Why you should keep your insurance year round on your boat, RV or motorcycle in Lacey, WA

Do I Need to Keep My Insurance During The Off-Season?

It’s now time to enjoy some amazing fall camping excursions, calm boating on the lake or a motorcycle road trip. Each year we’re asked by many of our customers about the possibility to cancel your insurance policies on your summer toys like motorcycles, RVs, boats and ATVs. While you may not be using these alternative vehicles during the fall and winter months, your vehicles may be damaged and insurance claim would need to be opened. If you cancelled your insurance policy, you may be forced to pay for repairs or replacements out-of-pocket. During the cooler months while your toys are parked events can occur that could get expensive without a valid insurance policy.

Types of claims that could occur during the off-season:

Comprehensive insurance claims: Even though your vehicles are secured, theft or vandalism can still occur at any time. Having to pay out-of-pocket to repaint, repair or replace your toy could put a serious strain on your finances. Catastrophic events like floods or fires can occur during the off-season. If your comprehensive insurance policy is not in effect, you may be responsible to pay to replace your toys without assistance from your insurance carrier.

Liability insurance claims: Accidents can happen at any time, even if your toy is secure. During a party at your home someone thinks it would be great to take a picture on your Harley. They hop on and fall over damaging both your bike and themselves. Even if you did not give them permission to do so, you may be legally responsible for their injuries. Without a liability insurance policy in effect, you may be responsible to pay for the injured party’s medical bills and recovery costs.

Additional claims scenarios:

  1. A blustery storm knocks over a tree and it falls on your parked camper. (Comprehensive claim)
  2. A hail storm damages your vehicle (Comprehensive claim)
  3. Your garage catches on fire and burns your motorcycle, boat, or ATV inside (Not home insurance, Comprehensive claim for the vehicle)
  4. Your RV or Boat is parked in an off-season boat/rv storage facility and is damaged when an unknown party backs their vehicle into it. They don’t leave their information.
  5. A thief vandalizes your vehicle looking for valuable items

These are just a few of the many claims that can occur in the off-season. Some carriers understand that these vehicles are not used year-round and the premiums reflect the high and the low season.

Keeping your motorcycle insurance, RV insurance, ATV insurance or boat insurance in effect during the off-season may not only save your from a costly out-of-pocket repairs or medical payments, keeping a year-round policy may also save you money on your policy premium. Ask your insurance agent today about the benefits of keeping a comprehensive and liability insurance policy on your toys all year!

All Insurance One was established in 1978 and is a family owned, local insurance agency in Lacey, WA. Our agents are highly trained professionals and considered masters in their field. By offering protection for your Auto, Home, or Umbrella Insurance, we make sure that you’re covered today, as well as in the future. It is our passion to provide outstanding insurance service and consumer education to our clients.

Motorcycle Safety Tips in Lacey, WA

What Every Motorcycle Rider Should Know

Safety Tips for Beginners to Experienced Riders

Motorcycle Safety Tips in Lacey, WAThe key to staying safe riding your motorcycle is to be prepared and understand how to avoid risks. Motorcyclists are at a higher risk being on the road compared to a vehicle. Keep these things in mind to dramatically lower your risk for injury.

Refine Your Skills

If you’re new to riding, look to take a riding course from the Motorcycle Safety Foundation in your area. This class can teach you the basics. Or, if you’re an experienced rider, you can learn more advanced techniques.

Practice Makes Progress

After taking a Motorcycle Safety riding course, be sure to get out there and ride! Racking up miles will help you become a better rider. Set a short term goal of riding 1,000 miles before a specific date.

Wear the Right Clothing & Footwear

Especially if you’re new to riding, you need to wear the proper attire in case you go down. Look to buy leather or textile protective gear (jacket, pants, gloves). It helps when your clothing is breathable when you’re riding in the hot summer days.

Shoes with good traction are essential to staying safe on the road. A non-slip bottom boot or shoe is ideal. They should also be over-the-ankle to give extra protection.

Ride More Defensive Than You Drive a Car

Many drivers don’t see motorcycles or simply make judgement errors because of your size. Be sure to pay more attention to your surroundings when you’re riding. Pay attention to everything including street corners and intersections, but also parking lots, alleys and anywhere where a vehicle is trying to enter into moving traffic. Also, look far ahead when you’re riding. For example, say a car is pulled over or construction is coming up. Sure, you may see it, but does the car next to you? Lastly, avoid the blind spot of all cars. Ride up ahead of them or far enough before in case they need to suddenly switch lanes.

Besides being aware of your surroundings, it’s important to look for pot holes or bumps in the road. While a car can handle these without a problem, being on a motorcycle is a different story. If you can’t avoid them, slow down as much as you can.

Do a Quick Inspection

Before hopping on your bike, be sure to check a few areas. Check the chain, belt, and brakes. Inspect your tires for proper pressure. Also check to make sure your lights and directional signals are working properly.

While we’d love to sit in your sidecar to help you ride safely, we have work to do saving great people like you money on their motorcycle insurance. As an independent agent, we have access to some of the top insurance carriers in the country.

All Insurance One was established in 1978 and is a family owned, local insurance agency in Lacey, WA. Our agents are highly trained professionals and considered masters in their field. By offering protection for your Auto, Home, or Umbrella Insurance, we make sure that you’re covered today, as well as in the future. It is our passion to provide outstanding insurance service and consumer education to our clients.