Does motorcycle insurance cover my passenger?

You are driving down the highway when the unexpected happens. A car veers into your lane and the rest of the story is a tragic account of how you lost control of your bike and ended up in a ditch. Thankfully, you and your passenger are alive and able to tell the story of how you escaped. Both of you, however, need immediate medical attention and require several weeks of recovery. You cannot help but wonder if your insurance policy in Denver, CO is enough to pay for everything. Does motorcycle assurance cover your passenger?

The agents at Alliance General Insurance Agency can provide a full explanation about how motorcycle indemnity plans work when passengers are involved. Read on to learn how passengers are generally covered under Guest Passenger Liability and Medical Payments stipulations. 

What is Guest Passenger Liability Coverage?

Guest Passenger Liability coverage pays for your passenger’s medical expenses in the instance that an accident is your fault. This assurance option does not work, though, if someone else caused the accident. Your passenger will need to pursue compensation from the at-fault driver for medical expenses in such a case. Many General Passenger Liability coverage options are included in bodily injury insurance plans. There are times, however, when you have to purchase the coverage separately. It is always best to ask your Denver, CO insurance provider about coverage for your passenger to ensure that you are fully protected. 

Coverage for Medical Payments 

Coverage for medical payments means that you do not have to come out of your pocket to pay for hospital visits and other treatment related to a motorcycle accident. Your insurance policy may pay for:

  • Hospital Visits
  • X-rays
  • Surgery
  • At-home Nursing Care
  • Health Insurance Deductibles and Co-payments

An agent at Alliance General Insurance Agency can help you find the motorcycle assurance policy that works best for your lifestyle. Call them today to get started with a quote!

Frequently Asked Questions About Umbrella Insurance in Colorado

If you have questions about Umbrella insurance in Denver, CO contact us at Alliance General Insurance Agency we can clear up any confusion you have about this type of insurance and offer you a quote for your individual situation. Umbrella insurance is a type of insurance that adds additional liability. Many policies offer a minimum of a million dollars in extra coverage over your existing policies. The umbrella policies start where your home, business, or auto leaves off many people choose this additional protection for a variety of reasons.

Umbrella Insurance FAQs

  • Who would need umbrella insurance? Anyone with a current insurance policy who feels as though the coverage limits will not meet the actual loss. For example, if your car has value over what is appraised to you or someone then additional auto coverage is a good idea. If your home appraisal or business insurance will not leave you set to continue running your business or having a place to live in the area then an umbrella policy will be a piece of mind over your basic coverage. 
  • How much umbrella insurance might I need? This is a number to work out with your agent after establishing what a general policy will cover and your needs above that amount.
  • What can umbrella insurance in Colorado cover?  Bodily injury, charges of slander and liable, business coverage, and property damage are all common coverages under an umbrella policy because these situations can exceed a policy in some cases and it is a risk many people do not want to take with their business or home.

Contact us at Alliance General Insurance Agency for more information about umbrella insurance. We provide insurance policies for people in and around Denver, CO. Call today. 

When You Need Condo Insurance and What It Covers

If you are the owner of a condo, it is a great idea to look into the purchase of condo insurance. Condo insurance is a type of insurance coverage which will help protect your condo, as well as the personal property within it.  It goes beyond the condo fees you pay on a monthly basis, helping provide additional protection for the interior of the residence.

When You Need Condo Insurance

You need condo insurance when you own a condo.  If you live in a condo in Denver, CO or elsewhere, condo insurance is an absolute must. The Alliance General Insurance Agency can assist in your search for the right provider and insurance policy, but understanding the need for condo insurance is the first start.

What Condo Insurance Covers

What coverage can you expect when you begin to shop for condo insurance?  When you think of condo insurance, you want to be thinking about the interior of the residence.

The interior of the condo contains a lot of valuables you want to care about a great deal.  These will start with the personal belongings you have inside.  If you have anything inside of the condo, the insurance coverage you buy will help provide protection in this space
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There will be interior coverage as well for areas inside of the condo. These will include things such as the structure of your unit, as well as coverage to cover your portions of common areas as part of the condo.  

The insurance you get with condo insurance goes beyond condo fees and coverage you get there, which encompasses the exterior of the condo.  With the interior, you want to seek out condo insurance and what it can provide.

