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Denver, CO 80212

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Colorado Insurance Blog

Why is RTV Insurance Important?

RTV (return to value) insurance is a form of gap insurance for vehicles that are owned for more than 3 months but are not more than 7 years old. This coverage applies to all modes of car purchase – a bank loan, cash, and contract hire leasing agreements. If the insurance company declares your vehicle a total loss because it got stolen or damaged beyond repair, the RTV insurance will provide coverage against the depreciating value of the vehicle. If you’re living in Denver, CO or surrounding areas, you can get this coverage from insurers like AFI Insurance.
What’s the importance of RTV insurance?
This insurance plan offers coverage against any financial loss if your vehicle is stolen and cannot be recovered or when the vehicle is unsafe to repair, meaning that the repair costs are higher than the vehicle’s value.
Below are some benefits of RTV insurance:
  • Refunds depreciation
  • All benefits are paid to the customer directly
  • • The cover is provided for 4 years
  • Once a vehicle is on coverage, there are no mileage limits
  • It protects the customer’s investment
  • It replaces the auto with a similar vehicle
  • Once the vehicle is delivered, one can buy the insurance coverage for up to seven years
  • The coverage is backed by FCA’s protection norms
  • The coverage is designed for vehicles that were bought privately or from any garage that doesn’t have VAT registration.
Reason RTV insurance is valuable
If you have this coverage, you can be sure that you will be protected in case your car is lost or destroyed beyond repair. Most stolen cars are never recovered despite the best efforts, so the insurance providers often declare them a total loss. This is why you need RTV insurance.
You can now get your RTV insurance from AFI Insurance that serves Denver, CO and surrounding areas. Contact us today for a quote.

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.

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