Month: June 2021

You don’t need to spend money on flight bookings, choosing hotels or lining up for car rentals when you own an RV. However, despite the convenience, RVers encounter many challenges that are unique to life on the roads. With that in mind, Alliance Insurance services recommend carrying specialized RV insurance to protect you within and beyond Arvada, CO. So, which coverages should you be eyeing when buying RV insurance? Here are a few options to get you started. 

Liability: You need property damage liability and bodily injury liability whether you’re using your regular car or driving a motorhome. Most states mandate that all motorists carry liability coverage as a form of financial responsibility. It helps cover damages or injuries that you cause on other people in case of an RV accident.

Uninsured/underinsured motorist: Ever thought what would happen if you were hit by an uninsured motorist? And what if they’re unable to repair the damages on your RV or pay your medical bills? You never know, so get yourself uninsured/underinsured motorist coverage to protect yourself and your investment.

Personal injury protection: This coverage helps pay medical expenses for you, your family or friends in case of a crash with your RV. It doesn’t matter who is at fault. 

Total loss replacement: If your RV is totaled within the first five years, your insurance company should replace it with a brand-new RV that is similar or almost similar to what you had. If you decide not to replace the RV, your insurance company can compensate you with the original price.

Roadside assistance: At some point in your tour, you may need roadside assistance to check, tow, or repair your RV. Most insurance providers provide towing services to help you get the vehicle to the nearest repair facility.

Personal effects replacement: If you’re a long-distance traveler, you probably carry the majority of your valuables in your RV. If they are lost, stolen or damaged, this coverage helps replace them.

Need help choosing coverages for your RV in Arvada, CO? You are in the right place because Alliance Insurance Services can help you purchase and choose RV coverages based on your travel needs and budget. Call us today!

Thousands of Americans are killed on the roads in motorcycle accidents every year, and tens of thousands more are injured. Motorcycle accidents are not just deadly, they are also costly. At Alliance Insurance Services serving Arvada, CO, we want you to stay safe and be protected when accidents happen. Protect yourself on the road, and with your Colorado motorcycle insurance rates, by maintaining safe driving conditions at all times. Avoid these common causes of motorcycle accidents and stay safe on the roads.

Drinking and Driving

The need to stay sober and safe is not new information to anybody. Drinking and driving causes fatalities on America’s roads every year. When a motorcycle accident occurs as a result, the injuries could impair your quality of life forever. Drinking and driving is frequently listed as the top leading cause of motorcycle accidents.

The consequences of driving while drunk are not just safety-related. You could lose your license, face heavy fines, or experience significant motorcycle insurance hikes if you have an accident when you drink and drive.

Left Turning Vehicles

When another vehicle makes a left turn, it can pose a danger to motorcyclists. These vehicles often turn directly in the path of the biker, not knowing they are even there. There is nothing you can do to avoid this, as you can’t control what other drivers do.

Maintain a safe distance in heavy traffic, and try to stay away from the lanes that left turns drive into. Try to anticipate other drivers more than usual when there are left turn obstacles in the way.

Lane Splitting

Lane splitting is another leading cause of motorcycle accidents. This practice of riders is not legal in Colorado, but it is legal in some other states. Lane splitting occurs when a rider tries to save time on the roads by driving in between the lanes of slow traffic.
 
This often puts motorcycle drivers in the blind spot of other drivers, and serious accidents are the result.

Get a Quote for Colorado Motorcycle Insurance

At Alliance Insurance Services serving Arvada, CO, we want you to feel safe when you are driving your motorcycle. Contact us today for a quote for motorcycle insurance to make sure you are protected on the roads.