Commercial Insurance And The Professional Blogger

Professional blogging is a new enterprise – well relatively new – that has exploded on the Internet scene. People from all walks of life have decided to make blogging their employment and their love. However, when it comes to commercially insuring your blog there are a few key considerations that you should review for yourself. Is your blog informative? Is it trying to fix a societal issue? Is it more personal? Is it trying to fix or speak to a personal issue wherein you may encounter someone on the Internet that is having a problem and is seeking your blog for answers? Is your blog concerned with correcting a logistical wrong? Is it about do-it-yourself home repairs, auto repairs, or how to fix a boat? If you can think if you can find it on the World Wide Web in the form of a blog.  It is important to ask yourself these questions because they present areas of liability. Speak with a professional who can help you protect yourself and your blog. 

If you are blogging on the side of it is your main source of income you should speak with an agent about how commercial insurance can help you protect your enterprise. Whether it is work or play we know that what you create is important to you. We also understand that protecting yourself where there is a vulnerability is a critical part of being a responsible adult. No one works harder than the residents of Denver, CO and no one works harder than the agents at Alliance General Insurance Agency. Stop in today. If you prefer to speak with an Alliance General Insurance Agency agent, call us on the telephone at 303–377–1172. In addition to commercial insurance, we specialize in motorcycle insurance, renters insurance, classic car insurance, condo insurance as well as umbrella insurance.

 

When Should You Get Commercial Insurance?

Knowing when to get commercial insurance in Denver, CO can be tricky, because it will depend on your business risk and what type of insurance you want to get. If you aren’t sure when to get commercial insurance, speak with an agent at Alliance General Insurance Agency.

You will need workers compensation insurance when you start to get employees. Since workers compensation helps pay for any injuries to employees or on the job accidents, it’s necessary to have. It’s also required to have in the state if you have one or more full time or part time employee, including any family members.

Getting commercial auto insurance can depend on a few different things. If the vehicle is registered in the business name, then you need commercial auto insurance. If it is registered under a personal name, you may still need it if the vehicle is being used for business purposes. If employees are also driving the car, it should be insured by a commercial policy. Business use includes carrying equipment or using your car for any type of deliveries. It’s not just driving to and from work.

You should have general liability insurance from the start of your business. Since general liability insurance protects against a wide range of things, as soon as you start your business you should consider it. For smaller businesses, a business owner’s policy can provide general liability as well as commercial property insurance. Commercial property insurance not only protects the building your business is in, it also protects any equipment and inventory you have stored.

Your home insurance policy won’t provide enough coverage for your at-home business, so when your business starts to grow from more than a side hobby, you should consider at least a business owner’s policy to stay protected.

Contact Alliance General Insurance Agency, serving Denver, CO, to get a quote on commercial insurance. 

Can You Bundle Condo Insurance?

Life in Denver, CO, comes with plenty of opportunities for fun. Hiking, rafting and winter sports galore are just part of the deal. All of that fun can also entice you to buy big toys and amazing extras. If you have or are considering splurging on a condo, there are a few things you need to know. One of those is that there’s a good chance you’ll need a specific insurance policy for the condo. That might lead you to wonder if you can bundle the new insurance with policies you already carry. Here’s the definitive answer.

It Depends

It’s annoying that this seems to always be the answer to insurance questions, but every company has the right to set the terms for the policies they offer. That means there are few guarantees in general advice like this. That said, most of the major insurance providers love bundling policies, and there’s a reasonable chance that you can bundle condo insurance with other policies like homeowner’s, auto or life insurance. The best way to be 100-percent sure bundling is an available discount is to check with your Alliance General Insurance Agency representative.

Saving Money

While you’re at it, you should ask about other discounts. Again, there can be no absolute promises, but common discounts include military, professional, safe-driver, emergency provider and a number of other options. The best way to get a good deal on any insurance bundle is to have someone scour the depths of policy documents and find everything possible for you.

Alliance General Insurance Agency serves the entire Denver, CO, area. That means you can shop in one place for insurance for your car, home, condo, snowmobile and anything else that might help you live life to the fullest in this amazing area.

 

At what age is it too late to buy life insurance?

Almost no one uses physical mail anymore, instead preferring to communicate by email and pay bills online. Almost the only mail people get are coupons and ads, including ads offering great insurance rates for the very young.

At Alliance General Insurance Agency, we help people of all ages in Denver, CO with every kind of insurance need. You are never too old to buy life insurance, but there are some important tips you can learn so you can decide when you want to purchase a policy for yourself and for your loved ones.

The Advantages of Buying Young

When you buy a life insurance policy for a baby, you can lock in the lowest possible premium. As you get older, the price goes up depending on your age. You can also get a smaller premium by starting earlier and getting a longer term if you are getting term life insurance.

Whole life or permanent insurance policy will also cost less if you sign up when you are younger. Because a whole life insurance policy will pay out whether or not you die, the early you start the quicker you can accumulate a larger cash value.

