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Legal Ramifications If You Don’t Have Motorcycle Insurance
Trestle Insurance Agency Inc. is here to help Evansville, IN residents understand their insurance duties. For example, motorcycle riders are often confused about whether they need policies at all. As a result, it’s essential to know what can happen if you don’t have a policy in place.
Indiana Does Require Policies
According to Indiana state law, a motorized vehicle that has up to three wheels (including any side cars) must be registered, titled, and insured like regular vehicles. They’re essentially the same as passenger vehicles, such as cars and trucks, and must be protected in various ways.
Typical requirements include coverage for property damage, underinsured and uninsured protection, and other liability protection. All riders under 18 must wear helmets on motorcycles, which can impact your policy if you ride with children but don’t protect them.
What Happens If You Don’t Have One
Cyclists who try to get away with driving without a license will face serious legal issues. For example, they might get their registration or even their license suspended. These include 90-day suspensions for the first offense and up to a year for future lapses or insurance fails.
If this happens to you, expect to pay $150 for your first offense, $225 for your second, and $300 for all subsequent offenses. You must also show proof that you have the minimum coverage. In other words, it’s simply smarter to pay for your policy. It’s not worth the risk.
Talk to Us to Learn More
At Trestle Insurance Agency Inc., we help Evansville, IN bike owners get the policy protection they need to avoid long-term legal issues. Call us if you’re interested in owning a motorcycle or don’t have coverage. The risk is not worth the little money you save.
Adequate Insurance Protection While Your Boat Is Docked
Consider the storage plan that you will use to protect your boat while it is docked. Seek boat insurance that will cover your boat if it is damaged, vandalized, or stolen.
Storage Plan
Following a sufficient storage plan will minimize the risk of damage to your boat. It will also deter theft and other criminal activities. Your storage plan should include keeping your boat protected from the elements.
A dry-docked boat should not be at risk of getting wet while unoccupied. A secure storage strategy would involve providing a covered area for the watercraft.
If storing a boat inside an enclosed structure is currently not possible, a waterproof boat cover will protect the watercraft from the elements.
Watercraft Inspection
Dry-docked boats should be inspected regularly. Even though a boat may be sufficiently stored, it may still be damaged by a factor that wasn’t considered when it was first placed in storage.
Security Aids
The use of security aids will further protect a boat and may minimize the need to file an insurance claim due to damage or theft.
The installation of surveillance equipment allows a boat owner to monitor their boat’s storage area closely.
If anything suspicious is discovered during an impromptu surveillance session, the boat owner can explore it further and contact their insurance company if necessary.
Boat Insurance Information in Indiana
Speak with one of our Trestle Insurance Agency Inc. representatives. An agent who serves Evansville, IN can assist with your questions about boat insurance. They will suggest boat insurance coverage types that will protect your watercraft while it is docked.
Motorcycles Vs. Motor – Driven Cycles: What’s the Difference?
Drivers of motorcycles and motor-driven cycles in Indiana may often question the differences between these two types of vehicles. A motorcycle is primarily designed with a seat or saddle for its rider and typically moves on two to three wheels. To legally operate a motorcycle, an individual must have a motorcycle endorsement added to their driver’s license.
We’re Here to Guide You
Motorcycle riders are mandated to hold insurance. At Trestle Insurance Agency Inc., we can alleviate your queries about motorcycle laws and insurance. Our knowledgeable agents are well-versed in Indiana’s motorcycle regulations and can guide you through your insurance options. While motorcycle riders are bound to carry bodily injury and property damage coverage, gaining liability insurance coverage is also recommended.
A motor-driven cycle, similar to a motorcycle, is designed with a seat or saddle and operates on two to three wheels. The primary distinction between the two lies in their cylinder capacities. A motor-driven cycle is characterized by a cylinder capacity not exceeding 50 cubic centimeters. Moreover, they can be operated by drivers aged 15 and above.
Noteworthy constraints exist regarding motor-driven cycles. They have a preset top operating speed of 35 mph and cannot accommodate passengers. Operating them on highways or sidewalks is also prohibited. Helmets are mandatory for drivers under 18, whether riding motorcycles or motor-driven cycles.
Trestle Insurance Agency is a family-owned insurance firm that has been serving drivers in Evansville, IN, for over 50 years. Our agents are prepared to discuss the specifics of your insurance options with you. Our mission is to offer you the adequate protection required at an affordable price. Feel free to call us and have your motorcycle insurance queries answered.
How Do Collision and Comprehensive Insurance Differ?
Complete auto insurance protection encompasses liability, collision, and comprehensive insurance. Indiana law mandates that auto insurance must include liability insurance to cover damages and potential injuries to others following an accident where you’re at fault. However, the law in Indiana does not require collision or comprehensive insurance, both of which pay for damage to your vehicle under different circumstances as explained below. Due to the complex nature of auto insurance, it may be beneficial to reach out to experts like the Trestle Insurance Agency Inc.’s team serving Evansville, IN, for guidance.
