Month: February 2023

Owning a motorcycle comes with many responsibilities. Having the right gear, a license, and proper maintenance for your motorcycle is vital. One thing that is necessary for motorcycle owners is having the right bike insurance. Keep reading to find out what the benefits are of having motorcycle insurance.

Benefits of motorcycle insurance

Most states require it.

Many states require at least a minimum amount of liability insurance. Liability insurance covers the other party’s expenses if you are responsible for an accident. If you are caught driving your motorcycle without insurance, you could get into a lot of legal trouble. You could end up with huge fines or get your license suspended or taken away.

It saves your finances.

Motorcycle accidents can be expensive whether you are at fault or the other person is responsible. If you caused the accident and didn’t have insurance, you would be responsible for the other person’s medical and repair costs from your funds. You would also have to pay out of pocket for your medical and repair costs. Without insurance for your motorcycle, you might not have enough funds to cover the cost of even a minor accident, not to mention a more severe accident.

You are protected

There are different types of coverage that you can get on your policy. These include liability insurance, collision and comprehensive, and uninsured or underinsured coverage. Motorcycle coverage helps protect you and your assets after an accident has occurred.

Contact us

Although you can avoid a great majority of accidents, some accidents you cannot avoid. It is always a good idea to keep your motorcycle insured to avoid financial devastation in the event of an accident. Contact us at Alliance Insurance Services in Arvada, CO for more motorcycle insurance answers.

Owning an RV opens up a world of possibilities. But when you’re not using your RV, you may wonder if you must keep your insurance active while it’s in storage. The answer is yes! We get that question often at Alliance Insurance Services. Here’s how we explain it to our Arvada, CO customers.

Why You Need Insurance Even When Not on the Road 

When you own a recreational vehicle, it’s essential to ensure that your insurance policy protects you even when the RV isn’t in use. Here are four reasons why. 

• Theft & Vandalism: Even when stored in a secure lot or other location, theft, and vandalism can occur anytime, leaving you vulnerable if you don’t have the right coverage. An insurance policy will help protect against these financial losses.
• Comprehensive Coverage: Comprehensive coverage helps cover damage caused by non-collision events such as hail damage and other natural disasters. Even if your RV is parked in storage, comprehensive coverage can provide added protection for your peace of mind. 
• Fire Damage: Fires can happen anytime and anywhere, including storage lots and garages. A good RV insurance policy should include provisions for fire damage so that you’re not left financially responsible for any resulting repairs or replacements. 
• Liability Protection: If someone is injured while on your property, even if it’s only temporary storage space, then liability protection from an insurance policy could help cover the cost of medical bills and other expenses related to their injury.                 

At Alliance Insurance Services, we understand the importance of protecting your recreational vehicle—even when it’s safe in an Arvada, CO, storage facility. Contact our team today to learn more about our RV insurance policies and how they can work for you!