Auto Insurance

Has Your Vehicle Been Declared a Total Loss? Here’s Why…

Posted on by TheSph3r3

Auto accidents that cause extensive damage to your vehicle may be considered a total loss. If you have auto coverage and the accident was your fault, you may receive compensation for the loss of your vehicle. If you were not at fault, the other party’s insurance is responsible for paying for your vehicle. There are several things you should know about vehicles that are declared a total loss.

What Is a Total Loss?

Most vehicles are considered a total loss when the cost to return the vehicle to its pre-loss condition exceeds the value of the vehicle. The structural integrity and the overall condition of the vehicle are taken into consideration before declaring it a total loss.

How Much Will I Get for a Total Loss?

If your vehicle has been declared a total loss, many insurances’ will pay the actual cash value (ACV) or market value of the vehicle based on its age, mileage, features, and pre-loss condition.

For more information on insurance or auto coverage in the Nevada area, please contact All Nevada Insurance.

Bad Practices in a Business Equal a Raise in Insurance Premiums

Posted on by TheSph3r3

A company that makes poor decisions regarding facilities and employees will typically experience an increase in insurance premium costs due to these decisions. Avoid putting your business, clients or employees at risk by maintaining good methods when it comes to the follow situations.

If you ignore employment laws, you are putting your business at risk. In addition to following procedures regarding these laws, you should choose to do business only with other businesses who follow employment laws and regulations. You are responsible for insuring your business appropriately, and that includes reporting risks that may cause you to need additional coverage, such as high crime rates or flood zones. Make sure you purchase and maintain insurance coverage for your personal property, your health, your business and for inventory so to protect your company in earnest.

For your employees, maintain a professional working environment by mandating employee training on a regular basis. Additionally, make certain that you are providing a safe and secure environment for employees and customers. Here at All Nevada Insurance in several locations throughout Nevada, we hate to see bad practices result in a raise in premiums for business owners and employees. Contact us today to find out how you can prevent such a situation from happening to you.

Back to School: Update Your Child’s Auto Insurance

Posted on by TheSph3r3

It’s back to school time and for parents, that means more than ensuring their child has all of their supplies and books. Whether your child is in high school or in college, if they are driving it is definitely time to update their auto insurance policy.

For high school students who drive the family car, or even those who have their own car, they are likely on your insurance policy. To maintain the same monthly premium or possibly lower the premium, ask your agent about possible discounts. Many insurers offer good driver programs that lower monthly premiums and many also offer discounts for good grades or for being on the honor roll. If your child has not been involved in an accident or has not had any traffic violations, and they also have maintained good grades, it’s time to lower your bill.

The same can be done with college students. Some insurers allow students living on-campus to remain on their parent’s policy. If this is the case, check to see if the same discounts are available to them.

For more information on what to do to update your child’s auto insurance, visit the All Nevada Insurance Blog.

Tips for RV Roof Maintenance

Posted on by TheSph3r3

Summer vacation’s over, so, it’s time to put away the RV until next year’s travels. One important thing you can do to make sure that your RV is ready to go when you are is to keep up with proper RV roof maintenance. To keep your family’s home away from home in tip top shape:

  • Clean thoroughly about four times a year. This will keep dirt, sap and leaves from causing excess wear. If you park under a tree, clean more often and debris can accumulate more quickly.
  • Check all the seams twice a year. Inspect the RV thoroughly to avoid leaks. If your RV’s roof’s seams are damaged, consult a professional to avoid costly water damage.
  • If your roof is made out of rubber, apply a protective treatment after your vehicle is washed and inspected. This can help extend your RV’s life and avoid costly repairs.
  • Check the refrigerator and holding tank vents regularly. They should be undamaged and free of obstructions.

Are all of your household’s vehicles covered? Contact us at the All Nevada Insurance Blog to make sure.

The Perils of Staged Car Accidents

Posted on by TheSph3r3

If you’re not aware of staged car accidents, you may not be able to adequately protect yourself from them. A staged car accident is a car accident that another person initiates intentionally for a variety of reasons. The driver could be seeking medical care for an existing problem, such as a spinal injury. More often, the driver is looking for a quick settlement or even a payoff.

