Tips for Safely Riding Your Motorcycle During Any Season

You have finally purchased your dream motorcycle. You’ve also done the responsible thing and purchased the needed insurance coverage from AFI Insurance in Denver, CO. You’re ready to hit the road.

But, hold on!

Before you head out and enjoy the open road, you need to use a few tips to help keep you safe while riding your new motorcycle.

Wear Protective Gear – At All Times!

While a helmet is the most important protective gear you can ride, don’t neglect the rest of your body. The fact is, a motorcycle accident can cause severe injuries to your legs, arms, torso and more. Be sure to wear quality boots, pants, and even a jacket to protect your skin. Even in summer, it is best to ensure all your skin is covered with some type of protective layer.

Be Aware of Other Vehicles

While it would be nice if you could rely on other drivers to watch for you, this isn’t how things work. You have to remain aware of your surroundings at all times. Motorcycles can often get in another driver’s blind spots, creating a dangerous situation. Make sure this doesn’t happen by remaining alert and learning where some of the most common blind spots are.

Drive Smart

Riding a motorcycle is fun and it can make you feel great. However, this doesn’t mean that you should drive without caution. You have to obey street signs and speed limits, just like everyone else. Make sure you always drive smart while on the road.

If you still need insurance for your new motorcycle, or an old one, contact the staff at AFI Insurance, serving people throughout Denver, CO You will find the coverage option you need here.

Reasons to Get Snowmobile Insurance

There’s no question that snowmobiles are popular in Denver, CO; however, if you are going to use one of these devices, you need to make sure you are covered for any issue that may arise.

Driving – any type of vehicle or recreational craft – requires you to have the proper insurance coverage. Without this, you are putting yourself and others at risk. Some of the reasons you should purchase a snowmobile insurance policy from AFI Insurance can be found here.

To Cover an Injury to a Driver or Passenger

What happens if you, or someone who is riding with you, suffers an injury while on your snowmobile? If you own the vehicle and don’t have insurance coverage, you will have to pay for all related medical costs.

With insurance in place, you don’t have to worry about it. The costs will be covered, and you will be protected financially.

If there is a Collision with Another Snowmobile

Another situation where you need a snowmobile insurance policy is if you hit or have an accident with another snowmobile. Regardless of if it is parked or running, you may be liable for the damages. If you have insurance coverage, all the damages will be taken care of. If you don’t then you will have to pay out of your own pocket.

If an Injury to a Pedestrian Occurs

Modern snowmobiles can go pretty fast. As a result, you need to make sure that you are always aware of your surroundings. If you happen to hit a pedestrian, you can cause serious injuries and the individual may need extensive medical care. Your snowmobile insurance policy will cover these costs.

If you have a snowmobile in Denver, CO and need to purchase a policy, contact AFI Insurance today.

Is Jetski Insurance the Same as Boat Insurance?

Finding the right Jetski insurance can be difficult especially if you are not all that sure about what type of insurance you need for your Jetski. That being said, jet ski insurance is distinct and individual from a lot of other insurance types. Though there are not individual policies that only cover Jetskis, there are certain types of insurance that are going to cover this type of recreational vehicle better than others. For those in the Denver, CO area, the agents with AFI Insurance can help you find the policy that works best for you.

There are tons of different types of insurance policies that might cover a Jetski, it is best to find the policy that is most likely going to cover your Jetski and recreational vehicle insurance is a safe bet. This type of policy is going to cover a wide range of vehicles and is going to help you to cover all your recreational vehicles including things like Jetskis and 4 wheelers and ATVs so that you can be sure you are covered. This type of policy can often be bundled into your existing policies to help make it easier to pay each month.

This type of policy is completely optional and in most case,s you are not going to be required to hold any sort of policy on your recreational vehicles even if you have a loan on them simply because they are not going to be huge loans. If you do have this type of recreational vehicle you may want to look into a policy to protect them. For those in the Denver, CO area, the agents with AFI Insurance can help you find the policy that is going to work for you.

Does my Insurance Cover Customization Repairs?

The agents of AFI Insurance have many years of experience when it comes to automotive and motorcycle insurance. Motorcycle owners living in Denver, CO often have questions about how to insure their bikes if they have a custom paint job or a bike that has been custom built. Having the proper insurance is always a top priority.

The Cost of Customizing

A customized paint job for a motorcycle can cause several hundred dollars. In some cases, special paints are used that are extremely expensive. If the bike is damaged or involved in an accident, your insurance company may not pay the entire amount to restore the paint job to its prior state. In most cases, insurance policies only cover repairs to the bike itself and a conventional paint job. Unless you have purchased additional coverage, your insurance may refuse to cover the cost of the more expensive paint.

