Scooter or Moped Insurance Lakewood, WA

Do I Need Insurance on My Scooter or Moped?

Scooter or Moped Insurance Lakewood, WARiding a scooter or moped isn’t only fun, but you look great riding one. The benefits of using a scooter to get around aren’t only limited to fun, fuel economy and ease of parking. Insurance is cheap too!

There are many situations where you may wonder if you even need insurance on a moped – I mean, what is the worst that can happen, right? Well, the same risks that exist with driving a vehicle exist on scooters as well, so insurance is always required when riding one.

Here are three claims scenarios where having scooter or moped insurance policy would benefit you:

  1. You driving along with your scooter, it starts to rain and you lose control of your moped while going around a corner. While you fall off and manage to avoid injury, your scooter slides up onto the curb and hits a bystander. You would be liable for “failure to maintain control of your vehicle” and be liable for the injured parties medical bills. The same thing that happens in car accidents.
  2. You’re driving around a friend who is visiting you from out of town. The two of you pile onto your Vespa and cruise the town. After a stop at a pub, you think you’re okay to drive. On the way home, you’re driving and rear-end a stopped vehicle. You and your friend are injured and you’re now liable for your friend’s medical bills and potentially lost wages.
  3. You decide to take your moped on a cruise out to the countryside. Unbeknownst to you, you forget to fill up the tank and run out of gas in the middle of nowhere. Fortunately, you purchased a roadside assistance policy and call your insurance company for a fill-up.

Driving a scooter is fun and insuring one isn’t expensive when compared to an auto insurance policy. It is important not only for you to protect your financial future, but to protect those that are around you as well, including any passengers. Be smart, protect yourself with a scooter or moped insurance policy.

Liability Insurance for Dog Bite Claims Lakewood, WA

Be a Responsible Dog Owner – 7 Tips to Follow to Avoid a Liability Claim

Liability Insurance for Dog Bite Claims Lakewood, WAThere are few furry companions in this world who can bring joy to your life as much as a dog. For dog lovers, your pets are as much a part of the family as any other member of the family! Along with the incredible fun of dog ownership comes responsibilities. Here are some tips to help you avoid a dog liability claim.

  1. Understand Your Dog Breed

Dog breeds all seem to represent one personality or another. Some are known for being more aggressive than others, however, even small dogs can nip. When you’re searching for a dog, or perhaps you have one already, pick up a dog book and read about the idiosyncrasies that the breed has.

  1. If adopting, talk to the adoption or dog’s caretaker about its behavior.

Adopting a dog is a wonderful gesture and you’re doing a great thing for the pet. You’re taking it out of a shelter and bringing it into your loving home. When you adopt a dog, it is important to talk to the caretaker about the dog’s behavior, interaction with kids as well as other dogs and even cats.

  1. Socialize Your Pet

Socializing your dog from a young age with other animals, children or the elderly can help your dog behave well around these different age groups and animals. It can also curb their aggression towards other animals.

  1. Obedience Training

Even if your animal doesn’t exhibit aggression towards other animals, obedience training can be a great way to train your dog. Obedience training can include a variety of things from command training to behavior, agility and overall better obedience.

  1. Keep Your Dog On A Leash

Most cities & states have some leash laws. These laws vary and you should check with your local municipalities for rules and regulations. These laws typically exist to keep people and wildlife safe. If you’re in a National Park, or State Park, chances are obeying laws here will keep you from being fined. Some states go as far as to charge the owners with misdemeanors for having a dog off leash in State Parks. Regardless if you are in a State Park or walking your neighborhood, keeping your dog on a leash keeps you in charge of your dog.

  1. Avoid leaving your pet unattended & always watch your dog when around children

Pets left unattended can exhibit behaviors that are not typical. If your pet is new to you, never leave a pet with a child unattended. A child could unintentionally agitate the animal, step on its paws or something else that causes the animal to react. If you leave your animal in the vehicle, be sure it is restrained and can’t nip at someone as they walk past. It’s always good practice to keep a close eye on your dog when it’s around small children. If you are closely watching, you can monitor your dog’s behavior & step in if you feel it’s uncomfortable around children.