Staged car accidents often occur in two stages: one car will get in front of you and will slow or stop suddenly, and this will drive you into another car to your side. The car at your side will claim to not have seen anything at all that would have caused you to swerve.

Other times, a staged car accident can be as simple as another car tapping their brakes to get you to hit them from the back. It’s important to note, however, that all of these accidents rely on you being too close to other vehicles. If you ever feel boxed in by other cars, or as though other drivers are getting too close, you should take immediate action to get away.

For more information about staged car accidents, and the auto insurance options you can use to protect yourself from them, contact the experts at the All Nevada Insurance Blog.

Check Your RV Insurance Before Your First Trip

Posted on by TheSph3r3

If you have invested in an RV of any kind for family vacations, don’t leave it uninsured. RV insurance is needed even if you already have auto insurance to cover your other vehicles. Without a comprehensive plan, you could end up spending a lot of money just to keep the RV on the road.

Check on your deductible for the year before setting out on a road trip. High deductibles are fine when you are driving a brand new RV, but a lower deductible policy may work better for older vehicles. Don’t be afraid to negotiate for a lower rate if you recently took extra training to develop better skills at handling large vehicles. Defensive driving courses are always helpful.

Watch out for loopholes that keep entire systems from being covered by the policy. Even the most full coverage options often fail to pay for repairs to the A/C unit, blackwater system, or furniture inside the unit. Good policies can be tailored to cover anything you want. If you are unhappy with how much you are spending to insure your fifth wheel or camper, consider discussing your options with All Nevada Insurance.

Are you heading to the lake soon? Make sure your boat has proper coverage!

Posted on by TheSph3r3

It’s lake season, and that means watercrafts and speedboats are going to be out and about. They can be a lot of fun in the summer months. But whether you’re into boats or you just want to take the Seadoos out for a little spin, you need to make sure you’ve got the proper insurance coverage. If you don’t have the right policy, a simple little mishap on or near the water could turn into a real financial and legal nightmare. You don’t want something like that to mar your enjoyment of the beautiful summer weather.

Fortunately, it’s not hard to avoid these kinds of risks. You can’t always control whether you’ll have an accident or other problem that results in a claim to your insurance company. But you can control what kind of insurance you have. By talking with your agent and working to get just the right amount of coverage, you’ll be able to have the peace of mind you need to relax and have a great time on the water with your family and friends.

For more information about protecting yourself and your family and friends while you’re on the water in the Las Vegas, NV area, contact All Nevada Insurance today.

Tips for insuring your high performance vehicle

Posted on by TheSph3r3

If you have invested time and money into a high performance vehicle, don’t let a minor collision or falling limb put it out of commission. Finding an auto insurance policy for a fast or powerful car doesn’t have to drain your budget either.

Start smart by collecting paperwork on any modifications or additions to the vehicle. Your insurance company will need to know about anything that makes the car faster or safer. For example, adding airbags or five point restraints could offset slight increases in premiums due to performance upgrades.

A custom policy will work best for modified vehicles. If you have only purchased auto insurance for normal cars up to this point, it is best to seek out an agent you can speak with in person or over the phone. They can get to know your special case and design a policy that protects every aspect of the automobile. You can drive your high performance car or truck without worries if you contact All Nevada Insurance for a policy that meets all of the Nevada state insurance requirements. High performance vehicles won’t be left uninsured if you work with the right team.

Summer Car Insurance Tips For College Kids

Posted on by TheSph3r3

If you have college kids in your home, you want to make sure they’re properly covered on your auto insurance. During the school year, when they’re away and living on campus, you don’t need to have them insured as drivers on your car. Once they come home for the summer months, though, covering them is essential. If they’re going to be driving around – and you know they will be – then make sure you have proper coverage. By working with your agent, you can make policy adjustments quickly and easily.

Generally, you can keep your college kids covered on your insurance year-round. When they go off to school, there’s a way they can be listed but you won’t be charged as much. They aren’t available to drive the car during that time, so there’s no worry about them being at risk of getting into an accident with it. Once they come home for the summer, they’re changed back to a regular driver on the vehicle. That way you’re only paying to insure them when they’re driving, but you don’t need to take them on and off your policy.

If you’re looking for more tips and information on car insurance and college kids in the Las Vegas, NV area, contact All Nevada Insurance today.