No-Fault Insurance: What This Insurance Types Means For Your Car

In Clovis, NM, there are a lot of people who are confused about no-fault insurance and how it affects their vehicle. That’s why we at General Insurance Agency want to set the record straight about this insurance and how it affects you. You might be surprised to learn how it can help you. 

The Nature Of No-Fault Insurance 

No-fault insurance is mandatory in nearly 20 states and is a slightly different type of car insurance. First of all, it covers your medical expenses and loss of income in a car accident. It covers both you and your passengers and will kick in no matter who caused the car accident. As a result, it can be a great type of coverage for people who are worried about medical treatments. 

The Confusing Part Of This Coverage 

One element of no-fault insurance that may confuse you is its lack of coverage for auto damage. That’s because it is not designed for this type of coverage. Your collision insurance will cover any impact damage to your car. Think of no-fault as a way of covering economic losses, such as loss of income and medical expenses, rather than pure auto insurance. 

Limits Do Apply 

Another important aspect of this coverage type is that you must fall within what your policy terms as a “serious injury” threshold. This fact means you must suffer from significant disfigurement, bone fracture, limitations of body organs or members, limitations of bodily functions, and other injuries that make it impossible for you to live a healthy life or work regularly. 

Getting No-Fault Coverage 

So if you live in Clovis, NM and want this type of coverage, contact us at General Insurance Agency. Our agents understand the various laws regarding this type of coverage and can ensure that you get the type that suits your driving needs. We can even find a collision policy that is right for you.

Do All Auto Insurance Policies Include Glass Coverage?

When you are in the market to purchase a new auto insurance policy or make changes to yours, you may find yourself wondering about glass coverage. You may wonder if all policies include glass coverage or if they all cover your auto glass in the event of an accident or if a rock comes flying through your windshield. At General Insurance Agency, serving the Clovis, NM area, we want to provide you with the information you need to make a decision about auto insurance. Here is what you need to know about auto insurance and glass coverage. 

Do All Auto Insurance Policies Cover Glass?

All auto insurance policies will cover auto glass that is damaged in an event that is covered by your car insurance. For example, if you have collision coverage, your auto glass is covered if your glass breaks in a car accident. If you have comprehensive coverage, your auto glass is covered if a vandal breaks the auto glass. 

What Is the Difference Between a Regular Policy and Separate Auto Glass Coverage?

Some insurance has separate auto glass coverage policies. These policies typically have much lower deductibles than your regular auto insurance policy. They may also cover against smaller imperfections in the glass, such as cracks or chips. 

When you are ready to purchase new auto insurance in the Clovis, NM insurance, be sure to get a price quote from General Insurance Agency. We are committed to helping you find the best auto insurance for your needs at a price that fits within your budget. Call us today to get started on your quote. 

Is Your Business Protected Against Disasters?

The current trend of natural disasters is a constant reminder of the need for insurance protection for both your home and business. As a small business owner, it’s important you take measures to protect your company from any eventuality. Here are a few ways you can protect your enterprise against natural disasters.

Get the Right Insurance Coverage

By assessing the risks to your Clovis, NM business, you can obtain personalized business insurance coverage to suit your company’s needs.    

Property insurance, for example, will cover damage to your building, business equipment and inventory from such perils as fire, wind, hail and other natural calamities. By customizing your policy, you can also protect your property against flooding.  

If a disaster causes your business to close temporarily, business interruption coverage can replace lost income while your building undergoes repairs. Business interruption can also help cover lost wages for your employees and the cost of renting another location until repairs to your property are made. Integrating this coverage into your business owner’s policy from General Insurance Agency will help protect you against disasters.

Develop a Plan for Handling Disasters

A “disaster plan” will prepare you and your employees by outlining what to do in the event of a disaster. The following details can be part of your plan:

  • Designate a contact person for employees to communicate with in the event of a disaster
  • Choose an alternate location to work from in case your current place is damaged
  • Make an evacuation plan to help employees leave business premises quickly and safely in a disaster
  • Select a person to keep clients updated on company affairs after a disaster has struck

Advanced preparation is key to protecting your business from natural disasters. At General Insurance Agency, Clovis, NM, we can provide you with adequate business insurance coverage to suit your company’s needs.  

How to Lower Your Auto Insurance Rates

Everyone wants to pay less for their auto insurance in Clovis, NM, that’s just a fact of life. But understanding how an insurance company thinks is always going to be a better way to lower your rates than it is to choose the most cut-throat rates. See how you can organically lower your rates without having to use a fly-by-night insurance company who may or may not be around when you really need them.

Better Driving 

This is really the best possible way that a driver can lower their rates, but it goes beyond just staying away from drugs and alcohol before getting behind the wheel. General Insurance Agency knows that a clean driving record means slowing down and paying more attention to the road. When you call an insurance company, they’re also looking at your habits as much as they’re looking at your driving record. Statistically speaking, you’re more likely to get into trouble if you’re constantly driving late at night in high-crime areas than you are on Sunday mornings when everyone’s on their way to church. So you may see higher rates depending on how much you drive and where. (Lying about these habits may result in a denial of a claim.)

Additional Factors 

Having good credit or buying your car in cash may be able to lower your insurance rates tremendously, as can taking more precautions when it comes to theft. So if you have an expensive alarm system or advanced tracking gear, then you may enjoy lower rates. To learn more about how to get better insurance rates, give General Insurance Agency a call. We’re here to help the residents of Clovis, NM gets rates they can live with, so they can continue to enjoy the freedom that a car can bring. 

Are Dog Bites Covered by Your Home Owner’s Policy?