  1. Monitor Your Dog’s Behavior

If you’ve noticed a change in your dog’s behavior, you should have it looked at. A dog who is sick, in pain or other can become aggressive even when their history says otherwise.

Owning a pet is a joy. Be a responsible pet owner and keep an eye on your animal at all times. Even the best dogs can exhibit bad behavior if they’re put in the wrong situation. We hope that you and your pet always have a great time, but in the event that your pet does cause an injury and claim having the right home or renters insurance policy can help protect you from a lawsuit. Talk to an agent today about protecting yourself from pet caused injury related claims.

ATV Insurance Policy Lakewood, WA

Everything You Need to Know About ATV Insurance

ATV Insurance Policy Lakewood, WAFour-wheelers, ATVs, UTVs, side-by-sides and more are so much fun! Some are used for work purposes such as around the farm or hunting, but many are used purely as a recreational vehicle for weekend fun! Regardless of how you use your ATV, you may want to consider an ATV insurance policy. We answer the most common questions that come up both in our office and around the country in the claims departments regarding ATV insurance.

Doesn’t My Home Insurance Cover This?

If your ATV is used only on your property and never off, then likely your home insurance policy will provide some coverage. It is always best to check with your insurance agent on how much coverage and what circumstances are or are not covered.

Is ATV Insurance Expensive?

ATV insurance is very inexpensive when compared to an auto insurance policy. In fact, it can be under a dollar a day. Talk to your insurance agent for a free insurance quote.

Am I required to have it?

Typically no. Just because you own an ATV doesn’t mean you need to have insurance on it. However, if you use your ATV on state lands, parks or other public areas, it would be incredibly unwise to operate your vehicle there and many state lands and parks will require riders to have the vehicle insured and licensed for use in the parks.

What discounts are available?

The most common discount available would be a multi-policy discount for insuring other products with the same company. For instance, if your home and auto insurance is already with an insurance company, that same company may offer you a discount on your new product.

My ATV Is customized, is there coverage for that?

Custom parts and equipment can be added to most policies. Some policies will even include some customer parts and equipment into your base rate. If your ATV is customized it is important to keep up to date documentation of custom parts in the event of a claim.

If you’d like a quote on your ATV/UTV or side-by-side, give us a call. Our licensed staff can quickly and easily help you decide what coverage and options are right for your situation.

Boat Insurance Lakewood, WA

5 Most Common Boating Claims & Insurance to Cover Them

Boat Insurance Lakewood, WAAh, boating. Whether you enjoy taking your boat out for a ride, waterskiing or fishing, boats bring joy and relaxation. Like any vehicle, there comes risks with operating a boat and understanding your insurance coverage is crucial. While having a conversation with your local insurance agent can clarify any of your questions, we’ll share the five most common boating claims and the insurance that can cover it.

But first, you may want to know what some boat insurance coverages are. Coverages may include collision, property damage, liability, towing and assistance and comprehensive coverage. If you have a small watercraft, talk to your agent to see if your home insurance provides any coverage and if that makes sense for your situation.

Boat insurance cost varies for each individual such as your boat’s value, size, year, how you plan to use it and how much insurance coverage you want.

5 Common Boating Claims

Injury – Need Bodily Injury Liability Coverage

Injuries on the water are common.  If you caused somebody to get hurt in another boat or one of your passengers were injured, there are insurance coverage options. Bodily injury liability can cover medical bills, lost income, pain & suffering and legal expenses. Be sure you know how much you are covered for. Also, if you plan to use your boat for waterskiing or wakeboarding, talk to your agent about the specifics of your coverage for passengers if they were to get hurt while skiing.

How to lower your risk for a boating insurance injury:

  • Take a boating safety class.
  • Always have a life jacket for everyone on the boat. Be sure they fit the proper requirements.
  • Be a defensive driver. Always be aware of your surroundings when driving your boat.
  • Never drink and drive.

Hitting an underwater object – Need Collision Insurance Coverage

This potentially could cause major damage to your boat. Many boat claims come from hitting a rock or other submerged object you can’t see in the water.

