What Happens if I Don’t Have Mexican Auto Insurance?

Sunscreen? Check. Passport? Check. Mexican Auto Insurance?

Your auto policy will most likely not cover Mexico, so Mexican auto insurance is something that you need for your next vacation. Luckily, INW Insurance Solutions offers Mexican auto insurance throughout Arizona.

After all, nothing may be more synonymous with Spring Break or summer than a trip down to Mexico. For many people in Mesa, Rocky Point is a popular vacation spot. If Mexico’s sandy beaches are in your future, then be sure to learn about Mexican Auto Insurance from INW Insurance Solutions.

How many trips to Mexico have you taken without being properly insured? It’s surprising how many people visit Mexico for vacation, but either forget or opt not to purchase Mexican Auto Insurance, which can potentially lead to the vacation being anything but a fun, relaxing time! If you end up in an car accident without Mexican auto insurance, your vacation can become a nightmare with possible consequences including expensive fines and jail time.

We at INW Insurance Solutions realize that when you’re thinking of the beach, margaritas, the music and the food that awaits you in Mexico, perhaps insurance isn’t at the top of your list of priorities. This is precisely why we’re doing all we can to help make buying insurance an easy, painless, economic experience…so you can move on to concentrate on the fun stuff!

We can insure your car, your recreational vehicle, and of course your quad or motorcycle.

The importance of insuring your car while you are in Mexico is indisputable. What you may not know is how affordable an annual policy is. We have many clients who just love to visit Mexico every year and know how valuable Mexican auto insurance is! Let us provide you with a quote or answer your questions. We truly look forward to the opportunity.

Our policies are very economical, offering Liability Only coverage on any street-legal vehicle while in Mexico. We’re often asked about what the policy would cover. Most include property damages, partial theft and vandalism as well as accident coverage, but your agents can give you more details. Give us a call at 480-626-0797 for more information and specific policy details.

Is It Worth To Invest in Umbrella Insurance?

Umbrella insurance refers to a policy that protects your assets when your homeowner’s or car insurance can no longer provide coverage. Such a scenario may seem unlikely, considering your most valued possessions are already taken care of. But despite this, a significant incident may arise, resulting in substantial expenses. INW Insurance Solutions explains why getting umbrella insurance is worth it.

Benefits of Getting Umbrella Insurance

One of the benefits of getting umbrella insurance is that it protects your assets from liability when your standard policy is exhausted. Numerous lawsuits often award compensation exceeding insurance covers, resulting in the impounding of assets to offset damages. Umbrella insurance safeguards you against this, providing coverage when needed.

Apart from protecting you from any financial setbacks, umbrella insurance also protects all members of your household from liability. This is, however, possible where they are included in your policy.

What Does Umbrella Insurance Cover?

Damage to Property

Damage to other people’s property is often covered under options such as auto and home insurance. If, however, you get into an accident within the Mesa, AZ area and damages exceed your limit cover, umbrella insurance will come in handy in covering the extra costs.

Lawsuits

If one of your guests gets injured in your residence, they can sue you for damages for medical bills or pain and suffering. If either of these exceeds your homeowner’s insurance, umbrella insurance helps you pay for all hospital bills and legal fees arising from your case.

Lawsuits can also arise where defamation claims result from slander or libel. Along with this, legal claims inclusive of fender bender faults and landlord liability follow suit, all of which are covered under umbrella insurance cover.

When Should You Consider Umbrella Insurance?

If you check any of the following boxes, you may occasionally face a liability claim or injury when someone pays a visit to your residence. Investing in umbrella insurance should be your next step.

  • If you own rental properties in Mesa, AZ
  • If you own a vehicle or a boat
  • If you are a public figure
  • If you own pets
  • If you own a pool or equipment such as trampolines
  • If you frequently host parties

No matter how big or small your assets, umbrella insurance is worth it. Let INW Insurance Solutions help you protect your assets against any unforeseen emergencies.

Updating Your RV Policy

You probably do your best to protect your recreational vehicle parked in Mesa, AZ. You carry insurance on it and provide it regular maintenance. Did you know that if you update your RV, you also need to update your insurance policy?

INW Insurance Solutions can consult with you on a policy update whenever needed. Read on to learn what actions create the need for an RV insurance policy update. Some of them might surprise you.

