Do I need Motorcycle Insurance?

Most states require people that own and operate motorcycles to carry insurance. In fact, as of 2017, there are only four states that dont require motorcycle insurance and they are Florida, Montana, New Hampshire, and Washington. Conversely, It is considered a two-wheeled vehicle that must be insured in most states. As a result, just like a car, insurance is a requirement and there are required state minimums. The Redden Insurance Agency of Bradley WV wants to help motorcycle owners understand what’s required to own and operate a motorcycle in their state.

What is Motorcycle Insurance?

Motorcycle insurance is similar to car insurance in that it protects you from liability if you hurt someone or cause an accident while you are riding your motorcycle. It covers the cost of repairing someone else’s car or bike if there is damage as well as bodily injury. However, the minimum coverage amounts vary from state to state. This type of insurance can also pay for repairs to your bike.

West Virginia State Requirements

West Virginia is one of the states that requires motorcycle operators to carry insurance. The state minimums cover bodily injury and property damage. West Virginia requires all motorcycle owners and operators to carry $20,000 worth of insurance to cover bodily injury and $40,000 per incident. Also, WV motorcycle operators are required to carry $10,000 worth of property damage insurance per incident. Keep in mind that these are WV’s state minimums and motorcycle operators can carry more insurance if they see fit. SPeaking with a Redden Insurance Agency representative can help you determine how much coverage would be best for you and what all of the benefits of carrying motorcycle insurance are. Give us a call. We’re here to help. 

I just Bought an RV…What Type of insurance DO I need?

If you own and operate an RV, you need insurance. It is a requirement in every state. As a result, you will need to carry the proper insurance to legally operate an RV. An RV is considered a car in that it has wheels and can occupy the same streets and byways that cars can. The Redden Insurance Agency represents Bradley WV and can educate and guide the process for acquiring RV insurance.

What Type of Coverage Does an RV Require in WV?

All RV owners and operators must qat least carry liability insurance. Under some circumstances, uninsured and underinsured insurance is a requirement as well in some states. WV state liability insurance would include $20,000 for bodily injury, $40,000 for bodily injury per incident, and $10,000 for property damage per incident.

  1. $20,000/$40,000 uninsured motorist bodily injury
  2. $10,000 uninsured motorist property damage
  3. $20,000/$40,000 underinsured motorist bodily injury

The state minimums follow the same amount required for automobiles because technically, a driveable RV is a house/car on wheels. Some RVers also decide to purchase collision and comprehensive coverage as well. However, this isn’t required. How much coverage cost will vary according to your state, insurance carrier, and the type of RV that you have. YOu will need to consider this as well. However, a knowledgeable agent can make this process easier to understand and help you to choose a policy designed with your wants and needs in mind. 

At the Redden Insurance Agency, were here to help you make the best choice when it comes to purchasing insurance coverage for your RV. We’ll help you meet the state minimums and offer suggestions for other coverages that might benefit you as an RV owner as well. Give us a call. We look forward to serving you. 

What you need for an all-weather auto emergency kit

Preparing for an automobile emergency is a necessity to protect both you and your investment in the event of a mechanical failure or accident. The weather in Bradley, WV and throughout the state is changeable, and the items you need for a kit can vary based on the season. To ensure you have all the supplies you need at any given moment, the Redden Insurance Agency recommends preparing an all-weather kit to leave in the car 365 days a year. When needed, update individual supplies as they near expiration

Basic first aid

A standard first aid kit with a variety of gauze sizes, bandages, antiseptic cream, a thermometer, pain reliever, gloves, scissors, tweezers, sticky tape, hydrocortisone cream, cough medicine, antihistamine tablets, alcohol or alcohol wipes, eye bath, distilled water, and a shock blanket is a major first purchase.

Basic supplies

Other standard components of an emergency kit help other vehicles see you when you are on the side of the road. A backup battery charger and cord for your phone makes it easy to stay in touch with a towing vehicle or emergency responders without worrying about phone life.

Foldable hazard triangles, a flashlight, and flares can help you advise of a traffic hazard or signal for help. Add reflective tape or a reflective vest for performing vehicle repairs on the roadside.

