RV Insurance 101

Class C Motorhome ( Rear ) – Campsite. Class C Recreational Vehicle. Recreation Photo Collection.

You probably bought your motor home or travel trailer because it offers the best of both worlds: the ability to explore the world we live in and the convenience of your home each night when you pull over. Motor homes and travel trailers offer a freedom and joy that’s unique regardless of the size of coach or fifth wheel you explore with.

But with this dual benefit also come some increased risks. As a vehicle, your motor home needs some auto-type insurance to protect you from crashes, medical costs and the like while you’re driving on the road. But comprehensive rv insurance needs to also protect you when you have stopped and camped. That means you need insurance closer to what you find in a homeowner’s policy that includes features such as:

Personal liability:

Protection in case someone is injured in or around your RV

Personal property:

Enhanced property insurance that will protect the contents of your RV in case of theft or damage.

Additional living expenses:

Protection that helps pay for your cost of living if you are displaced from your motor home.

Attached accessories:

Another layer of protection that covers your awning, tv antennas or other accessories that might be damaged.

Getting the right recreational vehicle insurance doesn’t have to be expensive or difficult with an insurance expert on your side.

Consider Vacation Liability coverage for when you stop driving and start using your recreational vehicle as a temporary residence. Some policies can include additional coverage for physical damage in Mexico.

Some policies include Roadside Assistance, which has you covered 24/7 in the event of a breakdown or accident. Some will even allow you to upgrade the coverage to include lodging, transportation, and meal coverage if needed.

Our claims service is available 24/7. In the event you have a loss, the insurance companies we work with have skilled claims teams who will work with you to get your RV repaired and back on the road.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

Are You A High Risk Driver In Florida?

A “high-risk” driver is generally defined by the auto insurance companies as someone who has a higher risk of having an auto accident. Auto insurance companies often see high-risk drivers as undesirable, as they may end up costing a great deal in claims.

Why you may be defined as a high risk driver?

  • You have multiple accidents or tickets during a specific period of time.
  • You have a DUI.
  • You have a serious violation.
  • Any accident that results in a fatality.
  • Driving without a license.
  • Driving without insurance.
  • You drive an exotic car.
  • For whatever reason, your auto insurance has lapsed.

How to get auto insurance if you are considered high risk

  • You may need non-standard insurance.
  • SR-22 insurance for specific situations.
  • Allow your agent to shop auto insurance for you.
  • Determine what auto insurance discounts you may be eligible for.
  • Improve your driving skills.
  • Consider a lower risk car.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Does Your Auto Insurance Cover Damage Done During a Protest or Riot?

Recently we have seen streets filled with vehicles damaged form rioters.  Damage can be a simple scratch, windshield damage, or even a fire.  The question is, “Are these kinds of losses covered under a standard auto policy?”

It is normal for people to be worried about their cars if they live in an area with active riots.  Insurance coverage that covers acts of vandalism is not part of the auto liability insurance.

According to the industry-backed Insurance Information Institute, this type of damage typically is covered under optional comprehensive insurance plans.  This coverage provides reimbursement for damage to the vehicle and its contents caused by fire, falling objects, vandalism or rioting.  Approximately two-thirds of policyholders have this coverage.  However, each policy is different so the actual coverage will depend on your individual auto policy terms and conditions.

A Few Things to Remember

  • If the damage is covered it will be subject to your policy deductible.
  • You should report the claim as soon as possible, especially if someone was injured.
  • Windshield or glass claims are often covered on a first-dollar basis with no deductible.  However, they can also contribute to increased rates.
  • Collision coverage may apply if the vehicle was moving during the time of the damage.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

Are Electric Scooters Covered Under My Insurance Policy?

e-scooter-4496668_1280A Personal Insurance Update

Scooters are popping up all over cities across the country.  They have been popular in Europe for years.  We are at the beginning of this new form of personal transportation, which creates a few questions regarding risk, liability, and insurance coverage.

Scooter usage Facts (Forbes)

  • 4 % of riders wear helmets
  • 80% of accidents are results of falling
  • Head trauma is the most common type of injury

Most cities don’t have regulation or rules because they don’t qualify as a motor vehicle. Some cities require a driver’s license and helmet, but these are mostly on the honor system.  Users can rent the scooter then leave it anywhere they want (in your front yard or in front of your business).

Insurance companies are busy trying to figure out who is liable in the event a scooter accident injures someone.  What if the scooter rider injures someone while on the job, will the injuries be covered under workers’ compensation and any liability be the responsibility of the employer insurer?  Business insurance policies may not address scooters specifically. Depending on the circumstances, some electric scooter-related injuries may be covered while others may not.

