Month: June 2022

Owning a motorcycle is an exciting experience. The ultimate freedom of riding on an open-door adventure is unbelievable. But have you ever thought about the risks motorcycles pose? Even with safety gear in place, they might not help much in the case of an unthinkable event. Motorcycle insurance isn’t an option if you want to enjoy your bike.

To help you choose the right insurance, Alliance Insurance Services has prepared for the four critical areas of motorcycle insurance policies.

Liability coverage

Colorado requires that you carry liability coverage while on the road. Liability coverage pays for bodily injury and property damage to others when you are at fault for an accident.

Medical payments coverage

You never know when an accident can happen; the aftermath may require medical attention, including hospitalization, tests, or surgery. Medical payments pay medical expenses for you and your passengers following an accident.

Uninsured and underinsured coverage

Even if the law requires motorists to carry motorcycle insurance, people still disobey and ride without one. You are meant to foot your bill if you encounter such people on the road and cause an accident. So are those with inadequate coverage. That’s why you need uninsured or underinsured motorist coverage.

Comprehensive and collision coverage

Collision insurance covers damage incurred when your bike collides with a stationary object or another motor vehicle. Comprehensive coverage covers damage caused by non-collision perils like vandalism, fire, theft, natural disasters, or falling objects.

Motorcycle insurance in Arvada, CO

Because motorcycles don’t come cheap, it’s only wise that you get them insured. An accident’s aftermath can be devastating and even worse if you don’t have insurance coverage in place. Ready to purchase your motorcycle insurance in Arvada, CO, and its environs? Call us at Alliance Insurance Services for an affordable quote.

If you are like most Americans that like touring this beautiful country, a recreational vehicle is a worthwhile investment. But if you are using your RV seasonally, should you keep RV insurance year-round? Isn’t it expensive? If you feel you should cancel your RV insurance when not using it, think again. Alliance Insurance Services in Arvada, CO insists you maintain RV insurance throughout for the reasons below:

Some risks don’t have an off-season.

Since you aren’t using your RV on the road, we can assume that you are off the hook with the risk of collisions. However, dangers like fire, falling objects, vandalism, and natural disasters threaten your RV, even if it’s parked or in your garage. Since some risks are present all year through, the thought of canceling RV insurance shouldn’t be entertained.

It may be required

If a loan finances your RV purchase, one of the requirements could be that you maintain your RV insurance as long as the loan is outstanding. If you cancel your RV insurance, this may breach the contract with your lender.

It creates a gap in your policy.

Policyholders who cancel their insurance coverages halfway through may be considered high-risk clients. As such, they may get higher premiums when renewing their policies.

If you are not using your RV throughout, canceling your policy is never a good idea. What you can do is suspend coverage options that aren’t applicable. For instance, you may suspend collision and liability coverage and maintain comprehensive coverage to protect your RV against non-collision risks.

RV insurance in Arvada, CO 

Does RV insurance appeal to you? If yes, it’s time to get an affordable policy in Arvada, CO. Please contact Alliance Insurance Services for a no-obligation quote.