Assure Your Motorcycle Has Proper Insurance Coverage

Assure Your Motorcycle Has Proper Insurance Coverage

For motorcycle riders, spring signals a time to get the bikes out and hit the roads. But what about insurance?

When it comes to something as important as your motorcycle, it pays to have the proper policy in place. When the earth finally reaches that point in its orbit in which the northern hemisphere tilts towards the sun rather than away from it, spring has come. Like a moth to a flame, motorcycle riders almost instinctually ready their motorcycles and await that perfect spring day where they can finally come out of winter hibernation and ride on the roads once again. Before you go out and ride your motorcycle, you should know if you have the proper motorcycle insurance in place.

  1. The Required Coverages

Most states legally require all motorists to have an insurance policy in place. These laws usually require a minimum amount of liability, bodily injury, and property damage caused to other people if you are found liable for the accident. Underinsured/uninsured coverage may also be required to financially cover damages brought on by another driver who does not have enough or any insurance.

  1. The Optional Coverages

There are plenty of optional coverages which protect you from common dangers that motorcyclists encounter.

Collision – Covers the damage resulting from a collision with another vehicle.

Emergency Road Service – Covers the costs associated with roadside assistance and towing.

Comprehensive – Covers damage brought on by a non-traffic collision like fire, flood, falling object, and the like.

Accessories and Customizations – Covers the cost of replacing your accessories like safety and customized equipment that was added after the purchase of the motorcycle.

A quality motorcycle insurance policy can protect you and your bike from many unfortunate incidents! To learn more about how you can pay less for your auto insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Top New Year’s Resolutions for 2017

Top New Year's Resolutions for 2017As the new year approaches, do you know what special resolutions you will be making for 2017? 

Many of us will make the New Year’s resolution to go to the gym and eat healthily. A large majority of those people will also break that resolution within the first two months when they find out actual work and dedication is involved. Your insurance resolutions shouldn’t have the same dark fate as your personal ones. Here are some insurance resolutions you need to make any claims go easier if 2017 will be your claims year.

  1. Update Auto Insurance
    Your auto insurance premium is tied to how often you drive your car and the make and model of your vehicle. If 2017 brings changes to any of these factors, make sure that you notify your insurance company of any changes to ensure that you will be correctly covered if you are in an accident.
  2. Update Home Insurance
    2017 may bring some changes to your home as well. Perhaps a puppy was a great addition to your family or you received some nice gifts over the holidays. You need to notify your home insurance company of these recent changes:
    • A dog bite may cost you several thousands of dollars in medical bills if a guest is bitten and will only be covered if the insurance company knows of your K9.
    • Update your home inventory list to make sure that all of your assets are covered if they are destroyed by a covered event like fire or vandalism.
  3. Update Life Insurance
    If you are expecting a baby and want to financially protect your family in case you pass, the right life insurance policy will cover them.

For all of your homeowners insurance needs to ensure your home is fully covered for a complete reconstruction, contact Miller Insurance Associates in Carlisle, Pennsylvania.

What to Do After an Accident (of Any Kind)

What to Do After an AccidentAccidents happen every day; despite their frequency, we are still left wondering what we should do when we find ourselves having had one.

Accidents are called accidents for a reason: they’re unexpected and can happen at literally any time. From the near cosmic impossibility of an asteroid wiping out all human life on the planet, to simply forgetting your watch on your nightstand, accidents come in a wide variety of examples. Most fall within reason, and for these, there is a checklist which you should review so the next time you have an accident, you are ready to go.

  • Keep calm. Do whatever is necessary to protect your family members and your property. The best way to accomplish this is by staying calm and having a clear head.
  • Is anyone injured? Checking for injuries may save a life; if someone is injured call for help immediately.
  • Don’t flee the scene of an accident. Doing so may get you in even further trouble.
  • Don’t admit responsibility. For liability reasons, never admit that the accident was your fault, nor should you blame anyone else.
  • Record the other person’s information. Name, address, phone numbers, and any other information that is important. If there are any witnesses, try and get their information as well.
  • Always notify law enforcement. If there are any injuries, death, or serious property damage related to the incident, notify law enforcement.
  • If there is any theft or vandalism that occurred, be sure to contact the police and report all of the missing items.
  • (If there is an asteroid that hits the Earth, just hope it isn’t big enough to destroy everything.)

Ensure that you will not face hardship from an accident. You can buy that peace of mind! For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

How Does Credit Score Affect My Insurance Rates?

How Does Credit Score Affect My Insurance Rates?Credit scores determine much of what we’re able to purchase in the U.S., but did you know that it can affect your insurance rates?

We often see and hear about how important it is for one to maintain a good credit score, and everyone knows that a good credit score results in lower interest rates. This is because your good credit score is an indicator that you have a record of paying your dues on time. What’s less known is how your credit score affects the rates in which you pay your insurance. Here’s what you need to know about how your credit score affects your insurance rates.

