Monthly Archives: September 2014

What Does Motorcycle Insurance Cover in Elk River, MN?

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If you are an Elk River, MN resident who is planning to insure your motorcycle, you are probably wondering exactly what your new motorcycle insurance policy will cover. Actually, the answer can be different for every person since you have the ability to customize your insurance policy. However, there are several different basic coverage types that you will probably choose to include in your plan for the fullest coverage. Those include:

Liability Coverage

The law in Elk River, MN and all other areas in the state requires you to maintain liability insurance on your motorcycle. This coverage gives you protection in the event that you are the cause of an accident. The state does set minimum levels of liability coverage. For example, damage to one person must be insured in the amount of $30,000, damage to two people must be insured in the amount of $60,000, and you must also maintain property damage coverage for vehicle repairs in the amount of $10,000.

Underinsured and Uninsured Coverage

The law also requires MN residents to hold both underinsured and uninsured motorcycle coverage. Underinsured coverage takes over paying for damages you sustain if the other (at fault) driver doesn’t have enough insurance. This coverage must be maintained for $25,000 for one-person injures and $50,000 for two-person injuries.

The uninsured coverage will cover your medical damages if the driver responsible for the accident did not have insurance. This coverage must be held in the same amounts as the underinsured motorist coverage, $25,000 and $50,000.

You may also want to get other optional coverage types that protect your vehicle, namely comprehensive and collision. Collision coverage can pay for repairs to your vehicle in accidents while comprehensive is there to cover the damages that don’t happen on the road.

It is quite easy to get the best motorcycle insurance coverage for your budget by comparing insurance quotes with Pizano Insurance over the Internet in just minutes.

Does Home Insurance Policy Cover Smoke Damage in Minnesota?

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When a fire occurs and your house is damaged from the smoke, it may be necessary to file a claim with your home insurance provider. Although many policies will cover any damages that are related to a fire, including the damages from smoke, the exact details relating to the plan can vary.

Type of Policy

Before you assume that your insurance provider will pay for all of the damages to your property, look at the type of policy that you purchased. Be aware of the method of replacing or repairing the damages. Generally, insurance providers will either provide the replacement cost of the item or the market value based on depreciation rates.

The type of policy that you purchased can impact the amount that you receive after filing a claim and the details related to the damages that are covered.

Provide Appropriate Paperwork

Although you may be able to make a claim, it is important to file the appropriate paperwork. You may be asked to provide details related to the items that were damaged from the smoke. Furthermore, you will be asked to provide official reports and any details that are relevent to the situation.

Insurance providers can ask for a variety of documents, so make sure that you provide as many details as possible so that your claim will go through. The details that are required can vary between policies and insurers.

There are a variety of factors that contribute to making a claim on your homeowner’s policy, but most plans will protect against damages from smoke or fires. The exact amount of coverage that is available may vary based on the plan that you purchased. To learn more about filing a claim after a fire, contact us to talk to an agent today.

Can Insurance be Transferred to a New Car in Saint Michael, MN?

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When you buy a new car in Saint Michael, MN, you may need to make changes to your car insurance policy. Although the coverage that you carry may be appropriate, it is important to transfer the policy to the new car so that it is properly covered.

Contact the Insurance Provider

Before you take any steps to change the insurance, contact a representative of the insurance provider and ask about your options. You may decide that transferring the policy is not appropriate because you are still driving the old car or you may need to consider a new plan if the cost of your coverage increases with the new car.

Expect some changes based on the vehicle that you have purchased and the details of the situation. Generally, you can expect the rates to change slightly.

Provide Appropriate Data

After you trade the old car in, you are no longer required to carry any coverage for the vehicle. Explain the situation to a representative of the insurance provider and then provide the updated information.

The insurance company will need the new VIN number as well as details related to the make, model and year of the car. The new policy will be applied to the vehicle when all of the data is provided. Most insurance providers will either fax a new policy or allow you to print a temporary copy of the plan until the official documents are sent in the mail.

It is not hard to transfer the auto insurance policy that you maintain to a new car, but you will need to make sure that you have all of the details and paperwork in order before making the change. To learn more about your options, contact us today.

Compare Cheap Car Insurance Quotes in Albertville, MN

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Every insurance company claims that they have the lowest rates in town, but obviously, that can not be true. The only way that would happen is if there was a law that mandated that all insurance companies had to charge the same rates. In order for you to have confidence that you are really getting the lowest rate when you buy a policy in Albertville, MN, you need to get insurance quotes from a number of different providers.

You can not expect to get really cheap rates on a car insurance policy if you are categorized as a high-risk driver. The best you can hope for is to find a carrier that will not charge you an incredibly high premium because of some blemishes on your driving record. There are companies that cater to high-risk drivers and they are willing to charge less than other insurers in order to attract more business. If you have received points on your license, been involved in a recent at-fault accident, or had other transgressions on your driving record, getting multiple insurance quotes can save you a good deal of money.

Even if you have a spotless driving record and have never filed an insurance claim since you first got behind the wheel, the premium you are charged can be quite different, depending on the car insurance company you choose. Each insurer has their own way of assessing risk and calculating rates. Where one company may charge young drivers a higher rate than older drivers, another company may give discounts to members of the military.

Independent agents have a good idea of which auto insurance carriers offer the cheapest rates because that is their business. While they always get quotes, their experience and knowledge of the current market, is reassuring to clients who want the cheapest rates for the coverage they need.