Right now, most insurers will not cover scooter crashes; auto insurers also will not cover them as they are not defined as an automobile.

Scooter companies have strict waivers that are included in the rental agreement limiting any liability to the rental companies.  One company offers a $1,000,000 liability policy, but all claims would be subject to extensive investigations.

Most legal experts agree that the rider will bear the legal liability arising from accidents because of the terms to which the rider agrees to when downloading the app.  The laws, the courts, and the insurance industry are often slow to respond to new technology, and this may be the case with electric scooters. Relatively few laws specific to e-scooters have been passed

We recommend you contact your insurance agent to discuss if your personal insurance provides any coverage or if you need to add coverage to your program.

Give us a call so we can provide you with options.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

Save Money Today

Auto Insurance

When it comes to purchasing auto insurance, having options can be a very important way to save money. Putting money back in your pocket is one of our primary goals.  We know and understand the auto insurance market.  This allows us to provide you with the best possible combination of pricing, coverage and service.

Auto insurance rates differ from company to company, so it really pays to have us shop your insurance. Some markets offer better rates for trucks, RV and campers, while others can offer better rates for motorcycles.

How to reduce your auto premium

There are many things you can do to keep your auto rates at the lowest level possible.

  1. Review your deductibles. According to the Insurance Information Institute, raising your deductible from $200 to $500 could reduce your Collision and Comprehensive costs.
  2. Encourage your student driver to get the best grades possible. Most major insurance companies offer a discount for students in good academic standing.
  3. Select a safe car. Check out which cars are popular with thieves and avoid them. Also, the more expensive the car, the higher the premiums.
  4. Be a safe driver. The more accidents and tickets you have, the higher the premiums will be.
  5. Purchase a car with an alarm or LoJack. LoJack® Stolen Vehicle Recovery System provides car owners with peace of mind knowing that if their vehicle is stolen, they have the best chance of getting it back.
  6. Be loyal. Many auto insurance companies offer loyalty discounts if you stay with them over time.
  7. Check for other auto insurance discounts. These might include taking safe driver courses, senior discounts and more.
  8. Some companies offer discounts for paying your premium in full, multi policy, and multi car discounts.

You might be able to pay less for your car insurance premium and not even know it. So it pays to connect with us to review your insurance needs.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Important Auto Insurance Terms

free444An Auto Insurance Review

This state requires everyone who owns a vehicle to have personal auto liability insurance.  Auto insurance comes in many different shapes and sizes. There are many different terms and coverage’s you need to understand if you are going to protect you and your family.  As you consider the many different kinds of coverage, we can help you find the right combination of price, coverage, and service.

Bodily Injury Liability

This coverage pays for costs or claims associated with bodily injuries to the other persons (third parties) or people involved in the accident. This coverage also provides defense coverage in the event that you are sued for damages.  We always recommend having higher than the minimum limits. If a claim exceeds your own policy limit, you will be responsible for all costs.

 Collision Coverage For Your Vehicle

Collision and comprehensive is often referred to as ‘full coverage.’ If you have collision coverage, and are in an accident or hit with another vehicle or property, you will have coverage to repair or replace your vehicle after your deductible is satisfied.  Collision and comprehensive coverage are not required, but they may be required by your loan company or leasing company.

Roadside Assistance And Towing Coverage

Collision & comprehensive covers the vehicle when it is damaged. Emergency roadside assistance and towing coverage can be added to your personal auto policy in most cases. Coverage will help with gas fill-ups, battery jumps, tire changes, and towing. Make sure to check if you have necessary towing (up to 15 miles) or extended towing (up to 100 miles).

Rental Car Reimbursement

When your vehicle is in the repair shop after a covered accident, your policy will provide you a rental car (if you have purchased the coverage) while your own car is getting repaired. You will need to have purchased comprehensive and collision on your policy in order to add rental car coverage. Coverage is subject to limitations.

This is intended to be a brief review of auto insurance. Your actual coverage will depend on your individual policy.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted BEST INSURANCE AGENCY and BEST AGENT by the residents of Charlotte County and Harbor’s Hottest Insurance Agency by Harbor Style Magazine.

 

 

Are Rideshare Drivers Covered By Their Auto Insurance?

app-2941689_1920If you drive your personally owned auto for Uber, Lyft, or even a pizza delivery company, your personal auto insurance will not provide coverage you need, should you be involved in an accident.  Uber and Lyft are “rideshare” services that compete with taxis and more traditional car transport services. These companies do not own or operate their cars and do not hire their drivers directly. Drivers are independent contractors who drive their own vehicles to pick up and drop off customers. Here are two big coverage gaps:

  • Your personal auto insurance policy excludes liability for hauling others for a fee.
  • These rideshare companies also require liability limits above the state minimums.