Weather-specific emergencies

In the cold weather, it is advisable to have a warm blanket or coveralls and a heavy jacket stashed in your vehicle for potential breakdowns in freezing temperatures. Add a few snacks like protein bars and necessities like bottled water to your emergency kit to stay hydrated and nourished during a major weather event when an emergency response may be delayed. Put sunscreen in your car to protect the skin if a breakdown occurs on a sunny day.

Repair tools

Purchase a basic tool kit for the trunk that includes a screwdriver, pliers, wrenches, and tape for minor repairs. Always have a quart of your car’s oil handy for pop-up leaks along with a small stash of coolant and window cleaner. Adding oil and coolant when a leak occurs is only a temporary solution to get your vehicle in for repairs and avoid being stranded on the roadside in adverse conditions. The same applies to stocking tire sealant, an inflation gauge and booster cables

The Redden Insurance Agency serving Bradley, WV is also prepared to help you and your family prepare for emergencies by providing all of your automotive insurance needs. Contact us for a free quote today to motor with confidence in spring, summer, fall, and winter.

What is Commercial Insurance and WHO Needs It?

Commercial insurance is best explained as insurance designed for businesses. Basically, its the opposite of personal insurance. However, like personal insurance, it is designed to protect your business from unforeseen circumstances regardless of whether or not these incidents are your fault or not. The Redden Insurance Agency if Bradley WV takes pride in offering sound advice and guidance when it comes to helping businesses decide on the best commercial insurance policies for their companies. However, one of their primary roles is helping businesses understand the many benefits of investing in commercial insurance. 

The ABC’s of Commercial Insurance

Commercial insurance or business insurance protects businesses from loss. This loss can come from damage to other people’s property, personal injury to both patrons and employees, and a whole barrage of other incidents and things. This insurance can be key for businesses because it prevents business owners from having to come out of pocket to pay for all these unfortunate unforeseen incidents. This type of insurance also covers both public liability and employers’ liability. COmmercial insurance even helps with legal claims that may be filed against their business. Without this vital insurance, many businesses and business owners would be ill-equipped to handle many of the claims and cost that come with being sued or held responsible for something.

Why Invest?

The answer to this question is obvious. Investing in commercial insurance is like investing in security for your company or business. Of course, we all hope that nothing happens and no one gets hurt but no one can predict the future. The best-laid plans often fail as well. As a result, investing ina little peace of mind int the form of commercial insurance helps business owners feel a little more comfortable about the well being of their business. These policies or designed to protect and serve and they do just that. We look forward to helping you understand and navigate your investment in commercial insurance. Give us a call. 

How To Choose The Right Health Insurance For Your Family

At Redden Insurance Agency in Bradley WV, we offer all kinds of health insurance. We will admit that health insurance is one of the most complex types of insurance because the coverage depends on different factors. 

It may sound simple, but making the choice is not always as simple as it sounds. That’s why we will advise you to find out the following things before you make a choice.

1.    Consider the 4 metal categories

There are 4 metal categories of health insurance plans. They are Platinum, Gold, Silver, and Bronze. These categories indicate how the cost of healthcare services for you and your family will be shared between you and your health insurance provider. 

Many people erroneously believe that it has to do with healthcare quality. No, it has nothing to do with the quality of healthcare services. So, take the time and choose wisely.

2.    Plan Vs. Network type

Some of the common network types are EPO, POS, PPO, and HMO. While some plans will restrict you to the use of medical services within your insurer’s network, others do not restrict you but may cost you more. It is because using on-net services will cost your insurer much less. 

So, it is left for you to choose what is suitable for you and your family. Check all the medical facilities that are within your insurer’s network. Consider their geographical spread. This is necessary in case you have a kid that is studying in another city or state. 

3.    Your total cost of healthcare

Do you want higher premiums and lower deductibles or the reverse? Premium is the amount you pay to your insurance company every month whether you use any medical services or not. On the other hand, a deductible is an amount you will pay out-of-pocket for a certain medical service before your insurer adds theirs. You only pay a deductible when you enjoy medical services. So, you need to weigh both options before making a choice.

