuss any policy with you. Contact them to determine what policy is right for you.

 

What to Do If You Back Into Your Garage Door

There are plenty of reasons why somebody might accidently back into their own garage door – early morning distractions, poor driving conditions, and inadequate lighting are just a few. While this is usually an embarrassing scenario, it happens more often than people think. If you find yourself in this situation, it’s important to remain calm and go through the proper steps to get your garage working properly and safely.

The first thing you should do after backing into your garage door is to assess the damage. If the damage looks minimal and your car is still inside, you can continue trying to move out. Just make sure to close the door manually without using too much force once your car is safely in the driveway. If it seems to catch and suddenly requires more force to close, stop and call a professional to make repairs.

Make sure to review at your insurance policies’ deductibles before calling your insurance company. It may not be worth opening a claim if you have to pay too much out of pocket. The average cost of a new steel garage door can range anywhere from $750 to $3500, with minor repairs costing only a few hundred. Because filing a claim often increases your policy rates, it’s often better to cover the damages on your own.

If your garage door is extremely damaged, it may be necessary to contact your homeowner’s insurance company. The same goes for calling your auto insurance company to cover damages to your vehicle. However, it is important to note that your auto insurance does not cover the damage done to the garage door, and vice versa.

When a problem like this arises for residents of Mesa, AZ, they know they can turn to the experienced team of agents at INW Insurance Group for fast and reliable service. Your garage door is essential to the function, appeal, and security of your home, so give us a call at 480-626-0797 for more information about getting it fixed or replaced as quickly as possible.

Attractive Nuisances

An attractive nuisance is an object on your property that is potentially dangerous while at the same time appealing to children. Pools, trampolines, play equipment – even dogs – are considered attractive nuisances and homeowners coverage can be iffy. With houseguests and partygoers in the mix, they become even more risky. Here’s a list of precautions you can take to reduce your accident liability.

The Nuisance: Swimming Pool

The Fix:

Swimming pools provide much needed relief from hot Arizona summers, however anyone who gets hurt in your pool can sue, even if they are trespassing. Ask your insurance provider if it’s covered, and if so, if the limits are high enough. You can minimize your rate by putting up safety precautions such as signs and fences. Remove all pool toys from the deck and pool area immediately after swimming and keep rescue items like life rings within reach.

The Nuisance: Trampoline

The Fix:

Trampolines are responsible for over 100,000 injuries each year. Ask your insurance provider about coverage – they’re often excluded. You should also thoroughly read the trampoline manual and always supervise use.

The Nuisance: Abandoned Cars

The Fix:

Even if you plan on restoring your classic car to its former glory, insurers often see it as an attractive nuisance. Children are curious by nature and it wouldn’t take much for them to get locked inside or otherwise injured. Always keep windows shut with the doors and trunk locked.

The Nuisance: Play Equipment

The Fix:

According to the Centers for Disease Control (CDC), most home playground injuries involve swings. To reduce the chance of accidents, the National Association of Home Inspectors recommends spacing swings at least 24 inches apart and at least 30 inches from the support frame. Ensure it’s installed securely on a safe surface and maintain regularly.

Attractive nuisances are some of the main items that increase homeowners insurance rates. By knowing some of the usual suspects that are considered attractive nuisances, you can plan ahead and make your home safer and wallet-friendly. Give INW Insurance Group a call to discuss what’s covered under your homeowners policy and what options you have to increase your protection.