Meeting Your Deductible

Most motorcycle and auto insurance policies have a deductible that must be met before the insurance policy will begin to cover damages. In the case of a customized bike, the money used to pay the deductible will go towards the general repairs first. Whether the owner of the bike receives the check or it goes directly to the shop making the repairs, any cost over and above what it takes to repair the bike and provide a general paint job will fall on the owner.

In Denver, CO, residents are encouraged to call the agents of AFI Insurance if they have questions concerning what is covered by their motorcycle insurance policy. Individuals who have customized bikes can call the office and find the answers to all of their insurance questions.

Three important things you need your motorcycle insurance to cover

If you’re a biker on the market for the right motorcycle insurance policy, you need to be aware of what your insurance policy covers and what it doesn’t.

There are some potential costs that may come up while you’re riding if you experience accident damages. The following are three things that your insurance may cover or may be designed to cover depending on your policy details:

Your liabilities out on the road

The number one thing your insurance policy must cover that’s required by low is your liabilities. Your insurance must cover any damages you cause while biking. This should include both property damage as well as physical injury.

Any basic motorcycle insurance policy will provide liability coverage. However, the amount of coverage that’s required by law can vary by state.

Injuries to guest passengers

Motorcycle policies will generally offer coverage for injuries caused to a guest passenger. In the state of Utah, coverage for guest passengers on a motorcycle is required to be a part of the rider’s motorcycle insurance coverage.

Damage to your bike

If you choose collision coverage as part of your motorcycle insurance policy, your insurance policy will offer coverage for any damage your bike experiences when you become involved in an accident.

Collision coverage ensures that you will always be compensated should your bike become damaged out on the roads. However, collision coverage is generally not required by law. You can decide whether you want to add collision coverage to your policy. Adding collision coverage is likely to increase your monthly premium.

If you’d like to learn more about motorcycle insurance policies that are available to those residing in the Denver, CO area, you can contact AFI Insurance with your questions and concerns.

Do I need to cover my boat year round?

You may not even think of your boat during the times you are unable to use it. That may only be a few months out of the year, by the time you have to take account of weather conditions and when you can take off from work. So you are probably asking yourself if it is worth ensuring your boat during all those times when you are not even getting to enjoy it.

The friendly agents at AFI Insurance help people in Denver, CO find insurance policies that best meet their needs, and you may already have a homeowner’s policy which covers your boat if something were to happen to it while it is stored in your garage during the winter. Is year-round boat insurance an unnecessary expense?

  1. If you still have a loan on your boat, you are probably required under the terms of the loan to have full coverage to cover anything that happens to the boat, until the loan is paid off. Failure to do so could cause the lender to force an expensive policy onto your loan.
  2. If you keep your boat at a marina or boathouse, your insurance policy will cover any damages that occur because of a fire, vandalism or theft. These kinds of events are unpredictable and can happen at any time.
  3. Even if your homeowner’s policy covers basic loss while your boat is stored at home, a real boat insurance policy will also cover damages related to collisions with another boat, damages to someone’s property, and bodily injury in case of an accident.
  4. Keeping your insurance policy year after year can mean that you start receiving loyalty discounts, or even save money on your deductible.

If you are in Denver, CO and want to find out how to save money while protecting your boat, call AFI Insurance today.

Must Have RV Insurance Coverage for Your Spring Road Trip

RV ownership gives you greater freedom to explore the beautiful state of Colorado to the full. With RV insurance from AFI Insurance, Denver, CO, you can enjoy your travels to the full. The more you travel, the more you’ll appreciate insurance protection to keep you safe on the road. If you’re not sure how to customize your insurance package, here’s some great advice.

Basic liability is a must for RV drivers as you never know when you’ll accidentally hit another vehicle on the road. Even careful RV drivers can be susceptible to accidents, especially on slick or winding roads. With liability coverage, you won’t have to pay for damages to others out of pocket if you’re found at fault for an accident.

If you financed your RV with a bank or dealership and are still paying off the loan, collision coverage will most likely be required. It’s also worthwhile protection even if you own your RV outright.

Many RV owners customize their motor home to give it that personal touch. Custom equipment coverage will protect any major upgrades you’ve made to your vehicle so you can recuperate these costs.