If you are still confused, you can schedule an appointment with us at Redden Insurance, and we will help you make the best choice for you and your family. 

What Is Umbrella Insurance?

To put it in the simplest form, umbrella insurance provides back up wherever your standard insurance falls short. Here is a scenario where umbrella insurance can be of help. You mistakenly hit another motorist from the rear, damaging his car, and causing bodily injuries to the driver and the other three people in the car. 

That means you will be responsible for fixing his car and offsetting the medical bills of four people. And the amount paid by your insurance company, based on the auto insurance policy that you purchased, is grossly inadequate to cover the liabilities. Instead of having to complete the payment out of your pocket, the umbrella insurance coverage will provide the remaining payment.

So, you should understand that payment from your standard insurance policy must be exhausted before your umbrella insurance kicks in. However, there are cases that this insurance does not cover. Here is a list of what it covers.

Bodily injury coverage

This coverage provides the cost of medical bills and/or liabilities due to the injuries caused someone and it is established to be your fault. For instance, if there’s an accident and you are found to be at fault. If a guest in your home falls. If your dog harms someone or another dog, or your neighbor’s child falls in your yard. You umbrella insurance will provide the funds for any of these liabilities.

Property damage liability

This provides coverage for the damage or loss of another person’s property due to your negligence. If your standard insurance does not cover the whole liability, your umbrella insurance will kick in.

Owners of a rental unit 

This is meant for landlords. In case there’s a crack in your sidewalk and this causes someone to trip and fall. You will be held responsible. This coverage will pay for that. Also, you may be liable for your tenant’s negligence. This policy will cover the liability. 

In addition, your umbrella insurance will provide your legal fees in case of certain lawsuits. For more information about umbrella insurance, contact Redden Insurance Agency in Bradley, WV. 

Is Motorcycle Insurance Required In Bradley, WV?

You’ve just purchased your dream motorcycle and you can’t wait to cruise around time, but one of your peeps quickly reminds you about motorcycle insurance, and now you want to find out if it is required in Bradley, WV. First of all, we say congratulations on the acquisition of your new bike. At Redden Insurance, whose serving city is Bradley, we are telling you that it is mandatory to get motorcycle insurance before you can cruise around Bradley. 

Here are the minimum limits for motorcycle insurance. When you acquire the cheapest insurance policy, you may get $10,000 for the destruction of property. You may get twice the amount for bodily injury or death of one person. And you may get up to $40,000 for bodily injury or death of more than one person. 

The problem is that we don’t even think the cheapest insurance will give you enough protection. You may end up complementing the medical bills from your pocket. One accident can wipe out all your savings. We don’t want your motorcycle to plunge you into debt. We will advise you to include the following additional coverage.

Uninsured/Under-insured Motorist Coverage

Whether you believe it or not, there are many motorists that are under-insured or uninsured, and they are on the road. What happens if you get knocked down by any of them? Will you be waiting for the uninsured driver to rally round for funds? That’s why we will advise you to include this coverage.

You will be compensated if it is established that the driver that knocked you down is uninsured. That is what the coverage is meant for. In Redden Insurance Agency, we have settled such claims so many times. So, we can tell you that there are many under-insured or insured motorists on our roads in Bradley. 

Comprehensive Coverage

This coverage is meant to fix your bike or replace it if it gets damaged in a non-collision incident. It could be vandalism, flood, fire, wind, or a complete theft.

Collision Coverage

In case you collide with another bike, a motorist, or other objects, this coverage will fund the repair of your bike.

With these additional types of coverage, it should be clear that motorcycle insurance is meant to protect you and your property. 

How Does RV Insurance Differ From Car Insurance?

There are some similarities between RV and car insurance, but there are some important differences as well. These differences affect your premiums, and they provide some types of coverage that aren’t applicable to traditional auto insurance. In Bradley, WV, we offer RV insurance at Redden Insurance Agency. 