Interior Changes that Increase RV Value

When you renovate your RV with new flooring, counters, furniture, etc., your RV insurance requires a review for potential updates. You might only change out one item, like the dining table, but your new furniture could have cost significantly more than the original. It is not just about paneling. If you upgrade the appliances or plumbing, you also need a review.

You did more than give your RV’s interior a new look. You increased its value. Your insurance covers the original value though.

Exterior and Mechanical Changes that Increase RV Value

Other updates that require a policy review include updating the RV’s mechanical, especially its engine or its exterior. Adding a spoiler or luggage racks or bike racks, or other customizations can increase its value, whether your use OEM or aftermarket parts. 

Contact INW Insurance Solutions serving Mesa, AZ for more information on what changes to your RV would raise its value. We can meet with you to discuss your coverage and review your policy in person or via Zoom. Call us today for an appointment so you can keep your RV properly covered. We can help you get ready for a summer full of road trips.

Why Wedding Insurance is Worth It

Don’t let it rain on your wedding day. You’ve gotten all the details down from finding the perfect venue to say your vows to the dress of your dreams— but what about the things beyond your control? Even the most meticulous planning cannot prevent the groom from getting a cold, unreliable wedding vendors, extreme weather, or other accidents that force your wedding to be cancelled or postponed. This is why INW Insurance Solutions offers wedding and event insurance across 7 different states and locally here in Arizona including Mesa, Chandler, Gilbert, Queen Creek, and San Tan Valley.

Getting married is expensive. In 2019, the average cost of a wedding was $33,900. Wedding and event insurance from INW Insurance Solutions can help prevent you from being left at the altar with poor coverage that results in you losing hundreds or thousands of dollars. Our insurance experts can find comprehensive coverage that fits within your wedding budget.

For your wedding, you will have to consider a variety of factors. Are you getting married in your home’s backyard? Or out of state? Will there be alcohol served? Are loved ones helping pay for the wedding? Finding wedding insurance on your own can be an additional stressful and tiring step to add to your wedding planning. But we do the work for you. With our agent’s skills and care, we have found our customers discounts when they get both event liability insurance and event cancellation insurance.

Our agents shop nearly a dozen carriers because peace of mind on one of the most important days of your life is priceless. After all the time and dedication put into making your celebration perfect, it is important to prepare for the unexpected.

INW Insurance Solutions can do more than protect your home and cars. With wedding and event insurance, we can help protect your financial investments and commitments for special moments. Call our agents today to start discussing your event and discover the possible coverages that can protect your wedding against many unfortunate scenarios.

Why Boat Insurance is a Must

With boating and watercraft activities on the rise and more people flocking to the waterways to have fun, boat insurance is now important than ever before. Even though Arizona doesn’t require that boat owners carry insurance, it is still considered a best practice by many in the industry. Just as your home or car is an expensive purchase that you carry insurance on, so too is your boat. Failing to have insurance leaves you liable for a slew of potential damages to include being responsible for a third party’s injuries and medical payments if you are found at fault in an accident.

Additionally, if you are involved in an accident with another boat and neither party carries insurance then you are both on the hook for the total cost of the damages. However, if the other party is deemed at fault and you carry underinsured or uninsured coverage on your boat insurance policy then you won’t be responsible. Many boat owners have the false misconception that their homeowner’s insurance policy will cover their watercraft so you’ll want to have a separate policy for it. Although boat insurance is not required in Arizona, no one under the age of 12 is allowed to operate a vessel at greater than 8 MPH unless in an emergency situation.

If you are still on the fence about whether you need boat insurance or just want a second eye to review your existing policy, INW Insurance Solutions in Mesa, AZ can help. Our talented team of insurance experts will take the time to learn about your needs and customize a boat insurance policy that protects your financial interests and watercraft. Contact our office today for more information and we look forward to working with you!

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.

Save on Renters Insurance with Home Security & Protective Devices

Renting a house or apartment is a flexible, affordable option for many. Despite a large amount of people renting today, many renters are uninsured. Only 37% of renters had insurance, compared to 95% of homeowners who have home insurance. This statistic is a little troubling to your agents at INW Insurance Solutions because we know that renters insurance is meant to protect you and your items. Just because you’re renting your home doesn’t mean you’re safe from your valuable possessions being stolen in a burglary or damaged from severe weather. The other 63% of renters who do not have insurance are going to have to pay more when replacing their stolen or damaged valuables than they would have paid in buying insurance.

