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.

Owning a motorcycle gives people the freedom to explore places in a completely different way.  Riding one gives you a sensation that only other motorcycle riders can experience.  As a rider, you understand the risks and responsibilities that go along with owning and riding a motorcycle.  Being a responsible rider means having your insurance up-to-date to protect your well being and the well being of others with whom you share the road. 

That being said, have you ever taken a ride with a passenger sharing the freedom with you?  Do you know if you have guest passenger liability coverage?  If you don’t then you are not completely protected.  In the event of an accident, you will be covered, your passenger may not.  Some liability coverages will have guest passenger coverage within it, but some won’t.  Check your current policy to see if your passengers are covered if you take them for a ride.  If it doesn’t, you will want to purchase extra insurance before you take any rides with a passenger.

Poliseek wants to make sure that you are safe when you ride, so we offer many different types of policies to fit your needs.  For more information on passenger liability coverage, please contact one of our specialists today.

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 the weather getting warmer, motorcycle riders are firing up their bikes and enjoying the first warm days of the year.  If you are one of these lucky riders to be hitting the streets, or exploring some of the backcountry on an off-road bike, before you do so, make sure that everything is working in proper order and that your motorcycle insurance coverage is up to date.

Motorcycle insurance covers the basics such as damage, rider injuries, and other parties involved in an accident.  Standard policies don’t usually cover additions to your bike.  Knowing this, you will want to check your policy if you have made any modifications to your bike.  If you add custom parts to your bike and don’t update your policy, your current policy may not cover these parts in the event that they are damaged or stolen.

Another key component you may want to add to your policy is guest passenger liability.  Some default policies will not cover a passenger in the event that you are both riding and your guest is injured.  If you ride with passengers, you will want to review your current policy to see if guests are covered. 

A very important coverage you may also want to think about is uninsured or underinsured motorist coverage.  PoliSeek offers specific policies for motorcycle riders for their protection.  This type of coverage will protect you in the event that you are in an accident and the other party does not have enough coverage to pay for your damages or medical expenses.

If you have any questions or need a free quote on motorcycle insurance contact PoliSeek Motorcycle Insurance representative today.

A deductible is an amount of money which, in the event of a covered loss, you are required to pay prior to the insurer being liable for any damages. The purpose of a deductible is to eliminate the expense of processing small claims.

Is it better to have a higher or a lower deductible?  This is a question that is often asked, and the answer can be different for everyone.  The answer boils down to the amount that you are willing to pay for your auto insurance policy, and the amount you are willing to pay out of pocket to repair your vehicle. 

Often, those that carry a low deductible live in a more congested area where the probability of an accident is much higher. Carrying a lower deductible can mean that you will have a higher premium for the overall plan.   You may want to elect to have a lower deductible if you have been in many accidents or live in an area where you are more likely to be involved in an accident, such as a large city. 

Carrying a higher deductible will result in having a lower premium for your policy.  Drivers may want to have a higher deductible if they have not been in an accident, or live in an area where being in an accident is less likely.  People who drive or live in rural areas may carry a higher deductible to reduce the overall cost of the premium.

When it comes to choosing which scenario to consider, you should review your past driving record and consult with an insurance professional.  For more information or to receive a free quote, please contact a PoliSeek Insurance specialist or call 866-540-7335.

Motorcycle insurance is often rated in a very similar way to auto insurance.  Factors taken into consideration are:

1) How often will you be riding the bike?

2) What type of bike is it?  (Premiums will be different if it is a sport bike or a cruiser, as they are with cars) 

3) Your driving history 

4) Will you be using the bike for transportation to work, and if so, how far is your work place from your home? 

Rates will be similar to car insurance, or often lower, and you should always consult your insurance company to be sure that you have the correct coverage for your riding style and needs.

In most states, having insurance for an off-road recreation vehicle is not required.  That being said, it is still a good idea to carry some sort of protection for yourself and your off-road vehicle.  If you were to get into an accident with your off-road vehicle and it was damaged and you were hurt, with no insurance, you would potentially be paying medical bills for parties involved and would incur out of pocket expenses to have your vehicle repaired or even replaced. 

Having the right off-road vehicle insurance can ensure you are protected in the event of an accident.  Off-road vehicles can include snowmobiles, dirt bikes, dune buggies, four wheelers and others.  For a more specific product offering, contact PoliSeek to get a quote that specifically meets your needs for motorcycle insurance, or off-road vehicle insurance.

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.