Types of RV

What qualifies as an RV? Motorhomes are classified as A, B, and C. These are the luxurious and spacious, and the drive train is permanently attached to the living section of the RV. Fifth Wheels require a truck to tow them, but they offer lots of room and layout options. Travel trailers are a step-down and can be pulled by most vehicles. Lastly, the pop up is the lightest and least expensive. 

How Premiums are Determined

Most car insurance premiums are based on the type of vehicle and your driving record. How often or far your vehicle is on the road isn’t a factor. With RV insurance, the type of vehicle, how often you plan to drive it, and where you plan to park it can all impact your premiums. 

What’s Covered

This is the biggest difference between RV insurance and car insurance. RV insurance covers some of the same things as car insurance. These include collision, comprehensive, uninsured motors, and liability coverage. RV insurance may have different coverage limits due to the value of the vehicle. It should also cover equipment like satellite dishes, awnings, and water heaters.

RV insurance often offers add-ons that can be very beneficial. Full timer coverage is for those who use an RV as their full-time residence. Campsite and vacation coverage will cover things that happen at the campsite instead of on the road. 

At Redden Insurance Agency in Bradley, WV, our agents work hard to get you the right coverage for your needs. Stop by our office to learn more about the difference between RV and auto insurance, and which one is right for you. 

Will My Bradley WV Auto Insurance Protect Me in a Lawsuit?

Automotive accidents happen every day, despite most of us trying very hard to avoid them. But, as the phrase suggests, accidents happen, you misgauge the speed of an oncoming car when turning or become distracted when backing out of a parking space. Whatever the case behind your Bradley, WV auto accident, our team at Redden Insurance Agency is here to help keep things simple and stress-free by getting you the right information to understand what happens next and how your insurance provider will assist.

After the Accident: How the Other Driver Gets Paid & How You Stay Protected

West Virginia has tort accident laws, which is to say that the person at fault of an accident is responsible for paying for the other driver’s property and personal injury costs related to the accident. All West Virginia drivers will be expected to meet their state’s minimum liability insurance policies.

Getting Sued for More: How Your Bradley WV Auto Insurance Will Protect You

If you are found to be at-fault for an accident, the first thing your insurance provider will do is negotiate with the other driver’s insurance company. In the vast majority of cases, you won’t ever be alerted as the two companies will resolve the matter between themselves.

However, if the other driver’s insurance company wants more than your policy limits offer, then they may file a civil lawsuit to try to recover the rest of the money from you (the amount over your policy limit). In this scenario, your insurance provider is contractually responsible for paying for court costs and for hiring an attorney on your behalf to negotiate the other company down, accept a settlement you agree to, or take the issue to trial.

Contact Redden Insurance Agency to Learn More

For more information about this subject, contact our team today. 

How to Select the Right Commercial Insurance Policy for Your Needs

Selecting the right commercial insurance policy begins with knowing the types of commercial insurance you need. There are many types of commercial policies, and the needs will vary based on your risk and the type of business you own. At Redden Insurance Agency in Bradley, WV, we can help you navigate commercial insurance.

Business Property

If you have a physical business, you will need business property insurance. This applies to retail stores, offices, and manufacturing buildings. Commercial property insurance covers the physical structures, including the building you operate in and your signage. It also covers your property, including equipment and furniture. It covers others property as well. 

Liability Insurance

Liability insurance will cover expenses related to injuries or property damage sustained by a third party. If someone is injured on your property, or their property is damaged due to neglect on your part, liability insurance will cover your financial liability.

Workers Compensation

Workers compensation insurance will cover injuries an employee gets on the job. This includes their medical bills and lost wages. You may be required to have workers compensation insurance if you have a certain number of employees.

Commercial Auto Insurance

Commercial auto insurance is needed to cover any vehicle that is used for business purposes. This includes industrial vehicles like dump trucks and the car you use to run business errands. Most personal policies do not cover accidents that occur when the vehicle is being used for business purposes. 

Getting the Right Policy For Your Needs

Within these basic types of insurance are many options. Property insurance can include business interruption insurance, for example. Liability coverage can include errors and omissions, which aren’t covered under standard liability.  Our agents at Redden Insurance Agency in Bradley WV will discuss the specific needs for your business and help you choose the policy that offers you the coverage you need.