Collision versus Comprehensive Insurance
Both collision and comprehensive coverage cater to damages that occur to your vehicle. Collision coverage comes into effect when your car is involved in an accident where you’re at fault. Comprehensive coverage covers damages that aren’t related to collisions. This type of insurance covers damage from theft, vandalism, hail, colliding with an animal, or even a tree falling on your car.
While these two types of insurance aren’t legally binding, your lender will likely require you to have both if you’ve financed your car. If you own your car outright, the decision to buy collision and comprehensive coverage rests on you. Some people choose not to pay for these insurances, taking the chance of paying out of pocket for any repairs or a new vehicle. It’s common to drop these coverages once a car is about ten years old, given the diminishing value of the cavehicleWorking With Trestle Insurance Agency Inc.
For residents of or near Evansville, IN, the Trestle Insurance Agency Inc. team can assist you with all your auto and other insurance requirements. Connect with us today or call (812) 214-4825 to ensure you have an insurance plan that ideally meets your needs.
The Benefits of Getting Term Life Insurance
Life Insurance Essentials: The Rundown by Trestle Insurance Agency Inc.
A life insurance policy is crucial for those with dependents and those without. There are two primary forms of life insurance: term life and whole life. Despite offering lifetime coverage, whole life insurance might not suit everyone due to its associated drawbacks. This is why many opt for term life insurance. Let’s delve into this topic further with insights from Trestle Insurance Agency Inc. in Evansville, IN.
The Advantages of Term Life Insurance
Term life insurance’s standout benefit is its affordability. Its premiums are typically much lower compared to whole life policies. This affordability broadens the demographic able to secure life insurance, who might otherwise be discouraged due to financial constraints. Term life insurance is, therefore, a boon to budget-conscious families seeking crucial financial protection.
The Death Benefit
Term life insurance allows policyholders to decide the death benefit amount their beneficiaries receive. Whole life policies allow borrowing against the policy’s cash value, potentially leading to accrued debts and lowered death benefits. In contrast, as a term life policy does not offer this facility, the full death benefit remains intact for payment upon the policyholder’s death, a fact that many find attractive due to its simplicity.
Choose Term Life Insurance
If the distinctive benefits of term life insurance appeal to you, we can assist in setting up a policy. Contact Trestle Insurance Agency Inc. in Evansville, IN, to start crafting a policy that best suits your requirements. Safeguard your loved ones financially through term life insurance.
Summer Storms And Homeowner’s Insurance
Those of us in the Evansville, IN, area and the Midwest have become accustomed to summer storms. Heavy rain, high winds, lightning, and loud thunder have been part of our lives for several months of the year. We can take comfort in knowing that homeowner’s insurance is available, helping to protect against significant financial losses during these storms.
However, Trestle Insurance Agency wants to remind you that a homeowners insurance review can reveal some weaknesses in your coverage. Here’s what you need to be aware of:
Flood Insurance
Unless your policy includes special coverage under the Federal Flood Insurance Program, you are likely not covered for damages resulting from rising waters due to storms. Contact us for a specific flood insurance quote and to see if you qualify.
High wind damage
Most standard home insurance policies will cover damage to your roof, siding, and windows caused by high winds, including tornadoes. Damages to outbuildings, fencing, and downed trees are typically included in your basic homeowners’ insurance policy.
Lightning
Protection against fires from lightning and damage to electrical equipment may be covered. Check your policy for specifics on the coverage for electronics.
Associated damage
In the event of a fire caused by lightning, most basic homeowners insurance policies will provide coverage for damage due to smoke, water, and foam fire retardants used in fighting the fire. Immediate water damage resulting from roof damage is also commonly covered, depending on your policy and deductible.
Review your policy
It is easy to forget the specifics of a homeowner’s insurance policy, which is why carrying out an insurance review can be so useful. Contact us at Trestle Insurance Agency Inc. of Evansville, IN, for your free review and pricing quote. Are you prepared for Indianapolis summer storms? Find out by calling Trestle Insurance Agency Inc.
Here’s What First Time Renters Need to Know
You might be somewhat nervous if you’re renting for the first time. Leases can be complex, and you may not understand everything, including what you’re liable for and what protections you’re afforded. Many first-time renters fail to realize, for example, that their personal property often isn’t covered in the event of a break-in, natural disaster, or other incidents. Thankfully, rental insurance policies can be taken out to cover many different things. If you’re looking for renter’s insurance and an agency that serves Evansville, IN, contact Trestle Insurance Agency Inc.
When Renting, the Devil is in the Details
It’s important to read the fine print of any contract you are signing, including a lease or insurance policy. You also need to understand late fees if you pay rent late and who to call if repairs are needed. It’s likewise important to understand who is responsible for paying for repairs.
What is and is not covered can vary depending on the terms of the contract. For example, some leases will cover repairs caused to the roof or exterior of a rental house during a storm. However, that might not be covered if water destroys personal property because a window breaks and rain makes its way inside.
