Common Motorcycle Insurance Myths Las Vegas Residents Should Avoid While Researching Policies

All Nevada Insurance Inc. assists the Las Vegas, NV community through offering residents insurance coverage. We strive to offer our clients coverage that allows them to protect their assets both now and well into the future.

Motorcycle Insurance

During the warm summer season, many residents enjoy riding their motorcycles through Las Vegas, NV, and into the desert. While you are enjoying all of the scenery on your motorcycle, it’s important that you have some protection. Motorcycle insurance gives you a layer of security. You will be covered in the event that you are involved in an accident. You’ll also be covered if your motorcycle is stolen. While you are researching different motorcycle insurance policies, avoid some of these common myths.

You Can Add Coverage To One Of Your Other Policies

This is incorrect. The only way to ensure that your motorcycle is fully covered is through a motorcycle insurance policy. You will not be able to amend your coverage in another policy to protect you in the event that your motorcycle is damaged.

I Don’t Need Coverage During Cold Seasons

While you may not ride your motorcycle during the winter and early spring, accidents can happen while you are keeping your motorcycle in storage. Perhaps a falling object lands on your motorcycle and damages it. Your policy will cover these unfortunate circumstances.

If I Let Someone Else Borrow My Motorcycle I’m Not Responsible If Anything Happens

This is incorrect. The majority of policies outline that you are responsible in the event that someone is riding your motorcycle and gets involved in an accident. Do not assume that your friend’s coverage takes the place of yours while they are operating your motorcycle. Research your policy thoroughly for further clarification.

Consult With All Nevada Insurance Inc.

For more information on different motorcycle insurance coverage options, please visit our website.

What are the benefits of a Las Vegas classic car insurance policy?

Anyone that is looking to purchase a classic car in the Las Vegas, NV area needs to make sure that they get an adequate insurance policy. Since a classic car is a unique form of vehicle, you should get a policy that properly reflects this. A great type of insurance policy to get in these situations is a classic car insurance policy. 

Provides Coverage for Collectible Value

The main reason to get classic car insurance as opposed to normal insurance coverage for your classic car is that it will give you the coverage that will protect the collectible value of your car. A classic car can be extremely valuable and expensive to repair or replace. When you get a classic car insurance policy, you can negotiate with the provider to ensure that your vehicle’s collectible value is properly accounted for when it comes to policy coverage.

Policy Reflects Liability Risk

Anyone that wants to drive any type of vehicle in Nevada needs to have liability insurance. When you have a classic car, you likely will drive very little each year, which means that your liability risk is quite low. With a full classic car insurance policy, you can receive a liability policy that properly reflects your driving habits and history. 

If you are a classic car owner in the Las Vegas, NV area, you will want to make sure that you get an insurance policy that properly protects your asset. Those that are looking for insurance should consider getting a classic car insurance policy through All Nevada Insurance Inc. If you call the team at All Nevada Insurance Inc. you are going to receive the guidance and support that you need to pick a quality policy. This will ensure your prized asset is properly protected. 

2 Reasons Why You Need Recreational Insurance

As the owner of a recreational vehicle, it is crucial that you do all you can to keep yourself protected and safe. Whether the RV sits in your garage for most of the year or it’s out traveling the country, the All Nevada Insurance, Inc. serving the Las Vegas, NV area agrees that staying safe starts with having the right insurance policy.

Required by Most Lenders

One of the top reasons to buy recreational insurance is because it may be required by law or your lender. If you don’t owe anything on your RV, then you, of course, don’t have a lender to deal with, but if you do, the lender will most likely mandate that you keep insurance on the vehicle until it is paid off. Plus, keeping insurance on the RV is a smart choice because the law usually requires a minimum policy of some sort.

Helps During Difficult Times

There’s nothing peaceful about being in an accident or the RV breaking down on the side of the road. With recreational insurance, though, you can rest easy knowing you have help during difficult times. Imagine breaking down on the side of the road in the middle of the night in the middle of nowhere. For some people, the only assistance they can turn to is the help they get through their insurance company. You need to make sure you always have help available when needed, and there’s no better way to protect yourself than through insurance.