There are a number of insurance companies now offering specific auto insurance coverage for ridesharing risks.

Here are a few tips for rideshare drivers.

  1. Purchase a separate policy with at least a $1,000,000 limit.
  2. Read any, and all, agreements so you know what your responsibilities are.
  3. Keep your vehicle in good working condition.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance

 

We Can Offer You More Than Just Insurance, We Offer Peace Of Mind

update-1672385_1280We Can Offer You More Than Just Insurance, We Offer Peace Of Mind

Your insurance needs change over time, so it is important to review your policies periodically to make sure they are up-to-date. Tragically, many people are not insured after devastating natural disasters. It’s never too late to do a homeowner’s insurance checkup before the next threat heads your way. This article highlights some important insurance coverage you should consider such as:

  • Earthquake Insurance
  • Flood Insurance
  • Wind Insurance

Steps To Help Secure The Right Coverage

  • Make sure your homes information is up to date. Your agent should shave to right square footage and replacement value.
  • Research the replacement cost for new construction in your area.
  • Have our agency provide you with coverage options for competitive insurance products.
  • Consider getting a “floater” to your home insurance policy. If you own valuable furs, jewelry, guns, collections, silverware, or artwork, a “floater” can cover the full value of those items. Consider adding building code or ordinance or law endorsement, which will help pay the higher cost of bringing plumbing, wiring, or other key systems up to current codes when rebuilding.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Did You Just Buy A Flood-Damaged Car?

Deep Flood Water

Deep Flood Water in Residential Area. Des Plains IL USA. City Under River Flood Water. Nature Disasters Photography Collection.

Did You Just Buy A Flood-Damaged Car?

How to make sure you don’t get stuck with a water soaked car

It may be possible that a number of flood-damaged automobiles will be on the used car market in the near future.  These disasters tend to bring out dishonest business people who want to take advantage of the situation.

The National Insurance Crime Bureau (NICB) has established a consumer service called VINCheckSM.  This service allows car buyers to see if the vehicle has been declared as salvage by an NICB member.

How to spot a flood damaged car

  • Use a reputable auto dealer.
  • Is there new carpet in a 5-year-old car?
  • Use your sense of smell. Flood-damaged cars may smell of mold.
  • Check under the carpet for rust.
  • Make sure all electronics work.
  • Is there water in the headlights or tail lights?
  • Mud and debris on the underside of panels and brackets is another good sign the car has been under water.

If you’re from an area affected by a flood and have a car that wasn’t damaged, be aware that buyers might suspect it was.  Damaged cars can also be moved to other states, so even if you live outside a flooded area, be aware.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

Amberg Insurance has been voted First Place for Best Insurance Agency and Best Agent by the Charlotte Sun Newspaper and First Place for ‘Harbor’s Hottest’ Insurance Agency by Harbor Style Magazine.

 

Setting The Record Straight Regarding Insurance

A Personal Insurance Update

There are so many ways that some insurance companies confuse buyers that it can be hard for many to discern fact from fiction. Often the complexity of insurance can cause us to create frustration and can lead to uninformed decisions. We want to help you make the insurance purchasing decision as easy as possible buy offer you the best possible combination of insurance coverage, price, and service.

Misconceptions about insurance

  • Online insurance gives you the best deals. Buying online insurance does not save you time, and it can often be more expensive. As an independent agent, we search the market for the best rates and bring them back to you.
  • All insurance companies are the same. Not true, some insurance companies prefer older drivers, while others have great rates on RV’s and motorcycles. Some insurers are better for insuring that hot rod or antique car.
  • Insurance is all about low cost. Sure you can get low-cost insurance, but you may not have the coverage you need when you have a loss. For example, we received a call from an individual that bought insurance online and had an accident. The insurance was cheap, and it was because there was no collision coverage. The individual had to pay $3,000 for the repair of their vehicle. We were able to secure the coverage they needed.

Amberg Insurance Center, Inc. was established in 1974 to serve the growing insurance needs of the many businesses and individuals located in the Charlotte and surrounding counties. We take pride in the quality service provided to our customers, our community concern, and our commitment to the overall development of our employees.

As an Independent Insurance Agency, we represent many of the top insurance companies in the country. This means better coverage, and at a competitive price, including life and health insurance