Having health insurance means you are more likely to see the doctor

One benefit of having health insurance is that people with it are more likely to seek out healthcare services than people who don’t have it. The Redden Insurance Agency serving Bradley, WV explains why.

Early discovery of the disease, whether it is a heart ailment or cancer, makes it more likely that it can be effectively treated. If you don’t have health insurance, you may be more likely to resist paying the out-of-pocket expense of going to the doctor until it is too late. Also, you are less likely to have annual checkups and scheduled tests that can catch diseases even before symptoms manifest.

People without insurance, therefore, are more likely to get seriously sick and thus more likely to die or become permanently disabled. Regular doctor visits also provide access to the healthcare advice that only a licensed MD can provide. A relationship with a primary care physician will provide the doctor with your medical records and thus a better understanding of your healthcare needs. If you lack insurance and thus see a doctor only when you are seriously sick, a lot of time will be spent taking down your medical history and other information that a regular primary physician will have at his or her fingertips.

A primary care physician will likely have relationships with specialists in an insurance network that will be of great help should you need their services. A healthcare network enables sharing medical data with ease.

If you have any more questions about the benefits of carrying health insurance, feel free to contact the Redden Insurance Agency serving Bradley, WV.

An Introduction to Auto Insurance

Every state in the US requires some form of auto insurance coverage. Redden Insurance Agency of Bradley WV wants West Virginia drivers to understand the minimum coverage requirements and how that modest coverage may not suit your needs.

The Auto Insurance Requirements

In WV, you must carry a policy that provides liability coverage, bodily injury coverage and uninsured motorist coverage. Here are the required amounts of coverage.

  • liability for bodily injury in the amount of $25,000 a person with a per accident cap of $50,000,
  • liability for property damage per accident in the amount of $25,000,
  • uninsured motorist coverage for bodily injury of up to $100,000 a person with a per accident cap of $300,000,
  • uninsured motorist coverage for property damage with a per accident cap of $50,000.

How They Check for Insurance

Any law enforcement officer in WV can pull your car over to conduct an insurance check as long as they have caused. This can be as simple as informing you that you have a broken taillight. You must provide proof of your insurance which the officer will verify electronically. Without proper insurance, you will be subject to a suspension of your driver’s license and/or a fine.

Other Insurance Coverage

You are not limited to only the bodily injury and property damage liability plus uninsured motorist protection required by state law. You can also purchase the following types of insurance coverage:

  • Personal Injury Protection to cover your own medical costs if you sustain accident injuries.
  • Collision to pay for repairs to your vehicle or vehicle replacement if totaled.
  • Comprehensive to repair or replace your vehicle if it gets damaged by severe weather, stolen or vandalized.

Redden Insurance Agency of Bradley WV wants you to have the coverage you need. Call us today to find the auto insurance that protects your vehicle and your finances.

Protect your business with comprehensive commercial insurance

Redden Insurance Agency is a valuable resource for business owners in the greater Bradley WV area. Our team has the knowledge and understanding necessary to help local business owners determine the right commercial policies for their companies. If you are a business owner in our area, please feel free to call upon us for assistance with all of your insurance needs. We are here to help!

Ways that Comprehensive Commercial Insurance Can Protect Your Business

We can all agree that commercial insurance is absolutely essential when owning a business. However, it’s also important to realize that not all policies are created equally. Business owners may find that their protection needs are cyclical, or change from year to year, and they may not always make the necessary changes. Here are a few points to consider as you review your current commercial policy:

  • Protect your inventory — as levels fluctuate throughout the year, be sure you have coverage at the peak of your inventory levels.
  • Plant and equipment values often change as your company grows — many companies invest in specialized equipment as its business expands, be sure to account for the increase in coverage needs as new equipment is purchased.
  • Commercial vehicles should also be considered in insurance coverage decisions — a commercial fleet can have its own policy, or sometimes be included in a comprehensive commercial policy. It makes sense to proactively look into the right approach to protect your vehicles.

Want to learn more about the effective comprehensive commercial insurance options that are available to business owners in the greater Bradley WV area? Call or stop by the offices of Redden Insurance Agency today for a consultation. We can help you determine if your current commercial policy meets all of your company’s insurance needs.

Health Insurance Types and Requirements

Since the passage of the Health Insurance Portability Act, an increased number of individuals have obtained health insurance. Those who are self-employed typically obtain their own insurance.

Health Insurance Coverage Types

Redden Insurance Agency of Bradley WV wants to help you understand the options available to you for health insurance coverage. Not all insurance policies cover the same providers or treatments. You need to consider your family’s health history as well as your own when choosing your level of coverage. Four main types of insurance coverage exist.

