6 Questions to Ask When Getting Motorcycle Insurance

There are all kinds of things to do in Las Vegas, NV, but for people who live there and want to enjoy the sunshine to the fullest, getting motorcycle insurance should be on the list. They may not want to worry about it, but it is an important thing to have in order to protect themselves, their motorcycle, and other people on the road. Stevens Insurance can help by providing knowledgeable agents who can answer all of the necessary questions about getting this kind of insurance in Nevada. The more a rider knows about their insurance, the better off they will be. Here are six good questions to ask.

1. Is insurance mandatory, and at what coverage limits?

2. Are there less expensive policies or options?

3. How much does the insurance company that is backing the policy matter?

4. How high is the deductible, and can it be changed?

5. Are there specific events this policy does not cover?

6. Who can be contacted with questions and concerns, and during what hours?

Being able to reach out to a company and get questions answered is really important, especially with a complex topic like insurance. Reaching out to Stevens Insurance in Las Vegas, NV can give motorcycle riders the peace of mind they need in order to be happy about their choice of insurance provider. Being able to get multiple quotes in one place also makes things much easier, because people don’t have to go around to a number of companies and ask for a quote. Even calling or going online to do this can take a long time, so avoiding all of that and getting motorcycle insurance taken care of easily can really improve a rider’s day and make time spent on their motorcycle more enjoyable overall.

What Type of Motorcycle Insurance Protects You Against Uninsured Motorists

When you’re riding your bike down a long stretch of highway, many things go through your mind, such as weather conditions, the mechanical soundness of your motorcycle and the safety of any passengers you’re carrying. This isn’t the time to worry whether your insurance covers uninsured motorists. Instead, before you get on the road, visit Stevens Insurance in Las Vegas, NV to find out how uninsured motorist insurance can reimburse you for damage and injury caused by uninsured motorcyclists. 

Motorcycle Insurance

Riding a motorcycle is a thrilling experience. Don’t let irresponsible drivers and bikers cause you one moment of stress. Most motorcycle accidents in Nevada end in injury. So, make sure that your medical bills and the cost to repair your bike are covered in your policy.

All motorcyclists in Las Vegas are required by state law to carry the same liability coverage as automobiles. This only covers accidents that you are responsible for. If an uninsured rider causes the accident, your injuries and property damage are your financial responsibility. Consider extending your coverage to include uninsured and underinsured motorists so that you and your motorcycle are fully covered.

Uninsured and Underinsured Motorist Coverage 

When someone else is at fault and they don’t have sufficient coverage, an uninsured motorist policy pays for your medical costs as well as those of your passenger.  The coverage is tied to the amount of insurance you buy. Higher coverage means higher premiums. However, opting for cheaper coverage could cost you more if you do have an accident involving extensive damage and injuries. Call your experienced Stevens Insurance representative today to help you find the best policy for uninsured motorist coverage in Las Vegas, NV and set up an appointment to obtain a quote.

 

Benefits of Motorcycle Insurance

A motorcycle can be a very fun recreational vehicle but is also an important asset that needs to be properly covered by insurance.  For those that are in the Las Vegas, NV area, there are a number of benefits that come by having motorcycle insurance.  

Compliance with Law

The first benefit that comes with having motorcycle insurance is that it will help you to stay compliant with the law.  Similar to having auto insurance, all people in Nevada are required to have some level of insurance coverage if they drive a motorcycle.  In Nevada, all motorcycle will need to have minimum property damage liability insurance of at least $10,000 per accident.  On top of that, they will also need to have minimum bodily injury coverage for $15,000 per persona in one accident with at least a $30,000 limit per accident.

Collision and Comprehensive Coverage

When you only have the motorcycle insurance coverage that is required by law, your coverage will be limited to liability and will provide you with no protection for your injuries or motorcycle.  When you choose to get a policy with more coverage, virtually any scenario could cover your motorcycle.  When you are getting a full policy, you will receive collision and comprehensive motorcycle insurance coverage.  This will protect you and your motorcycle against losses associated with an accident that you are at fault in, theft, vandalism, and even an accident involving an animal. 

For those that are in the Las Vegas, NV area, making sure that you have the right type and amount of motorcycle insurance is very important.  To ensure you are properly covered, meeting with the Stevens Insurance agency would be very beneficial.  Stevens Insurance is a leading consumer focused insurance agency that could help you to better understand your insurance needs.  

I Had a Motorcycle Accident: What Now?

You underestimate the curve and, before you know it, you are sliding across the pavement. Your bike is in the bushes, and you are in the middle of the road. What now?