Would you like to learn more about the many reasons to buy recreational insurance? Here at All Nevada Insurance, Inc., serving the Las Vegas, NV area, we have helped thousands of people just like you with recreational coverage. Give us a call today.

Should you get RV Insurance?

When you are in the Las Vegas, NV area, an excellent investment to consider making would be to purchase an RV. If you have the dream of driving around the southwest United States to see all of the fantastic landmarks, having an RV can be a great option as it gives you a place to sleep and a mode of transportation. When you are shopping for an RV, you should also think about your insurance needs. There are several reasons why you need to get RV insurance.

Required by Law

One of the reasons to get an RV insurance policy is that it is required by law. When you operate an RV on a public road, similar to any other vehicle, you are required to carry a minimum level of liability insurance. If you do not have this coverage and are caught driving without it, you could face a variety of forms of penalization that can include fines or loss of your right to drive for some time.

Covers your Asset

Another reason why you should get insurance coverage for your RV is that it will give you coverage for your assets. Buying an RV is always going to be a big purchase that will require a sizeable down payment and costs related to ownership. If you do not have coverage for the property, you will continuously be risking these assets. With an insurance policy, you will have the coverage that you need to repair or replace your RV. 

Ultimately, choosing an RV insurance policy is a big decision. Those that are in Las Vegas, NV should reach out to All Nevada Insurance, Inc. to discuss their insurance needs. The team at All Nevada Insurance, Inc. can help you to pick a policy that provides the right coverage for your RV. 

Common motorcycle accidents and how to avoid them

If you are a motorcycle enthusiast, you know the thrill that comes with driving one. However, with fun comes danger. Fortunately, bikes also come with fantastic safety tools like powerful brakes, obstruction-free vision, smooth handling, and a pair of great grippy tires. However, that does not mean you shouldn’t take safety measures. All Nevada Insurance, Inc. recommends purchasing motorcycle insurance to protect you and other road users. So, what are some of the most common accidents in Las Vegas, NV, and how can you avoid them?

A car that suddenly turns left in front of you

One of the most common motorcycle accidents occurs when the driver of the car in front of you fails to see you while turning at an intersection before you. In most cases, both parties may be at fault, and that’s why this kind of accident happens more frequently. You can avoid this by being on the lookout for signs of a driver trying to turn in front of you. Slow down, take your brakes, and be ready to take any evasive action.

Taking a turn in a corner too fast

If you enter a corner at full speed, you are likely to cause an accident expressly if there is an incoming car or motorcycle. To avoid this, never ride faster than you can see, no matter how good you know the road. Make sure you can see and read the road signs along the road as you ride.

Hit from behind by a car

This accident is quite common in Las Vegas, NV, especially if one or both motorists are new to riding and driving. A car driver can overestimate their distance as you are trying to slow down or change a lane. While this accident is common, most motorcyclists end up losing their lives. To void this accident, always keep a considerable distance from cars and move to the side if you feel a driver is reckless.

For more information on how to stay safe as a motorcyclist, contact All Nevada Insurance, Inc., and we can help you stay safe.

How much classic car insurance do you need?

The state of Nevada requires all residential car owners to show proof of auto insurance that pays at least $25,000 per person for bodily injury ($50,000 per incident) and a minimum of $50,000 for property damage. Your classic auto insurance may meet the minimum requirements. Is that amount enough, though, if your vehicle is damaged beyond repair in Las Vegas, NV? The agents at All Nevada Insurance Inc. can help you find the classic auto indemnity coverage that is right for your lifestyle.

What is classic auto insurance?

Classic auto insurance is an indemnity plan that provides coverage for vehicles that are at least 15 years old. Your mileage on an eligible car or truck must also be significantly below average for a classic auto insurance plan to fully serve its purpose. 

Classic auto insurance is not the same as antique indemnity coverage. Antique auto insurance requires the age of the vehicle to be at least 25 years old. Drivers are also restricted when operating antique vehicles. Classic auto insurance does not have stringent restrictions but does typically pay more than standard car insurance when the vehicle is damaged beyond repair. 

How much classic auto insurance do you need?

The amount of classic auto insurance you need heavily depends on your lifestyle. You may find that purchasing the minimum coverage is sufficient if you do not commute for months at a time in Las Vegas, NV. It may be necessary to buy more coverage if you drive several times per month. 

