Month: May 2018

RV Insurance Coverage Options

Posted on by AgentInsure
Recreational vehicles (RVs) refer to a wide variety of motorhomes, ranging from bus conversions to camper vans. They come in different sizes and designs. RV insurance offers most of the benefits found in your standard auto insurance but also adds some extras your motorhome may need. If you own or you’re planning to purchase an RV, it’s important to have the right coverage for it with ALL Connecticut Insurance. Plus, having RV insurance in West Hartford, CT is compulsory. And just like auto insurance, your premiums will depend on different factors. There are several coverage options for insuring your RV. They include:
 
Liability: Due to their large sizes, these vehicles can cause very severe accidents. This policy covers any injury costs or damage costs towards others in the event you are responsible for an accident. This coverage is mandatory.
 
Collision: Covers damage costs in case your RV is hit or hits another vehicle or object.
 
Uninsured/underinsured: Other drivers may not have enough or even lack insurance to cover damages to your RV if they cause an accident. This coverage will cater for those damages. Plus it can help in a hit-and-run situation.
 
Comprehensive: If you use your RV frequently, for instance, if you live in it, it would be wise to cover it against non-collision damages like fire and vandalism.
 
Total loss replacement: Since RVs are quite costly, this coverage will cover the full, original price of your RV without depreciation in case it’s lost or written off.
 
Apart from these major coverage options, some additional coverage options you can include are roadside assistance, personal effects, vacation liability, emergency expenses, etc.
 
An experienced agent at ALLConnecticut Insurance will help you understand the kind of risks your RV may face in West Hartford, CT and help you make an informed decision. Contact us today for more information or to get the right policy for your RV.

The Answers to 3 Unusual Auto Insurance Questions

Posted on by AgentInsure

Auto insurance can feel like a bit of a mystery to people, and this mystery can result in a person picking the cheapest possible policy. But knowing the more unusual scenarios can make it easier for people to decide one way or the other about how much coverage they really need. Here are three answers from ALLConnecticut Insurance that you may not have even thought to ask. 

What Happens When Someone Else Drives My Car and Gets Into an Accident?

The answer to this question will depend on the circumstances, but usually, it’s the person who owns the car who’s responsible for the car. If the driver has their own insurance, then the insurance may cover part of the damages, but it’s not always a guarantee. 

What Happens When I Drive Out of State?

Your insurance benefits will carry over in all 50 states in the US, but you’ll need additional liability insurance if you choose to drive to Mexico (unlikely if you live in West Hartford, CT, but certainly not impossible.) You can even drive to Canada without risking your benefits. 

What’s the Right Insurance Company?

Just like with most questions about insurance, the answer is that it depends. Every driver has their own preferences when it comes to their insurance policy, so they need to find someone who can fit all of their requirements and still meet their budget.

What isn’t negotiable when it comes to auto insurance is that you need someone who’s there to answer your questions. ALLConnecticut Insurance can help the people of West Hartford, CT find a policy that will be there for them during the worst of times. But hopefully, it’s clear that the bare minimum for auto insurance can really end up being an expensive decision for some.