Spring is almost here. There is nothing better than hitting the open road in your RV. Don’t forget you need the right kind of RV insurance to protect you. That is where we can help you. Many State laws require you to maintain liability coverage on your vehicle. Here is a schedule of insurance coverage you might consider:
Auto Liability coverage, also known as “property damage/bodily injury”, can help cover expenses from damaging a vehicle or injuring a person in an accident.
Collision coverage helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be required if your vehicle is financed or leased.
Comprehensive insurance helps pay for damage to your vehicle not caused by collision. Examples include damage or loss due to theft, vandalism, falling objects, fire, storms, and flood.
Uninsured or underinsured coverage
This coverage helps pay for repairs if your RV is damaged in an accident by an underinsured, uninsured, or unidentified driver. It also helps pay medical costs.
Medical payments coverage
Medical payments coverage helps pay medical costs for you and your passengers in the event of an accident, regardless of who is at fault.
Rental reimbursement coverage
This coverage helps pay for your rental car or other transportation if the RV cannot be driven due to an at-fault accident or comprehensive claim. This is really important especially if you are out of town.
Towing and labor coverage
Towing and labor coverage reimburses you for towing charges if an insured vehicle is disabled. It also covers on-site assistance, such as battery jump-start, tire change, and locksmith services. We recommend this on all recreation vehicles.
At Kohler & Green Insurance, we can design a specialized package according to your property, liability, and casualty needs. We are also proactive in identifying any factors that may increase your premiums or change your risk, and provide consulting and risk management options to protect your business. We are ready to help you better understand your risks. Please call our office today.
Many of us love to ride the Arkansas highways on our motorcycles. Taking a ride with family and friends on a fresh crisp weekend is pure joy. Providing Motorcycle Insurance is what we do.
All motorcycles on the road are required by law to have motorcycle insurance. Motorcycle insurance protects a motorcycle and its owner in the event of a loss. The term motorcycle policy encompasses motorcycles, scooters, mopeds, snowmobiles, ATVs, and golf carts
But as we all know, safety must be a primary concern. Here are a few tips:
Have a great time on your bike, be safe and call us with any questions. Kohler and Green represents many fine motorcycle companies including Progressive, Formost, American Modern and Dairyland. Call us today for a quote!
When was the last time you reviewed your insurance coverage? The start of a New Year is a great time to review your personal insurance. Most of us know that major life events can make it necessary to update our insurance coverage. But did you know that even subtle changes can have an impact on your financial needs and plans? Call our office today, and we can help you find the right combination of coverage and price.
Insurance “To Do” List
· Review my insurance to make sure I have the right coverage
· Take the time to read my insurance policies
· Consider increasing my umbrella coverage
· Check my credit score
· Get a quote for earthquake insurance
· Consider an alarm system
· Clean my gutters
· Have I replaced all the batteries in my smoke detectors?
· Does my independent agent have all my correct information, including new phone number, address, and newly purchased property?
· Consider increasing my auto deductibles on my older vehicles
· Make sure I have identity theft insurance
· Combine my auto and home insurance to save money
· Complete a home inventory to ensure my property values are correct
· Do I have enough life insurance?
· Do I need life insurance for my spouse?
· Have there been any of the following changes in my life situations?
o Bought a new car or sold a car
o Changed your marital status
o Bought a boat, RV or ATV
o Change of address
o Welcomed a new baby into the family
o Major inheritance
o Have a new teen driver in the family
o New purchase of guns, jewelry or art
o Child headed off to college
o Child over the age of 26
o Purchased second home
o Plan foreign travel
o Started a home based business
o I now drive my personal car for work
Please call our office today if you need to make any changes in your insurance program.
Automobile accidents happen every day. That is one reason you should have Arkansas auto insurance through Kohler & Green Insurance. Although no one wants to experience an auto accident, knowing what to do in case one happens to you could soften the impact on your life in the days and weeks to follow. You purchase Arkansas auto insurance to help you through accidents, if and when, they happen. Here are a few suggestions to help you:
At the Scene
The first priority is to check for injuries at the scene. Call for medical help if anyone at the scene is injured. Notify the police as soon as possible.
Obtain the names, addresses, and telephone numbers of all persons involved, including passengers and witnesses. It is a good idea to look at drivers licenses. Record the license plate numbers of all cars involved. Get complete Insurance information, including policy numbers. Having the agents name and number is also beneficial.
Never admit an accident was your fault, even if you think it was. An apology can be construed as an admission of fault. Let the authorities determine who was responsible. Auto accidents can be disorienting even if you are not physically injured. You may not be aware of all factors leading up to the crash.
Contact your insurance company as soon as possible, even if damages are minor.
In some cases you also must report the accident to the DVM.
You have the right take your car to the repair shop of your choice. It can be beneficial to get two quotes as pricing and quality vary.
Use your smart phone to take pictures before vehicles are moved. It provides documentation.
It is that time of year when many of us give that special person in our lives a gift that they will enjoy year round. Valentine’s gifts typically include watches, jewelry, art, cameras and other valuable items.
CNN reports that Valentine’s gift spending will reach $18.6 billion dollars this year. $4.4 billion dollars will be spent on jewelry alone. Other interesting Valentine’s Day facts:
· 151 million -- The approximate number of cards that are exchanged on Valentine's Day.
Whatever you may do this year, if you purchase an expensive item for that special person, make sure you get it insured. Most homeowners or renters insurance policies restrict coverage for items like jewelry to $1,000 dollars. In addition, most policies cover named perils for fire and theft, etc.; however, they may exclude coverage for the ring that gets flushed down the toilet; that is unless the expensive item is scheduled. To cover such circumstances that the insurance industry has dubbed “mysterious disappearance”, you will need a valuable articles personal property endorsement on your homeowners or renters policy.
Our homeowners and renters insurance can provide many benefits including:
· Additional Living Expense -This coverage pays for the extra, above normal costs of expenses such as food and lodging incurred while the policyholder’s home is being repaired.
· Extended Replacement Cost - Provides additional coverage up to 150% of the dwelling’s policy limits to rebuild your home in the event you suffer a covered loss.
· Personal Liability Protection- Pays for bodily injury or property damage caused to others as a result of a covered incident.
· Identity Theft Protection - Pays for expenses you incur as a result of criminal identity theft.
Call us today. We can provide you will the right combination of coverage, and price, followed up with outstanding service.