  • Exclusive Provider Organization (EPO): This type of plan, referred to as managed care, covers all medical services provided by in-plan doctors and hospitals. The only exception is for emergency treatment.
  • Health Maintenance Organization (HMO): This type of plan provides what people typically think of as traditional health insurance. It pays for medical services provided by HMO physicians within its eligible service area. These may include a prevention and wellness program.
  • Point of Service (POS): This plan type reduces cost of treatment when you use in-plan network doctors and hospitals. To see a specialist, you must obtain a referral.
  • Preferred Provider Organization (PPO): This plan type also reduces the cost of treatment when you use in-plan network doctors and hospitals. You can choose to use outside of network doctors and hospitals, but it will cost more. You can see a specialist without a referral.

Call Redden Today

Learn more about your health insurance options, by talking to Redden Insurance Agency of Bradley WV. Let our insurance representatives help you choose the type of health insurance plan that best fits your budget and health concerns if any.

Umbrella Insurance Protecting You and Your Business When You Need It Most

Umbrella policies are a unique type of protection.  They exist on top of your other policies and only go into force when other policies have reached their coverage caps.  For example, if someone is injured at your home or business and you are deemed negligent, your home or commercial policy will cover their medical expenses.  If they sue, it will also cover their legal fees.  In another example, if your building or home is damaged or destroyed during a natural disaster, your coverage will help to rebuild.  However, when the policy cap is reached, the policy owner is responsible for anything above that.  In both examples, the amount can be too much for most.  An umbrella policy provides additional financial protection when other policies are maxed out.  Our agents at Redden Insurance Agency in the Bradley WV area are ready to talk with you.

Umbrella insurance, just like other insurance policies, are tool to protect you financially.  In the case of someone being injured on your property, your home insurance policy may cover $300,000 but if their medical and legal expenses are $500,000, you are responsible for the balance.  An umbrella policy covers these additional expenses and protects your assets.  A unique aspect of umbrella insurance coverage is that it provides protection in slander, libel or invasion of privacy cases. 

In the Bradley WV area, our team at Redden Insurance Agency is ready to help you with all of your insurance needs.  We can help you decide is if umbrella insurance is right for you.  Our agents will explain the policy details so that you can decide for yourself.  Explore the general information on our website then come by and see us.  Insurance offers important financial protection for you and your family.  Don’t delay!  Come see us today!

An Introduction to Motorcycle Insurance

That new 150cc motorbike you just bought your teen needs insurance. No matter where they ride it, you need to insure it. Here at Redden Insurance Agency of Bradley WV we can help you determine which of your two and three-wheeled rides need motorcycle insurance.

Legally, any two or three-wheeled vehicles of more than 49ccs must carry insurance. That means any motorcycle or trike you could legally drive on the WV roads needs insurance.

The alternative is you paying out of pocket for any accident your child causes. It also means replacing the bike at your own cost. Insurance provides the least-cost alternative.

WV requires minimum insurance on motorbikes, too. The law says you  must purchase insurance that covers:

  • property damage per accident of $10,000,
  • bodily injury and death liability coverage per accident per person of $20,000,
  • bodily injury and death liability coverage per accident of $40,000.

Just as there are other types of coverage for your car, there are motorcycles. You may also want uninsured motorist, collision and/or comprehensive coverage. If your teen will be riding their motorbike to and from school or work, you should also consider towing insurance. This means they would have tow service coverage in case of break down so you do not need to leave work to go get them and take the bike to the shop. It makes good sense to obtain full coverage.

We can help you determine the right level of coverage and help you understand the many facets of insurance types. Call us today at Redden Insurance Agency of Bradley WV to discuss your motorcycle insurance needs.

RV Insurance: The Coverage the You Need on the Road

Many families enjoy exploring nature in their RV.  RV insurance is needed before you ever head out.  Our team at Redden Insurance Agency helps RVers in the Bradley WV area get the coverage they need. 

RVs are required to have liability insurance.  The policy is similar to auto insurance with a few distinct features.  RVs are operated as a vehicle but it is also considered a temporary domicile.  The size and weight of the RV will determine the type of policy needed.  RVs are rated A, B or C with C class “midsize RV” being the most popular.

Most RV policies include replacement costs in case the vehicle is stolen or totaled in an accident.  It will also cover anything attached to the exterior such as a satellite dish or awnings.  It will also cover any personal items inside the vehicle such as clothing, sports equipment, camping gear and electronics.  Your agent will also talk with you about how often you and your family use the RV.  If you only use it once a year for an annual camping trip, this may change which policy and amount of coverage that they recommend. 