What to do immediately after a motorcycle accident in Las Vegas, NV
You should do the following immediately following a car accident:

  • Get out of the roadway. You do not want to be injured two times over by having an unsuspecting motorist run you over. 
  • Assess injuries and either call or ask for help.
  • Call the police. You will need to file a police report, which may help you when filing your insurance claim.
  • Gather information from witnesses and become familiar with your surroundings. This, too, will help you complete a more accurate application. 

Things to include in your claim

Contacting a professional such as Stevens Insurance firm is an important step to take when you are involved in a motorcycle accident. You should include the following expenses in your claim:

  • Medical bills. Current and future costs should be incorporated in your request. 
  • Pain and suffering that provides for emotional distress. Embarrassment is common among motorcyclists who suffer severe injury from car wrecks. You may find yourself in need of counseling due to paralysis or disfigurement. The cost of your pain should be included in your insurance claim. 
  • Loss of income. You are entitled to wages lost during your recuperation as well as decreases in earning capacity due to permanent injuries that inhibit your ability to pursue higher paying jobs.

What you should not do
You should never put off seeing the doctor after having a motorcycle accident in Las Vegas, NV. You may feel as if you are not injured, but the reality is that head trauma, and leg aches are common after crashes. It sometimes takes a day or two for these ailments to take effect. You should also refrain from admitting fault at the scene of the accident and never tell another motorist that damages they caused are “no big deal.” 

An agent from Stevens Insurance can help you cope with the reality of a motorcycle accident. Prepare for the unfortunate instance of a car wreck today by calling our office for a consultation. 

Adult Toys Cost More Money, So Make Sure They’re Insured

You might think toys are only for children. However, at Stevens Insurance, serving Las Vegas, NV and the surrounding region, we know this isn’t the case. We insure adult motorized toys. If you have a big kid "toy," you’ll need big kid protection from a company like ours.  

Why Protect Your Toys 

When you were little, you probably had at least one toy that was stolen or broken. And in many cases, it might’ve not been your fault. Even if it was your fault, you probably were upset it happened and wished you could’ve found a way to protect your possession better. 

As an adult, you can take the necessary steps to protect your toy if something should happen to it, whether it was your fault or not. Our coverage allows you to pay a small, regular fee to cover the cost to replace your toy if something should happen to it or it would need to be repaired. This is especially important if you don’t have the resources to repair or replace your toy. You don’t want to be left without a toy to play with, especially if you ride with others.  

Adult toys are much more expensive to replace than a majority of toys you had as a child, even sometimes when they’re all combined. If you don’t have the financial capability to replace or repair a toy if somebody should happen to damage or steal it or if you should happen to wreck it, you could find yourself out the money you paid for the toy, and you won’t have anything to ride until you’re able to replace it. 

Insurance helps to cover your toys, so you’re not out the money and are able to continue to ride.  To get a quote for insurance from Stevens Insurance, serving Las Vegas, NV and the surrounding area, contact us today by calling 702-648-9689. 
 

Biking In Las Vegas: Does Motorcycle Insurance Cover Theft?

If you are like most motorcycling enthusiasts, your motorcycle isn’t just transportation, it’s your way of life. However, like any other moving vehicle, you need to secure insurance that protects you from liability in the event of a collision. Considering that in 2015 Las Vegas once again scored as the second highest in the top 10 cities for motorcycle thefts, with 1,042 thefts, behind New York (1,340) and ahead of San Francisco (729), your motorcycle is at risk of being stolen. When weighing insurance coverage for your ride, it’s understandable that you may have questions about coverage in case of theft.

A Target for Thieves

There are several factors that contribute to the high incidence of motorcycle theft in Las Vegas.

Your bike is an attractive target for several reasons:

  • It is equipped with expensive aftermarket parts and accessories.
  • It can be sold as an intact vehicle or for parts for considerable profit.
  • Motorcycles are easier to steal than cars.
  • Many newer models utilize remote ignition.
  • Most motorcycles aren’t equipped with anti-theft devices, relying instead on locks to prevent theft.

What is Basic Motorcycle Insurance?

Your motorcycle insurance policy will generally provide financial protection against bodily injury and/or physical damage that results from traffic collisions as well as any liability arising from the motorcycle driver’s actions. The most common coverages include:

  • Comprehensive Physical Damage Coverage
  • Collision Coverage
  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Medical Payments Coverage
  • Personal Injury Protection Coverage
  • Uninsured/Underinsured Motorist Coverage
  • Motorcycle Roadside Assistance Coverage

Which Coverage Protects Me Against Motorcycle Theft?