Is It Pointless to Buy When You’re Older?

One of the disadvantages of buying when you are older is that you will almost certainly have to undergo a physical exam. You are simply more of a risk if you are older and/or unhealthy.

You can be strategic when buying a policy if you are older. The death benefits will still help your family at a very important time, but you can plan how much is necessary. An agent at Alliance General Insurance Agency will be happy to help you get the best life insurance for your needs in Denver, CO.

My Employees Deliver With Their Personal Vehicles. Do I Need Commercial Insurance?

Did you know that delivery services are one of the most dangerous jobs in Denver, CO? With plenty of traffic and endless construction, it should come as no surprise that accidents are a common occurrence. If your company owns delivery vehicles, they absolutely need a commercial policy, but some companies make deliveries with employee-owned cars. When that is the case, do you still need a policy? Alliance General Insurance Agency has the answer.

Liability

The first thing to understand is that you may be held liable in the case of an accident. Even though your business doesn’t own the vehicle, the driver is representing your company. In the case of a lawsuit, the company is more frequently targeted than the employee. It’s a simple numbers game — businesses usually have more money than any individual driver. For this reason, you need some kind of liability insurance for your drivers. This doesn’t necessarily have to be a commercial policy, but that is a common way to address the issue.

Damages

The business is a more likely target for a lawsuit, but that isn’t the only way you can be hurt financially. If your employee driver is at fault, things can get rather complicated. Typically, a combination of driver and vehicle will be responsible for covering damages. In your case, you might think that it leaves you in the clear, but some situations can get complicated and leave you with the build regardless. What is more important is that personal insurance will not cover your employee or their vehicle. They absolutely need commercial insurance. The question is whether they will have to purchase it themselves or if you will provide it as a perk.

If you want to make sure your business and employees are protected, have a chat with your Alliance General Insurance Agency agent. They can help you find the most reasonable way to keep your people safe as they make deliveries throughout Denver, CO.

 

How to Be a Responsible Renter

Renting a new home or apartment in Denver, CO can be extremely exciting, especially for those who have never had their own place before. From painting to decorating and adding new pieces of furniture to the room, you get to make it your own space and you, of course, want to do all you can to make it as comfortable as possible. In addition to decorating and organizing the home, there always comes the responsibility of performing upkeep on the home or apartment you’re renting as well as paying bills. What if something were to happen, like a burglary? Do you have the finances to replace the items that were stolen? That’s what we’re here to talk about. Here are two tips brought to you by the Alliance General Insurance Agency about being a responsible renter.

Always Pay Your Rent On Time

One of the most responsible things you can do as a renter is paying your rent each month on time. Not only does paying your rent on time each month help the landlord out, but it helps you maintain a reasonable budget that allows you to rest easy each night knowing you have paid your rent according to its due date. 

Invest in Renters Insurance

Another responsible thing you can do as a renter is investing in a renters insurance policy. This type of insurance provides protection not only for your belongings but you as well. It is comprised of a group of coverages, like liability coverage and even protection to cover additional living expenses in the event the home or apartment you are renting becomes uninhabitable for a temporary period of time. Take for example if your apartment is flooded and you have to move out while it is being remodeled. With renters insurance, you may be able to tap into funds that cover your living expenses while you’re waiting for the remodel to be completed.

Contact the Alliance General Insurance Agency today, serving the Denver, CO area, to learn more about renters insurance. We can help you acquire a quote and get started.

Can You Adjust Motorcycle Insurance During a Payment Cycle?

Your insurance needs are certain to change from time to time and what might fit your needs one month may not be what you need at another time. In order to combat this, you can adjust your insurance as needed to reflect your specific needs at any one time. If you have motorcycle insurance, odds are you are paying for six months to a year at a time because it is relatively inexpensive that way. For those in the Denver, CO area, the agents with Alliance General Insurance Agency can help you change your coverage as needed.

Insurance coverage is something that fluctuates from time to time based on what your individual needs are. When it comes to something like motorcycle insurance, you are likely paying in larger blocks than you may be for auto insurance which is usually paid monthly. If you are paying in larger time increments, you may want to know if you can change coverage during this time period. The answer is yes. You can change your coverage at any time. The real issue comes with the change in the cost of premiums. Often, if you have already paid up for a certain amount of time, changes will not take effect until the time frame has expired.

You can also let your agency know that you need the changes to take place sooner, but you may not be able to recover the cost of premiums that have already been paid. If you live in the Denver, CO area, the agents with Alliance General Insurance Agency can help you find the perfect coverage no matter what. We can also help you adjust and change coverage as needed so that you are always covered.