How Your Credit Affects Insurance Rates

  1. Lower Credit Is a Sign of Higher Risk. Insurance statisticians are constantly looking at the data to help insurance companies predict their customers’ behavior because the company makes more money when predictions are more accurate. In the 90s, they became aware that a high credit score was often indicative of a low risk.
  2. Insurance Companies Generate Credit Scores. Lenders usually just use one of the standard credit bureau scores to determine yours. Insurance companies, however, use their own formula to generate an insurance-related credit score for you. They vary from company to company, so it’s hard to nail down a standard formula.
  3. Great Credit Can Reduce Your Premiums. You’d think that your auto insurance premiums are based on driving records, but they are actually based on your financial record as well. A good financial record may qualify you for discounts on your monthly premiums for your auto insurance.

Maintaining a good credit score will not only earn you more access to a good car and nice home, but it may also land you discounts on your auto and home insurance premiums. To learn more about how you can pay less for your auto and home insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates.

Drone Insurance Q & A

Drone Insurance Q & A

Drones are a very neat piece of technology, but do you know if you’re covered should an accident occur?

If you or any family member owns a drone, it would be very smart to check with your homeowners insurance agent to check if you’re covered for any mishaps that may occur with your remote controlled flying contraption. These commonly asked questions should let you know what steps to take when inquiring about drones and insurance.

Q: If the child operates the drone, am I covered?

A: It depends. If the drone was a toy that was intended to be used as a hobby, you need to look at your homeowners insurance policy for any liability claims that could be made against you. Many policies would cover your liability if they were to injure a third party.

Q: What happens if the drone damages a car?

A: While often subject to a deductible, your coverage will protect you should you (or your child) lose control of the drone and damage a vehicle.

Q: If I intend to use my drone for business purposes, am I covered for that?

A: Probably not. Liability coverage is generally excluded from your homeowners insurance when it comes to your business. Speak to your insurance agent to see what commercial insurance is available for your drone.

We apologize for droning on about insurance, but it’s always best to be informed. Now go out and play! For all of your homeowners insurance needs to ensure you have the right liability coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Spring Into Safety, Not the Emergency Room

Spring Into Safety, Not the Emergency Room

You may have the heart of a lion, but do you have the body to go with it?

Ah, nothing quite like the smell of spring in the air: flowers blooming, warm air, and a nice breeze. For most, it’s a sign telling them there’s no more excuse to be a couch potato anymore, and time go outside and workout! But going from professional lazy person to amateur active person can go from bad to worse in no time. Your body needs time to catch up with your mind to develop the proper muscles. Also, lungs need to remember how to breathe under stress, and everything else that comes with being active. Don’t become sedentary after you’ve started working out. Follow the following pre-workout procedure to give yourself the best chance to remain active.

Warm up before working out. Those winter muscles need to be loosened up before being exposed to a brand new workout regiment that involves more than moving your video game thumbs.

Pace yourself. “No pain! No gain!” As motivating as it may be, there are certain pains that are detrimental to your body that may end up being very serious. If you feel sharp or repetitive pains, take a break and consult your doctor on what treatment options are available, to see if you need a brace to prevent the pain from coming back. Icing the area may help speed up the process.

Use proper sunblock. While it may not seem necessary, or “cool,” exposing your skin to the bear sun may lead to skin cancer which is even less cool than taking the time to put on sunblock. The science also shows that getting anything above SPF 50 is unnecessary.

For more tips on how to remain healthy during your workouts, and for all of your  needs to help you start feeling your best, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Are You Prepared For National Preparedness Month?

Are You Prepared For National Preparedness Month?Prepare your family for a disaster during National Preparedness Month.

September is National Preparedness Month, making it the perfect time to focus some time and energy on making sure your family is ready for a disaster. Here are just a few steps to making sure you’re ready for whatever comes.

  • Plan: As a family, sit down and talk about what you would do in the face of a disaster. Set up a meeting place in town to gather if you get separated, and designate one out of town in case your entire city as affected by the disaster. Have everyone commit a few emergency contact numbers to memory, too.
  • Create A Kit: Build a disaster preparedness kit but filling a bag you could quickly grab with water, nonperishable food, toilet paper, flashlights, a radio, batteries, a first aid kit, and other necessities.
  • Stay Informed: The more advance notice you have of a disaster, the better you’ll be able to respond. Make sure you have at least one source for receiving daily news about local weather and events.

A key component of preparing for a disaster is getting the insurance coverage you need. With the right policies, you can rest easy knowing your family can weather any storm with financial stability. To get the coverage you need in Carlisle and throughout Pennsylvania, contact Miller Insurance Associates!