Car accidents happen. The probability of you being involved in some sort of driving accident within a period of a few years is very high. So, if you get into that situation and you feel that you were not responsible for the incident, keep in mind that the person who is “at fault” is determined by the authorities, not by you. Even if you didn’t claim liability for the accident and you plead with the police, generally the person who receives the ticket will be the person considered to be “at fault”.

Depending on your state’s laws and the circumstances surrounding the accident, the “at fault” factor is often the most important one in determining the amount of compensation you may receive or the amount of money you will have to pay after an accident. Even though it may have been “cut and dry” as to who was responsible, an insurance company would still have to determine how much you or the other party was “at fault”.

If you want to be totally sure of who is responsible for the accident in question, you should always perform your due diligence and request a copy of the police report from the traffic division of the police department. You never know, but the police officer who wrote the report could have mentioned some infraction that the other party committed and therefore could help you in your case. Keep in mind that every insurance company has its own policies, so you should always take note of your specific coverage to see what kind of recourse you have when it comes to any change in premiums. You should also check your state laws for any support in your case. Remember, you can never strengthen your side of the story too much; try to get that “official” support for your argument.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

First and foremost, when talking about auto insurance, what is a toy hauler and what is a toy? A toy hauler is a recreational vehicle (or RV) that has a ramp door on the back and cargo space to load motorcycles, ATVs or other “toys” inside. If your toy hauler is covered under your RV insurance policy, does this mean that your toys are covered as well? It’s possible that while inside of the toy hauler, your toys may not be covered at all. So how do you go about making certain all of your property is protected?

Check with your auto insurance agent. You should never make the mistake of assuming that the contents of your toy hauler are fully insured when inside the hauler. Your RV insurance policy may have limits on the loss of contents. It might also not provide coverage in the event of theft. So while the toy hauler may be covered, the ATV or motorcycle that was inside might not be so fortunate. Always check with your auto insurance company to find out the extent of your policy.

Additionally, you should check with your auto insurance company to make sure that your toy hauler is covered for fire. As your toy hauler will be carrying cargo with onboard fuel tanks –your toys have their own fuel tanks – there is an added risk of fire. You should make absolutely sure that your auto insurance agent or company is aware of this. You would not want to have a claim denied because your auto insurance company wasn’t aware of the contents of your toy hauler.

It’s good to remember that your toy hauler necessitates its own specialized protection. It’s better to check with your auto insurance agent before your vacation to make sure that you have additional coverage against theft, fuel-related fire, and more.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

With summer right around the corner, many people will be dusting off their motorcycles for some great riding. While you never forget to ride, now might be a great time to refresh your skills by enrolling in a motorcycle training course. A training course can teach you how to be a defensive rider, keeping you safer on the road and it can also save you money on your motorcycle insurance. Some companies offer a premium discount of 5-10% or even more.

Courses range from the basics and refreshers to learning the most advanced defensive riding techniques. Some programs will even provide you with their own motorcycle to train on. These training courses are even great for those thinking about buying a motorcycle, but have not yet purchased one. Each course is in a safe and closed environment and taught by professional instructors. You will ride away from these courses with more skills to navigate the roads and you will also be introduced to other riders in your area.

Upon the completion of these courses, check with your insurance company to see if you are eligible for a discount on your policy. Keeping up with motorcycle safety can make you a better rider and save you money. For more information on motorcycle insurance, please contact a PoliSeek agent about our policies.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.