Almost every state in the country has some form of helmet law. In Wayzata, MN, a partial helmet law is in place that requires riders under the age of 16 and those with only their permit to wear a DOT approved helmet while on the road. The agents at Pizano Insurance are well-versed in the helmet laws for the state and can answer any questions you may have concerning your insurance or the use of your helmet.

DOT Approved

All helmets must be DOT approved in order to be legal on America’s highways. The Department of Transportation has developed strict guidelines that each helmet must meet in both their construction and durability. Helmets are repeatedly tested to ensure they can withstand hard impacts, skidding, and other events that could take the life of the motorcyclist. Once the helmet has passed these rigorous tests, a DOT Approved sticker will be placed on the back.

Maintaining A Strict Standard

The DOT’s testing requirements were put in place to help maintain a strict standard. Not all helmets are manufactured in the same way or made with the highest quality materials. This is why all helmets are tested and approved to ensure their durability and construction meet or exceeds these strict standards.

When you have questions about a helmet or the helmet law in the state of Minnesota call the agents of Pizano Insurance. They serve residents throughout the Wayzata, MN area and beyond. Schedule your appointment today to make sure that you have the right insurance for your needs. If you need help finding a new helmet or have questions about replacing your old one, they can help you find the answers you need!

Umbrella insurance offers additional protection on top of your regular homeowner’s or auto insurance plan. Ideal if you’re at an above average risk for lawsuits or high medical costs, an umbrella policy helps you pay less or nothing if you’re involved in an extremely expensive accident.

Learn more about how an umbrella insurance policy benefits you and your family by contacting Pizano Insurance, a reputable business that assists Wayzata, MN and surrounding areas.

Umbrella Insurance Coverage

Umbrella coverage pays if you’re found liable for damages or have to pay for legal defense for a lawsuit—even if you’re not at fault. Once your basic liability coverage is exhausted, the umbrella policy pays the rest up to the limit of your coverage.

Importance of Umbrella Insurance

If you’re sued, your house, car, bank accounts, and future income may be at risk to pay the costs. Protect your most important assets with additional coverage to avoid financial ruin.

How to Choose Coverage Limits

Consider your risks as a renter or a homeowner. If you own a pool or trampoline and your kids’ friends are injured during a birthday party or other event, you could be sued for their medical expenses.

Also, consider the worth of your assets. The greater your assets, the higher your coverage limits should be in order to protect everything you’ve worked to accumulate.

Your future income needs to come into consideration, too. Even if you don’t have many assets, your future earnings are at risk, so your limits should be high enough to prevent having to give away your earnings for months or years.

If you live near the Wayzata, MN area, find out exactly how an umbrella insurance policy reduces your personal liability by getting in touch with a professional from Pizano Insurance who can go into detail about the specific coverage requirements that you need.