How to lower your risk:

  • If your boat has a depth sounder, always pay attention to it while driving.
  • Follow the proper path for marked channels & be aware of water hazard markers.

Theft or Vandalized– Need Comprehensive Insurance Coverage

Comprehensive coverage will cover if your boat is stolen. It may or may not cover the items inside your boat. Talk to your agent about the details of your insurance policy.

Weather Damage – Check with Your Local Agent

Depending on where you plan to boat, there are always chances of a wind storm, lightning or hurricane. Speak with your agent to know if your boat is covered from any storm damage, as well as flood damage.

Accident with another boat or object– Need Collision Coverage

This may be covered with your standard boat insurance policy. Talk with your local insurance agent to go over specific scenarios where coverage may vary.

Many additional boat insurance options exist. We have policies that will cover your personal items while on the water such as fishing equipment and wakeboards. Want to be sure you get the right boat insurance policy? Call our licensed agents at Insurance Unlimited. We’ll find ways to save you money & help explain your insurance coverage so you know exactly what you are covered for.

Auto Insurance Options Lakewood, WA

Should I Have Collision & Comprehensive Insurance on My Auto Policy?

Auto Insurance Options Lakewood, WAWhether you are searching for car insurance, shopping for a lower car insurance rate or just need a new plan, you’ve come to the right insurance agency.

Our agents will shop to find the best insurance rate & coverage for your specific needs. Plus, we can search for many discounts, particularly if you are bundling multiple policies like an auto & home or renters insurance together.

When it comes to shopping for car insurance, there are many options for coverage. You could get the bare minimum for car insurance or you could have full coverage for your policy. Each state varies with what is required for minimum car insurance coverage but the minimum will include bodily injury liability & property damage coverage, it is up to you to decide how much of it.

What about collision & comprehensive coverage for your auto insurance policy?

Collision insurance coverage will cover your vehicle if it is damaged when it collides with something. Examples: colliding into another vehicle, a tree or a guard rail. Your insurance coverage will pay for repairs or even replacement of your vehicle in the event of a total loss.

Comprehensive insurance coverage covers most other damages besides collision that could happen to your vehicle. Example: your car catches on fire, something falls on your car like a tree, collisions with an animal, your car gets vandalized or you experience car theft. There are a few exclusions, so be sure to discuss with your agent what those might be.

When it comes to deciding if this coverage is worth it, a few things to ask yourself:

  • If I didn’t have this coverage, do I have the finances to pay out of pocket for the repairs or replacement of my vehicle?
  • Do I have a loan? If so, comprehensive and collision coverage will be required by your finance company.
  • How valuable is my car? Would it be possible to replace your car if you didn’t have the insurance to pay for it?
  • Do I live in an area where car theft is common?

It is important to understand that all coverage and policy questions are specific to the policy that you purchase. This article has been provided to help you understand how insurance works and does not imply every policy is the same or that coverage will exist. If you have more questions about your auto insurance policy talk to one of the licensed agents at Insurance Unlimited. We understand that insurance can be confusing, so we always want to make sure you fully understand what you are or are not covered for.

How to lower your risk for identity theft in Lakewood, WA

Protecting Yourself Against Identity Theft – Tips When Shopping Online

How to lower your risk for identity theft in Lakewood, WACheck if the website it secure.

A simple way to check is to look for the lock symbol in the left corner of the search browser. Any website where you are putting in your credit card information or personal information should have this.

If shopping online, are you using websites you are familiar with?

While Googling something like “Best DSLR camera” is fine, when it comes to making a purchase, it should be from a reputable company. Watch out for paid advertisements from unknown sellers.  If you’re unfamiliar with the company, you could even Google the company to see what comes up. You may learn they have poor reviews. This could save you a headache. It could also be the opposite where it’s a new company & have helped hundreds of people. Regardless, buy from a reputable company or do your research first. Shopping local is always a good bet.

Never click on links in your email from an unknown person.

Many times your email will sift through the “junk mail” and place it directly in your junk folder. Other times, scammers will try to be tricky by sending email from familiar names of either a person you know or a known institution. Always look at the email address from the sender. Most likely it’s a fake email address. If a link is included in the email, never click on it.

