Everything You Need To Know About Umbrella Insurance in Bradley, WV

Umbrella insurance is exactly what it sounds like – added protection during stormy weather.  Unexpected lawsuits or personal injury claims may not be protected under your current insurance policy for your home, vehicle, boat, or RV in Bradley, WV.  That’s why it’s important to purchase affordable umbrella insurance so you can rest easy knowing that you have an ally with Redden Insurance Agency if the unexpected suddenly happens.  

While some people simply purchase enough insurance to keep them legal under the law, the purpose of umbrella insurance is quite the opposite.  It’s meant to cover legal requirement and then some.  If you spend a long weekend boating at one of West Virginia’s many lakes and someone is hurt, are you liable?  Are you covered under your current boating insurance policy?  Are you prepared to hire a lawyer if there is a personal injury claim?

If your answer is "I don’t know" or "no", you may want to go over your policy in detail and consider adding umbrella insurance.  The same can be done for all your assets, including personal and business assets.  If disaster strikes a business asset and you’re not properly covered this could be great financial strain for you and your employees, as well as both of your families.  At Redden Insurance Agency, we will help you understand your existing insurance policies and how these policies can be improved with umbrella insurance.  Protecting your assets for today and in the future is important in our modern, sometimes unpredictable economy.  It’s better to keep all assets safe under umbrella insurance than risking everything if an accident occurs.  

 

 

Prepare for Summer Boating With These Three Safety Tips

Summer is almost here and that means boating season is upon us. Staying safe while you are boating is important. It can help ensure the safety of you and your passengers. It can also help you avoid boating accidents, which can increase the cost of your boat insurance. Here are some tips that will help you stay safe this boating season.

Avoid Alcohol

For many people, boating and drinking go hand in hand. However, while it may not be illegal to drive a boat after having one or two beers, you should avoid it. The alcohol can impair your judgement and your ability to make decisions quickly. This can increase the chances of you getting in an accident.

Take a Boat Course

If you haven’t driven a boat in awhile, take an online boating course. This type of course can help you brush up on your skills, and teach you safe and defensive boat driving techniques. And best of all, when you complete the course, your insurance company may reward you with a lower boat insurance premium cost. It is a win-win situation.

Don’t Speed

One of the top four causes of boating accidents and death is speeding. When you are driving your boat, always obey the speed limit set forth in the area. And if there are a lot of people out, decrease your speed so you can spot swimmers and other boaters. This can help keep the waterways safe for all those looking to cool off this summer.

If you are in the market for a new boat insurance policy, or are looking to ensure your coverage meets your needs, contact Redden Insurance Agency today. They serve the Bradley, WV area and are more than happy to look over your current boat insurance policy or help you find a new one.

Road Rage 101: The cost of driving reckless

We all think we know what constitutes road rage, but did you know it was considered an act of violence. The National Traffic Safety Administration considers road rage to involve an act of violence, which takes the idea of tailgating and running red lights to a new level. Beyond involving a criminal act, our team at Redden Insurance Agency has found that there are real costs you may not consider when you are weaving in and out of traffic.

A Traffic Violation Costs More Than Money

If you receive a ticket for driving aggressively, then the cost of that ticket is significantly more than the court fees. You will have points on your license, which can affect your household’s budget when it comes to the cost of insurance. Additionally, you could potentially place your ability to drive on the line, which could also affect your household negatively.

You Could Injure Yourself or Others

Another potential consequence of driving with road rage is the fact that you could get into an accident. Whether you are tailgating or running a red light, you have less stopping distance than usual. As a result, the odds of you getting into a car accident while you are driving aggressively increases. If you get into an accident, you could be held responsible for injuring the other party.

No one feels Safe Riding with You

Although you may find it entertaining to speed and drive recklessly, you will find fewer and fewer people feel safe riding with you. Soon, you will notice that your friends will start riding with other people. Being alone because you refuse to obey traffic rules is no fun. Instead, you should work harder at being a safe driver, which includes driving at the speed limit.

Packing mistakes to avoid

Nobody likes to physically move. Whatever is at the end of the move might prove especially exciting, but the overall process is the worst. However, sometimes you just have to suck it up and do it. It doesn’t mean you should get sloppy packing though, as this can cause all sorts of problems in the long run. At Redden Insurance Agency, we want to do everything in our power to protect your belongings, whether you’ve moving to Bradley, WV or somewhere else. As long as you avoid these common packing mistakes, you’ll reduce the chance of potential damage.

Pack a Weekly Bag

The thing about making a major move is all your essentials go into boxes. Even if you label the boxes, you might not locate everything you need when you need it. Instead, pack a bag for the first week. This way, you’ll have what you need and won’t need to rush springing every single box once you arrive.

Start Packing Now

Like that test you forgot to study for in high school, the last thing you want to do is wait to start packing until the last minute. As soon as you find out about your move you should start packing. Even if its a year away, pack a box or two over each weekend at first, starting with the closet, crawl spaces and other areas. Spacing it out prevents you from having to do it all at the last minute.

Watch That Box Weight

It is so easy to overload boxes. You’re tossing items into boxes, but you are not picking the boxes up while you go. Last thing you want is to close up that box and find it weighs a few hundred pounds. So, disperse the heavy items into different boxes, such as combining books and clothes to spread out and lighten the load.