New Driving Law in AZ

Arizona is ringing in the new year with a ban on texting and driving. Starting January 1st, 2021, it will be illegal to use electronic devices while driving unless it is in a hands-free mode. This may include making phone calls, sending text messages, scrolling through social media, or even holding a device with your body. What about your tablets, portable music players, or gaming devices? If it is causing distraction and requires the use of your hands then yes, the same rules apply. However, this will not apply to making emergency 911 calls or using GPS navigation. You may be wondering how can this impact you the next time you get into your car?

The ban is a primary offense so you could be pulled over solely for having a phone in your hand. If you do get pulled over for violating the new law, you may not get lucky with a warning. Instead, you can receive a citation. Getting cited with a first time fine between $75-$149 is not a great way to help ease the toll on your wallet after all the shopping and spending from the holidays earlier. Not only is there a fine, but this may increase what you’ll pay for auto insurance! So, prevent the financial burden from fines or increased insurance rates and most importantly, keep yourself and others safe by following the new law.

After all, using your cellphone while driving is incredibly dangerous. According to the National Highway Traffic Safety Administration, texting takes your eyes off the road for 5 seconds. And a lot can happen when you’re not paying attention in those 5 seconds. Texting and driving can cause serious and fatal car accidents. Speaking of dangers on the road, INW Insurance Solutions wants you to know that December is also National Impaired Driving Prevention Month.

Between Thanksgiving, Christmas, and New Year’s Eve, the holidays are the perfect time to have fun with your loved ones. However, the celebrations filled with fun and cheer also increase the dangerous risks on the road such as drunk drivers.

This is why auto insurance is essential. Accidents can happen at any time and have life changing consequences. Getting your auto insurance from INW Insurance Solutions means you get quality auto insurance coverage that helps protect you in the event of expensive lawsuits.

INW Insurance Solutions knows all about driving safely and auto insurance. If you have any questions about your current auto insurance plan, call INW Insurance Solutions so your agents can review your coverage and help you prepare for any upcoming changes. Don’t forget to share this article with your friends and family so they can be aware of the upcoming changes to driving in Arizona.

Why do I need condo insurance in Mesa, AZ

Mesa, AZ has a lot going for it. Located in the Valley of the Sun it is about 20 miles east of Phoenix. Owning a condo in this area is popular with year-round residents and snowbirds. Condo insurance is similar in some ways to home insurance but it has some unique components. INW Insurance Solutions is an independent agency that offers over 20 carriers from which to choose. We make buying insurance as easy and carefree as possible for our customers who we consider our friends. 

Your condo association has a master policy that covers some parts of your condo. It also covers the shared areas like halls, elevators, pools, and walkways. How far into your condo it goes depends on the master policy. Familiarize yourself with it before you purchase your insurance to make sure you have the right coverage. The roof and exterior of the building are covered by the master policy. What you need to know is does it come into your condo at all or does it stop at the walls. 

One reason you need condo insurance in Mesa, AZ and any other place is that you have a mortgage. Lenders require you carry condo insurance so their investment is protected. Property insurance will also protect your investment if a covered hazard damages your property. Condo insurance helps pay for a place to stay while your home is being repaired. 

Personal property is all your possession. Imagine not being able to replace your clothes, furniture, electronics, and the things you have accumulated over the years. Condo insurance also provides liability insurance in the event someone is injured while visiting you or by a member of your family even a pet. Being sued is not something you should face without insurance. 

To find out more about condo insurance in Mesa, AZ contact INW Insurance Solutions.