Other tips:

Check your bank statements every month.

Your bank can do a great job monitoring and may even catch fraudulent charges before they happen. However, it’s important to check your bank statements every month to ensure every charge is correct.

Reach out to your insurance agent.

While your banking institutions and credit card issuers do offer some protection against fraudulent charges to your accounts, did you know that your homeowner’s insurance or renter’s insurance plan may offer additional protection if your identity is stolen? In addition to your own diligence, your homeowners, condo or renters insurance policies can offer some extra protection. For a small yearly fee (typically less than $40 per year) your insurance policy may cover expenses related to court fees, loan reapplication fees (if denied due to identity theft), notary fees and more. Some insurance plans may also include access to an identity theft counselor, someone to assist with reporting fraudulent activity and to act as a liaison to the major credit report bureaus on your behalf. Identity theft plans will vary by carrier and state, so be sure to ask your agent about plans available.

If you have questions about your home, condo or renters insurance, contact Insurance Unlimited. Our agents can review your current coverage or provide a quote on a new insurance policy. Contact us today!

Auto Insurance Lakewood, WA

Steps to Take For Lower Your Auto Insurance Premiums

Car Insurance Lakewood, WAWhen it comes to insurance, most people think of how they can save money first. We get it, insurance can be expensive! You want good coverage, but at an affordable cost. Being a local insurance agency, we provide many choices since we represent many top insurance carriers. Here are some tips when it comes to saving money on your car insurance.

Shopping for a new car? Consider shopping insurance first.

If you have a few cars in mind when shopping for a new vehicle, consider reaching out to your insurance agent to compare possible insurance cost between the vehicles. The rough estimate of insurance cost every year could sway which car you decide on.

Save when you bundle.

Insurance carriers tend to give great discounts when you bundle your auto insurance with your home/renters/other lines of insurance. Need to insure several vehicles? Multi-policy discounts could earn you some substantial savings. Ask your agent!

Don’t drive much? Seek a low mileage discount.

If you drive less than 10,000 miles a year, ask your agent if you qualify for a discount.

Choose a higher deductible.

If your finances allow you to pay a higher deductible in the event you have a claim, you could save money by making this switch.

Ask your agent about other discounts. Do you qualify for any?

  • Paying your insurance coverage in full
  • Paperless option
  • Safe driver (accident free)
  • Electric or hybrid vehicle owner
  • Great credit score
  • Good student
  • Higher education
  • Advance quote

Did you experience a higher premium at renewal?

Reach out to your agent and ask to get a re-quoted on your policy. Since we can quote many top-rated insurance carriers, you can likely get same or similar coverage with a new carrier to save money. Life changes, so can your insurance company – but you don’t need to change your agent.

We do like to note that sometimes loyalty to the same company for 3+ years can be beneficial too. Over time, you could earn yourself a discount for every loyalty milestone you hit. Typically these rewards not only include a discount on the cost of your policy, they can sometimes include accident forgiveness!

If you have questions about your auto insurance, reach out to Insurance Unlimited. Our goal is to ensure you have the proper coverage.

Insurance options for food delivery service in Lakewood, WA

My Child Is Delivering Food With Their Car. Do I Need to Share This With My Insurance Agent?

Insurance options for food delivery service in Lakewood, WAIt is great that your child has a job and is earning their own money. The modern world of convenience is offering us many new ways to get food and almost instant retail deliveries, but what you should know is that your standard auto insurance policy likely does not cover you for delivery type services.

Regardless of what you deliver, a personal auto insurance policy doesn’t provide coverage for paid delivery drivers. For this, you need a commercial auto policy.

A commercial auto insurance policy is needed for:

  1. Freight delivery
  2. Food delivery services
  3. Courier delivery services
  4. & many more!

Some people think that simply not telling their insurance company means they won’t be able to charge them the extra premium and that they will pay the loss. Don’t kid yourself. Simply not telling your insurance company that you or your child is using their vehicle for delivery does not mean they will cover you when a loss occurs using the vehicle. In fact, when it comes to insurance, it is a black and white coverage decision. Either there is coverage or there isn’t.