At Redden Insurance Agency, our agents are ready to help you get your RV covered.  We know that owning an RV in the Bradley WV area is a great way for friends and family to enjoy quality time.  Our website has some information but to get personalized attention, come in to visit with one of our agents.  They will be able to discuss the best options for coverage and answer any questions that you may have.  Unfortunately, accidents happen when you’re on the road.  Getting adequate insurance coverage before anything happens is a smart move.  Come in and see us!

Protect your WV home with a comprehensive policy

Homeowners in the greater Bradley WV area understand the many benefits of homeownership. However, there are still residents who have inadequate insurance to protect their family home. With a comprehensive home policy, WV residents can rest assured that they have the protection they need. Here at the Redden Insurance Agency, we are ready to work with clients to help them determine which policy is a good fit for their needs, and which policy levels make sense. 

Comprehensive Home Insurance Policies in West Virginia

Basic home insurance can help protect your family home from a number of different catastrophic events, but the protection can be significantly less than that provided by a comprehensive policy. Today is a good time to review your policy with a local agent to determine if it provides the protection that you and your family need. A comprehensive policy can provide features like compensation for alternative housing in the event that your home becomes uninhabitable due to a covered event. This is just one example of how a comprehensive home policy can ease the stress caused by a catastrophic event damaging or destroying your home.

It is important to verify that you have the coverage that you need prior to needing it! Finding out after damage has occurred that your insurance is inadequate can make a difficult situation even more stressful and damaging to your family. Review your home policy today and find out if comprehensive insurance is a good fit for your family’s insurance needs.

Is it time to upgrade your homeowner’s policy to make your coverage more comprehensive? Contact the team at Redden Insurance Agency today to find out more about the home insurance policy options that are available in the Bradley WV area. We look forward to working with you!

Driving Habits that Can Improve Safety on the Road

Good driving habits can reduce your risk of causing an accident. Fewer accidents on your driving record could help qualify you for reduced auto insurance costs. The following tips from Redden Insurance Agency, Bradley WV, can help you develop good driving habits that will improve your safety on the road.

Drive Defensively

When you drive defensively, you look out for the welfare of others and make safety a priority. In addition to following road rules, you make an effort to avoid dangerous situations that increase your risk of an accident. This includes driving distractedly, driving when you’re fatigued and driving under the influence of alcohol or drugs.

Slow Down

Speed is one of the biggest causes of accidents, particularly on the highway. By obeying speed limits, in both city and highway driving, you reduce your risk of accidents. Slowing down will enable you to maintain better control over your vehicle to avoid collisions or running off the road.  

Signal When Changing Lanes and Turning

Neglecting to signal when changing lanes or turning increases your risk of causing an accident. Your turn signals reveal what you plan to do when driving so other drivers can anticipate your actions and react accordingly, in a safe and timely manner.  Using your blinkers when changing lanes or turning increases safety on the road.  

Yield Right of Way

Yielding the right of way is another safe driving habit that can help protect you against accidents. It keeps traffic flowing smoothly, reduces your risk of rear-ending another driver and may even curtail instances of road rage, particularly during rush hour.

Safe driving habits combined with the right auto insurance coverage will protect you and others against mishaps on the road.  For help in obtaining the auto coverage you need, contact Redden Insurance Agency, Bradley WV.

Commercial Coverage Mistakes Every Businessman Should Avoid

One of the most important decisions you’ll make as a business owner is purchasing commercial coverage. Business insurance is a necessity to protect your business from risks that threaten your financial growth. At Redden Insurance Agency, Bradley WV, we can guide you in selecting the coverage you need. Working with an experienced agent can help you avoid the following mistakes in purchasing a business insurance policy. 

Compromising Coverage for Price

When it comes to insurance protection, getting quality coverage is more important than saving money. A cheap policy may save you money initially but could cost you much more over the long run. By comparing what different companies have to offer, you’ll more likely to find a commercial policy that offers the protection you need at a reasonable price.  

Purchasing a “Generic” Policy

Commercial insurance isn’t one size fits all. Before selecting a policy, it’s important to discuss your business needs with an agent you trust. At Redden Insurance Agency, we’ll assess your company’s services, risks, and financial portfolio to determine what type of coverage would be best for your company. We’ll then personalize your policy to provide the specific protection you need. Customizing your coverage ensures your company is getting optimal protection without paying for unnecessary “fluff.” 

Failing to Consider Income Losses

Most business owners purchase commercial property insurance to protect their building, equipment and supplies/products from disaster loss. Many, however, fail to consider the loss of income if they have to shut down for repairs after a major disaster. Business interruption coverage compensates you for lost revenue, payroll, the rental cost of your building and other operating expenses during downtime to facilitate your recovery.

To learn more about commercial insurance options and costs for your Bradley WV business, call or visit Redden Insurance Agency today.