The agents at All Nevada Insurance Inc. can help you find the classic auto insurance plan that is right for your situation. Call us today to get started with a quote for coverage!

COVID-19 AND YOUR PERSONAL INSURANCE BROKER

To Our Valued Clients, Customers, and Partners,

At All Nevada Insurance (ANI) we are committed to helping you in getting through such unprecedented times. We sincerely hope you all are doing well despite the state of affairs currently affecting our daily lives and know this too shall pass.

In light of the recent concerns, we have taken precautions. As an insurance agency, we are considered an essential business; however, a majority of our offices around the valley have opted for safety first for our staff and for our community. We are open for business via technology through the use of telephones, email, online conferencing and use of our online customer service portal. We are working closely with our carrier partners to support those being affected financially so if you are concerned about your payments, please be sure to give your agent a call so we can see how we can work alongside you to lessen the stress. Please feel free to visit our website at www.allnevadainsurance.com or www.aniinc.us and choose our customer service portal. If you have a registered email and mobile phone registered with us, you will be able to request changes online. We are only accepting electronic payments at this time by only taking a debit/credit card or using your routing and account information. If you are more comfortable speaking to your personal insurance broker, please contact them on their office phone during normal business hours. Hold times may be slightly longer than usual since many of our agencies are now working remotely. We appreciate your patience as we continue to strive to work in excellence.

You are very important to us and we appreciate the opportunity to serve you. Our best to you and your families. We will get through this together.

The All Nevada Insurance team

Does Recreational Insurance Cover all of my Camping Gear?

Camping gear can be costly, especially if you have to replace it. People enjoy camping because it allows them to get away from the hustle and bustle of their everyday lives. In Las Vegas, NV, residents love to explore and camp in the mountains. The agents at All Nevada Insurance, Inc. offer recreational insurance that will help to cover the cost of your camping gear if it is ever damaged or stolen while you are out and about wandering the forests.

Homeowners’ Insurance

Your homeowners’ insurance will often cover your camping gear, even if you have it in a remote location. Typically, this would include your tents, sleeping bags, propane cooking stoves, and other portable camping gear. It’s essential to keep an itemized inventory of all your camping equipment and make sure that your agent also has a copy.

Recreational Insurance

Some types of camping gear may also fall under recreational insurance. If you own an RV or pull-behind camper, your camping gear may be covered under this type of insurance. This could include campfire cooking items, chairs, tables, and awnings. If you own an RV or camper, keep an updated inventory on hand, and give one to your insurance agent as well.

Anyone who loves to go camping knows how valuable their camping gear is. If you live in the Las Vegas, NV area, and are an avid camper, contact the agents of All Nevada Insurance, Inc. They have the information you need on recreational insurance policies and will work with you to make sure all of your camping gear is fully protected. Take a few minutes and call their office today!

Does RV Insurance Cover the Possessions Inside?

Owning an RV in Las Vegas, NV is an open invitation to the world beyond a stationary front door. Instead of having to be greeted with the same view time and time again, you get to choose what you see on any given day. This kind of freedom is precious to RV owners, but it also presents a few problems that they need to account for. Instead of taking certain things for granted, they need to ask how their insurance policy will affect their lifestyle. All Nevada Insurance, Inc. wants you to know more about RV insurance and what exactly it’s made to cover.

The Answer 

The short answer to this question is that it ultimately depends on your policy. Typically, you’ll need to talk to your insurance carrier to ensure that your possessions are covered from theft, vandalism, or damage.

Why It Matters 

For many people, they use their RV insurance as if it’s their home, which is why it’s not unusual to see people buy some home insurance. If you’re going to be taking your RV out for just a day or two every month, though, it’s different from living in it for six months straight. If you’re planning on spending extended time in the RV, you’re likely to take everything from your favorite clothes to your jewelry and electronics. This can ultimately make for hefty replacement fees if you suffer from an unexpected catastrophe. 

If you have questions about RV insurance, call All Nevada Insurance, Inc. today. We’re here to help the people of Las Vegas, NV get answers that will ultimately make it easier for them to enjoy their RV that much more. Whether you’re planning an epic trip or want the option someday, we’re here to chat.