When deciding what coverage you need, ask yourself these questions:

  1. Who owns the vehicle you’re using for delivery? If it is owned by the company, they probably have a commercial policy. If you own it, you need to carry the right insurance.
  2. How are you using this vehicle? Delivery drivers need a commercial insurance policy.

Your best bet is to talk to a licensed agents in our office to discuss your insurance needs. Remember, simply not telling your agent or your company that you or your child is using the vehicle for delivery doesn’t mean you’ll be provided coverage regardless of any auto insurance claim you have to deal with. Contact us if you have questions or need an insurance review.

Signs It May Be Time For New Tires in Lakewood, WA

5 Telltale Signs It May Be Time For New Tires

Signs It May Be Time For New Tires in Lakewood, WAWhen it comes to vehicle safety, few things are as important as your tires and you should regularly inspect them to ensure they’re in good shape before taking your car out on the road. Tire safety is much more than just tire pressure. Familiarize yourself with these 5 signs that your tires may need to be replaced.

  1. They’re Bald – This is the most obvious, but often time the most overlooked safety hazard. Bald tires can cause hydroplaning, decreased stopping ability and are much more susceptible to flats from road hazards. Any tire shop will happily measure your tread depth. Additionally, your tires are equipped with a Tread Wear indicator that you can easily see yourself. This is a piece of tire that runs perpendicular to your tire tread. If you’ve reached this depth, you’re tires are not safe to drive on.
  2. Cracks – Aged tires, or tires that sit for long periods of times like on travel trailers or utility trailers can develop cracks in the tread. Look carefully in between your tire tread to see if your tires have cracks. If they do, they’re more susceptible to a blow out and should be replaced.
  3. Gouge in Sidewall – We’ve all hit a curb or a big pothole. If you’re inspecting your tires and find a gouge in your sidewall, the tire should be replaced. Sidewalls are thinner than the tread area of your tire and cannot be repaired.
  4. Uneven wear – A vehicle this isn’t properly aligned can cause the tires to wear unevenly which can cause your vehicle to pull in one direction or another. When inspecting your tires, be sure that they are wearing evenly. Additionally, you should align your vehicle every 30,000 miles or so.
  5. You’re driving on a spare – Never drive on a spare tire longer than it takes to get to a safe location. Spare tires are meant to be used for short periods of time and are not intended to be used for regular driving. If you’re driving on a spare tire, get to a tire shop to get a real replacement tire.

Driving can be dangerous, but even more so if you’re driving on tires that are not fit for the road. By inspecting your vehicles tires regularly, you can avoid an accident, hydroplane or another potentially dangerous situation.

Your safety is our top priority and getting you the right insurance is part of that. If you have questions about your auto or other vehicle insurance, contact our agency. We can review your current policy or provide an insurance quote.

Full Coverage Auto Insurance in Lakewood, WA

What is “Full Coverage” Auto Insurance?

Full Coverage Auto Insurance in Lakewood, WAFull coverage has different meanings to different people. When most people refer to full coverage they’re referring to a mix of insurance coverages to protect their vehicle.  That being said, there is no such thing as “full coverage” just a combination of coverage options that will protect your vehicle as well as others on the road. Let’s look at this closer.

Some coverages such as Bodily Injury and Property Damage (also known as liability insurance) are required by law.  You can choose just how much liability insurance to carry, but at a minimum, this is required by your state law in order to drive your vehicle.

Other coverages such as Collision, Comprehensive, Personal Injury (PIP), MedPay, Roadside Assistance, Rental Reimbursement, and Uninsured/Underinsured Motorist (UM/UIM) are optional coverages in most states. Some states do have laws that also require UM/UIM and PIP/MedPay be purchased.

So, the choice really becomes, “How much insurance do you want?” Deciding on how much insurance you want or need is a combination of factors that only you can decide. A licensed insurance agent can help you decide on what options may be best for your situation, your budget and your needs, but ultimately, the choice is yours to decide.

Contact Insurance Unlimited for an auto insurance quote or a review of your current policy. We strive to make sure all of our clients have the proper coverage for their needs.