When You Need Renters Insurance

Renters insurance may not be required like most homeowners policies are, but they are extremely beneficial to have. Landlords may have insurance for the building, but this will not cover your personal belongings. Without renters insurance you would be responsible to replace your expensive electronics or clothing that have been stolen or damaged.

People may not realize how renters insurance works in a variety of situations to ensure you and your items are covered. It not just limited to protecting your items inside your home. Renters insurance can provide coverage for your items that are lost or damaged elsewhere such as in your car. Renters insurance could also provide coverage for additional living expenses in the event that your home is damaged in a covered loss. If someone is injured in your home or apartment and a lawsuit is thrown your way, renters insurance also offers liability coverage.

How to Save on Your Renters Policy

Renters insurance has a few extra perks, too. Live in a guarded or gated community? Have a fire extinguisher? Not only are these items essential for a safe home, they can end up saving you money, too! Our insurance carrier, Traveler’s, offers discounts for items you may already have installed in your house or apartment. If you have protective devices such as smoke detectors or alarms, interior sprinklers, or home security systems, you can save extra on your renters policy. Call INW Insurance Solutions today so we can go over your coverage and determine if your eligible for these discounts and more! As we review policies, we can also bundle other lines of insurance such as auto or umbrella to save you more on your renters insurance policy.

Keep your home safe with a great renters insurance policy from INW Insurance Solutions and protective devices. You don’t have to own the home you’re living in to have great protection for your possessions. And if your living situation changes or owning a home becomes a better option, INW Insurance Solutions also makes the transition from a renter’s insurance to a homeowner’s policy quick and easy! Call us today or visit our office in Mesa, AZ to discuss possible discounts on your renters insurance policy and more.

Get More Liability Coverage With Umbrella Insurance

Umbrella Coverage

We all need several types of insurance to be covered for the worst happening. However, simply having a home or auto insurance policy doesn’t mean that you have enough liability coverage. If you settled for the minimum insurance coverage that was required, chances are that you have little liability coverage. An umbrella insurance policy is a way to boost the amount of liability coverage you have for both home and auto insurance. If you’re interested in an umbrella policy, call us at INW Insurance Solutions in Mesa, AZ.

Liability Insurance

Your home and auto policies will each have some liability included in the, but consider how much you could owe if the worst should happen. In the case of accidents, lawsuits can be extremely costly. If you are found at fault for them, you could be out large sums due to medical bills alone. That’s where umbrella coverage comes in. It gives you extra liability protection for both your home and auto insurance policies. After those policies have paid out to their maximum, an umbrella policy then pays the rest, up to its maximum. This greatly increases the amount of liability protection you have. 

Why Get an Umbrella Policy?

Umbrella policies are inexpensive. They offer large coverage amounts for relatively little. If you were to increase the liability coverage you have in your home and auto policies, it could cost much more to do so than to get an umbrella policy. 

Get an Umbrella Policy

If you want greatly expanded liability coverage, call us at INW Insurance Solutions in Mesa, AZ for a talk with an insurance agent. You could be getting more coverage for your money and have the peace of mind it brings. 

Variables That Arizona Residents Should Think About While Researching RV Insurance

INW Insurance Solutions serves the Mesa, AZ community by offering residents multiple types of insurance policies. We are committed to helping our clients find coverage that suits their individual needs. As an independent insurance agency, we have established successful partnerships with several carriers throughout the Pacific Northwest.

RV Insurance Variables

Traveling around Mesa, AZ in an RV gives you the opportunity to enjoy different settings while still experiencing the comfort of home. RV insurance allows you to protect your vehicle while you are traveling around. RV insurance protects you if you are involved in a collision and your vehicle suffers damages. You’ll also be covered if your vehicle is vandalized or if your personal items inside of the RV are stolen. Here are some variables to consider while researching different policies.

The Type Of RV That You Have

Your policy may vary depending on the type of vehicle that you have. If you have a smaller RV, you may need a different type of coverage compared to if you have a larger RV. You will also have to consider whether you use the RV on a regular basis or if you only use it occasionally.

Getting Your RV Appraised

Having your RV appraised is a good idea to help determine its true value. This is important if you plan to renovate your RV in the future. You can amend your policy to cover any special accessories on your RV.

Storing Coverage

If you plan to store your RV during the winter or whenever you do not plan to use it, the policy will cover you. Accidents can happen at any time and you will have peace of mind in knowing that your RV will be covered if it is accidentally vandalized.

Consult With INW Insurance Solutions

For more information on RV insurance, visit our website today!