Likewise, the landlord may cover the repair work if burglars break through a window or door. Yet, if the burglars make off with your computer and television, that may not be covered by the landlord or their insurance policy. However, the right renter’s insurance policies can provide coverage for such events.
Of course, when selecting rental insurance policies, or any other type of insurance policy, for that matter, you need to study the terms carefully to understand what is and is not covered. If you need to take out renter’s insurance and are looking for an agency that serves Evansville, IN, contact the Trestle Insurance Agency Inc. immediately.
Do I Need Insurance for a Vintage Motorbike?
Do you need motorbike insurance for a vintage motorbike you never ride? It would seem paying for coverage for a bike stored in your garage is a waste of money. However, there are some good reasons why keeping your vintage bike insurance is a wise idea.
Keeping Your Options Open
You may want to take your vintage motorbike out for a short spin on a sunny day even if you’d planned to keep your bike in storage long-term. However, residents who ride a vintage motorbike without insurance could be fined in Evansville, IN. You could also have your license or vehicle’s registration suspended.
You Want to Keep Your Bike Protected
A comprehensive vintage motorbike insurance policy will compensate you if your bike is stolen, vandalized, or damaged by a natural disaster. You may have to pay thousands of dollars for needed repairs without insurance coverage. Alternatively, you may lose your bike permanently with no financial relief.
Maintaining Year-Long Coverage May be Your Cheapest Option
Evansville, IN, insurance policies are annual policies. If you cancel your insurance policy and then decide to resume coverage later on, the cost of starting a new policy may be higher than you had anticipated. What’s more, some insurance companies will charge a fee if you cancel coverage before the end of the contract.
Vintage Motorbike Insurance from Trestle Insurance Agency Inc.
Trestle Insurance Agency Inc. is an independent insurance provider. We work with multiple insurance carriers to provide Evansville, IN, residents with policy options tailored to meet their needs. If you want to learn more about insuring a vintage motorbike or explore our insurance policy options, contact us at your convenience.
Boating Season is Almost Here – Are You Ready?
Yes, finally, it is that time of year again. Boat owners and enthusiasts from all around the Evansville, IN, area wait and endure all winter—boating season. Before we get too anxious and start pulling our seaworthy vessels from storage and prepping those trailers, however, we should ensure we have the protection we need before hitting the open water. That is also where the help of your local and friendly agents at Trestle Insurance Agency Inc. can help.
Preparing for Boat Season and Boat Safety
There are many things to do before your boat is ready to sail. From that seasonal wax for both esthetics and practical benefits to that safety checklist, getting our boats ready for the season is a labor of love. In all that excitement of preparation, though, don’t let your boat insurance become an oversight.
Along with your safety checklist, adding boat insurance to the list of things to do might be a good idea. That may mean updating your policy, getting new coverage, or doing a check-up to ensure everything is in order. After all, it is the Captain’s job to inspect every nook and cranny. The good news is, with boat insurance, boat owners can feel like many of those safeguards have been handled. Like our life jackets and safety preservers, we never want to need them, but we sure are happy to have them when we do!
For All Your Boat Insurance Needs
Are you ready for boat season yet? If you live in or around the Evansville, IN area and have questions or would like help with boat insurance, the friendly and professional team at Trestle Insurance Agency Inc. is here to help. Contact us to learn more and schedule an appointment today for the protection your seaworthy vessel deserves.
How To File an Umbrella Insurance Claim
A Detailed Guide on Achieving Additional Protection with Umbrella Insurance
In Evansville, IN, an unforeseen event can sometimes result in a liability claim that exhausts the coverage provided by your standard automotive or home insurance policy. In such cases, filing an umbrella insurance claim to cover any shortfall might be necessary. With Trestle Insurance Agency, you can learn how to navigate this filing process seamlessly.
Filing a Liability Claim
The first step is filing your liability claim. This claim can be filed directly through your existing insurance provider, and it will cover the initial costs associated with the claim. An insurance adjuster will be assigned to review your case, assess the value of the damage, and report their findings to the insurance provider.
Filing an Umbrella Insurance Claim
If your liability insurance claim is likely to cost more than your standard policy covers, it’s time to file an umbrella insurance claim. As secondary coverage, umbrella insurance steps in to pay costs not initially covered. Again, this claim can be filed with your existing provider.
Insurance Form And Adjuster Consultation
The first step in claim filing is to complete a form. Once your paperwork is filed, an insurance adjuster may contact you for a consultation. After answering any questions about the claim, your umbrella insurance will cover incurred costs, including legal fees, if approved.
Contact Trestle Insurance Agency for Personalized Assistance
With an understanding of the umbrella insurance claims process under your belt, you can confidently file a claim when the need arises. The team at Trestle Insurance Agency Inc. is always ready to provide additional assistance and answer any questions you may have regarding umbrella insurance and the claim filing process. Visit us today!