In order to protect you and your motorcycle, fully, you need to determine the appropriate motorcycle insurance coverage for your individual needs. Comprehensive coverage is the preferred choice for many riders, as it helps to cover replacement costs in the event of a theft. Comprehensive coverage only covers the original motorcycle and its parts, but doesn’t cover aftermarket additions, so if you have made aftermarket enhancements to your motorcycle, you should consider detailing all of your custom parts and purchasing custom parts and equipment coverage. Additionally, choosing accessory coverage will protect against the loss, theft or damage to your bike’s accessories, such as customized additions, OEM electronics, custom handlebars, or saddlebags.

No matter what kind of bike, aftermarket additions or accessories you have, you want to protect your investment with the best insurance coverage. Even the most careful rider can’t guarantee that their motorcycle won’t be stolen, so you need an up-to-date insurance policy you can rely on to protect you in the event of an accident as well as to replace your motorcycle in case of theft. Talk with your insurance representative today at Stevens Insurance to determine the best motorcycle coverage for your individual needs.

3 Easy Ways to Prevent Motorcycle Theft

Taking precautions to prevent your motorcycle from being stolen is extremely important, since it is much easier for thieves to load a motorcycle onto the back of a truck, as opposed to stealing a car. These three simple tips should go a long way in making sure that nobody steals your bike:

1. Park in well-lit areas. – Parking your motorcycle in an area with a lot of light will both deter criminals from trying to steal it, and give you, or someone else, a chance to see it being stolen. Dark areas make it hard for witnesses to see a thief’s face, and security cameras may not catch many details.

2. Keep your motorcycle in a garage at night. – Thieves may not even know you have a motorcycle if you park it in a garage at night. Few criminals will go through the trouble of breaking into your home just to steal your motorcycle, as they would rather hit an easier target.

3. Install a motorcycle alarm. – An alarm for your bike will alert you, and others in the area, that your motorcycle is being stolen. The second an alarm start going off, thieves will usually run away, preferring to avoid confrontation with either the owner, or the police.

While these tips can help prevent your motorcycle from being stolen, nothing is going to keep your bike safe 100% of the time. An up-to-date insurance policy will allow you to replace your motorcycle if it does get stolen, and it keeps you protected in case of an accident. Take a look at the types of motorcycle insurance coverage Stevens Insurance offers residents in the Las Vegas area in order to get your bike covered today.

Motorcyle Deer Season Tips

They jump out. They surprise you. They want to get out of the way. But, they are in the way. It is not likely to encounter deer in most of the Las Vegas Metropolitan Area until you get on the outskirts of the city areas or when driving up towards Utah or out to Red Rock Canyon National Conservation Area.

However, motorists, especially motorcyclists need to know deer do come into housing areas in search of food and water especially in the early mornings. Carson City, which is the capital of the state of Nevada in the northern part of the state, has experienced deer in front of the capitol building in the middle of the city.

Here are some tips how motorcycle riders can avoid hitting a deer:

  • Stay alert.
  • Look as far down the road as possible.
  • Also, look to the sides of the road.
  • Use a pattern of scanning the eyes ahead and then checking each side of the road.
  • Avoid riding motorcycles at dusk or dawn.
  • Pay attention to deer warning signs.
  • Go slower.
  • Slow down when approaching turns where it is not possible to see what may be up ahead.
  • One deer means more. The travel in groups of up to ten animals. The leader may dart across the road and be followed by many more.
  • Deer are skittish. They jump in unpredictable ways and freeze when frightened. When there is a deer in the road the best action is to honk the horn for a long time, brake quickly, do not turn even if a collision seems like it is about to occur, go in a straight line, and let the deer jump out of the way if possible.

Be sure to have good motorcycle insurance as well, which is available from Stevens Insurance in Las Vegas.

Understanding Your Motorcycle Insurance Policy

Riding your motorcycle in North Las Vegas, Nevada is a great way to end the day. Nevada has a lot of roadway that riders can enjoy on their bikes. When the time comes to file a claim, you will want to have the best kind of motorcycle insurance. All it takes is one accident and you could find yourself in a financial disaster. Here are some things that you will need to know about your insurance policy.

The Best Benefits of Your Policy

  • Bodily injury is a protect benefit that keeps you from having to pay for the injuries to the other party. With the rising cost of medical care, this coverage can save you hundreds of thousands of dollars.
  • Property damage coverage will take care of any damages involved in the accident. If you are found to be the one at-fault, then this benefit will pay for the damages to the other person’s vehicle.
  • Special equipment coverage will cover any customized parts that you put on your bike. A person’s bike will usually reflect their personality. This benefit will ensure that those changes are put back into your bike.
  • Roadside assistance will come to your aid should you break down on the side of the road. If you run out of gas or suffer from a mechanical breakdown, you will have the protection you need to get you back on the road.

No matter what kind of bike you have, you will only want the best benefits protecting your bike. As your independent agency we can get quotes to meet your insurance needs. We can also answer any questions that you may have regarding your policy or the benefits that it can provide.