As so many things can happen during an RV road trip, you may want to consider additional protection while you’re on the road. Personal effects insurance protects personal belongings like clothing, laptops, cell phones, etc. in case these are damaged or stolen while you’re off fishing or taking a nature walk. If your RV develops mechanical problems anytime during your travels, roadside assist pays for repairs to get you back on the road so you don’t lose precious time off of your road trip.

For a customized RV insurance package that coincides with your active lifestyle, contact your AFI Insurance agent in Denver, CO.

Should You Keep Your Jet Ski Insurance in the Winter?

When you have a toy that has an engine in it, it is always a good idea to have insurance on it. This will help protect you if someone is injured n it and if something happens to it and you need to replace or fix it. The same is true for a jet ski. Since a jet ski is usually used mostly in the summer months, many people wonder if they should actually keep the insurance on it during the time they are not using it. Here at AFI Insurance, serving Denver, CO, we recommend keeping it and below is why

Even though you are not using your jet ski on a regular basis, you should still keep it covered by an insurance policy. This is because you do not know what will happen to it when it is stored away. If a tree falls on it during this time and you do not have coverage, then you will simply have to replace it on your own without the help from your insurance policy. Additionally, you cannot keep an eye on it at all times and if someone were to take it out for a spin and damage it or even injure themselves, you would be help liable, even though you had no idea it was happening. Because of these reasons, it is always a good idea to keep it covered no matter what season it is.

If you have a jet ski and you would like to get an insurance policy on it, be sure to contact us today at AFI Insurance, serving Denver, CO. We can help you find the right policy that will best protect you and your jet ski while also making sure that the policy fits within your budget all year long. 

Benefits of Jetski Insurance

One of the most fun activities that you can enjoy on a nice sunny day in the Denver, CO area is to go out on a beautiful lake and enjoy a Jetski. While riding a Jetski can be a very exciting experience, they are also important assets that need to have the right type of insurance coverage. There are several benefits that you will receive With Jetski Insurance coverage.

Property Damage Coverage 

 One benefit of having insurance coverage on your JetSki is that you will receive property damage coverage. A recreational vehicle is often a target of that, vandalism, and other types of damage. Since the cost of replacing or repairing these incidences is significant, having a proper insurance policy in place will be beneficial. You should get an insurance policy equal to at least your original purchase price of the JetSki. 

Liability Coverage 

When you ride a jetski, or another type of recreational vehicle, you are always taking on some type of risk that it could be involved in an accident. If you are found to be at fault, you could be held responsible for the medical bills and property damage that resulted from the accident. When you have a proper insurance policy with liability coverage, you will receive liability coverage for this. You can request a predetermined amount of liability coverage for both any property damage that is caused or bodily injury expenses and medical bills that are incurred.

When you were looking for jetski insurance in the Denver, CO area, a great place to start your search would be at AFI Insurance. AFI Insurance is a leading consumer insurance agency that can help you better understand your insurance needs and help you get into a policy that will provide you with the necessary types of protection.

What Are The Benefits Of Motorcycle Insurance?

Motorcycles are a popular choice of transportation in Denver, CO. Just like most personal vehicles, the state requires all motorcycles to be insured. While basic liability insurance may help you meet the minimum legal insurance requirement, we at AFI Insurance want you to know the benefit of insuring your motorcycle above and beyond the minimum. 

Liability For Accidents You Cause

Everyone makes mistakes. Accidents can happen to even the most responsible people. In the case of a vehicular accident involving a motorcycle, the resulting cost of bodily injury and property damage can quickly escalate. If you only insure your motorcycle for the minimal limit, you could easily end up paying tens of thousands of dollars out of pocket for the injuries and damages to others in an accident where you’re at fault. 

Coverage For Accidents When You’re The Victim

Many motorists are underinsured or uninsured regardless of what they’re legally supposed to carry. An insurance policy that includes underinsured/uninsured coverage will help pay for your own injuries and damages when the at fault driver cannot. This coverage can extend to events of theft or vandalism to cover the cost of replacement or ensuing legal actions. 

Umbrella Coverage Options

Customers in Denver, CO can extend your policy to cover valuable assets that may not always be covered by the usual insurance options. Examples of umbrella policy options can include the repair or replacement of accessories such as saddlebags or a sidecar. Custom equipment and unique decorative features can also be covered in the event of an accident or vandalism. You may also consider insuring your safety gear such as helmets or riding chaps or jackets.

At AFI Insurance we are dedicated to helping our customers understand the importance of insuring their most valuable possessions. Contact us today to learn more benefits of motorcycle insurance!