Insure Your Toys….and Everthing Else!
With all the insurance advertisements you see on TV these days you may feel a little overwhelmed. What type of insurance do I need? Car insurance, home insurance, health insurance, life insurance….do I really need it all? Can I do it all through one company? Well if you live in Massachusetts you the answer is YES! As a Western Mass Insurance provider in Sunderland, MA our insurance experts can take care of all of that and more.
But where do you draw the line on what needs to be insured? Everyone has expensive toys laying around (and no I do not mean Rock Band). I am talkign about cars, boats, RV, snow mobiles, motorcycles, off road vehicles, and snow plows. All these things need to be insured or you could be looking at a huge liability one day.
Let’s start with the basic, probably the first insurance your parents made you pay for…Car Insurance. These are actual statements taken directly from car accident claims.
“As I approached an intersection a sign suddenly appeared in a place where no stop sign had ever appeared before. I was unable to stop in time to avoid the accident.”
“A truck backed through my windshield into my wife’s face.”
“I started to slow down but the traffic was more stationary than I thought.”
“The guy was all over the road. I had to swerve a number of times before I hit him.”
“In an attempt to kill a fly, I drove into a telephone pole.”
To avoid being laughed at by people like me reading about your ridiculous claims on the internet, please drive safely and be aware of your surroundings. The easiest way to reduce your car insurance premium is to not get in any accidents, DUH!
Despite the fact that it was 70 degrees in Western Mass yesterday, the winter is just around the corner. If you libe in the Western Mass area and enjoy the winter you may have a snow mobile or plow and what you need is snowmobile insurance or business insurance if you own a snow plow! I don’t know much about snow mobile but I know they can be lots of fun and very dangerous. What would happen if you were driving along and lost control? Wheather you have a snow mobile or plow it is important to get them insured because icy road and snowy conditions make for alot of accidents.
On a warmer note, another type of insurance that is near and dear to my heart is watercraft insurance. I live on Cape Cod and spent three summers working in a harbor and I have seen my fair share of boating accidents.
One time in particular, I was watching boats go in and out of the channel. A smaller boat was heading out and a larger mini yacht was heading in. The smaller boat had to scoot over just a little but the inexperience captain cut the wheel all the way to the right, a gust a wind came and the next thing he knew he was sitting on a sandbar that lined the channel.
There are plenty of boaters out there who are inexperienced and think navigating a boat is just as easy as driving a car, but it is definitely not! There are a lot more factors that go into determining how your boat will move and they take years of practice to get used to. You have to think about currents, wind, the size of your craft and others around you. In order to protect your craft from other inexperience boaters or maybe even yourself, I would highly recommend boater’s insurance. Also, it is not a law in Massachusetts for boat owners to be certified in water craft safety but I would advise it. You can do it online at Boat-ed.com. And one more thing…ALWAYS WEAR A LIFEJACKET or have one readily accessible!
What ever other toys tou have from off road vehicles to RV’s to motorcylces, it is important to get them insured and anything else of great value to you!
Brought to you by the lovely interns at Dale Frank Insurance!