General Insurance Agency serves residents who live in and around the St. Clovis, MN area. They offer a comprehensive list of insurance policies that cover your home, automobile, and business. Each agent can offer sound advice about the amount of coverage you need as well as ways to protect yourself from financial loss. Dog owners often have questions concerning their liability when it comes to their pets. 

Issues On Your Property

While laws can differ from state to state, the main issue with a dog bite is whether the dog was under the control of the owner when the bite occurred. If you have dogs and plan on inviting people to your home, you should contain your pets so they have no contact with your guests. If a pet gets loose and bites someone while they are in your home, you will be liable for their medical expenses. It’s important to know exactly what your policy says when it comes to having guests in your home and any potential liability you may be responsible for.

What Happens If My Dog Gets Loose?

If for any reason your dog leaves your property and attacks or bites someone, you may be held liable for any damages because you were not in control of your pet at the time the attack occurred.

The agents of General Insurance Agency can offer sound advice on how to protect yourself from specific types of liability, including that associated with dog bites and other types of injuries that are caused by pets. If you live in St. Clovis, MN, call and schedule an appointment today to make sure your policy is up to date and provides coverage for any liability that you may incur because of your pet. 

What Types of Roof Damage Are Covered Under Home Insurance Policies?

If you have a home insurance policy, damage to your roof may or may not be covered under the policy. At General Insurance Agency, we are often asked what type of roof damage is covered and what type of roof damage is not covered. Very generally speaking, if your roof needs repairs due to routine wear and tear or age, the repair and damage are not covered. If your roof was in otherwise great condition and a weather element damaged it, the roof damage may be covered. Here are a few instances when roof damage is covered by your home insurance policy. 

Wind Damage

If the winds are extremely strong, the gusts may blow shingles, tiles and other roofing materials right off your roof. If this happens, your roof repair will likely be covered by insurance. 

Hail Damage

Hail damage is the number one reason why homeowners insurance claims are made for roof damage. Hail can severely damage your roofing. If your roofing was in otherwise good shape, hail damage will be covered. 

Damage From Snow Storms

If you get a large amount of snow in a short amount of time, your roof can actually sustain damage or even cave in. When this occurs, home insurance will often pay. 

Fires

The last common reason why roof damage would be covered by a home insurance policy is because the roof was damaged by a fire. If a fire breaks out on the roof or under the roof, your home insurance company will likely pay for the repairs. 

If you have questions about your roof damage and homeowners insurance, General Insurance Agency would be happy to help you. We can help you determine what is covered and what is not covered based on the language in your policy. 

Importance of Buying Insurance in Clovis, NM

As a business owner, commercial insurance is a necessity. Running a business can be risky, and one of the ways to minimize these risks is buying a commercial insurance from General Insurance Agency. Depending on the type of business you run, the law of the state of Clovis, NM could require you to buy and maintain certain kinds of insurance.

When it comes to small businesses, commercial insurance is vital since they are comprised of individuals’ funds which could include dependents and family members, and thus the best way to make sure that the investments are safe is by buying an insurance policy. There are many reasons why you ought to have a commercial insurance cover which includes;

Protect your business property

Commercial insurance protects your business property and buildings in a case of damage from calamities like fire.

Protect your assets

Under commercial insurance is contents insurance which protects all the assets that are stored on your business premises. If you decide to lease a business work place, the property owner has property insurance but you are also responsible for your assets, and that is why you need this kind of protection.

Caters for any loss caused by interruptions

At times, you could experience situations that force you to shut your business down for some time probably during a repair. Such occasions cause downtime, and you tend to suffer loss due to decreased production. Commercial insurance has an interruption coverage which caters for the losses until the business is back to normal running.

Protects your business vehicles

If your business owns vehicles, ensure that they are all insured. Also if there are personal vehicles used for business purposes, make sure to notify your insurance company.

Protects your clients and visitors

The liability coverage pays for any damages or injuries that happen to your visitors. This includes medical bills in a case of bodily injury or legal defense fee if you are sued.

If you own a business in Clovis, NM Get a commercial insurance policy that suits your needs from General Insurance Agency and enjoy its numerous benefits.

Buying a New Car? What Kind of Insurance Do You Need?

Considering the cost of new cars today, it only makes sense to get adequate insurance coverage to protect your new investment. You may not be able to prevent an accident from happening, but you can be prepared for any eventuality. The right car insurance coverage from General Insurance Agency in Clovis, NM will ensure your new vehicle has the protection it needs. As the proud owner of a brand new vehicle, here are a few coverage options you should consider: 

New Vehicle Replacement Coverage

Even if you’re a careful driver, there’s no guarantee you will never have an accident. A major accident could result in totaling your new vehicle. New vehicle replacement coverage helps cover the cost of replacing your totaled vehicle with a similar make and model, despite depreciation costs. Depending on the cost of the vehicle you just bought, this coverage could save you time and money in getting a replacement vehicle for the one you lost. New vehicle replacement coverage goes beyond what collision and comprehensive coverage have to offer in protecting you from financial loss.

GAP Coverage

New vehicles depreciate quickly, starting immediately from the time they’re driven off the lot. If you’ve taken out a loan to purchase a new vehicle, you may want to consider GAP insurance coverage to protect your assets in the event of an accident that results in the total loss of your new car.

GAP insurance will cover the difference between your vehicle’s cash value (after depreciation) and the amount of your loan. This gives you the cash you need to pay off your car loan so you’re not left with a huge debt to cover out of pocket.   

Learn more about new car insurance options and costs by contacting General Insurance Agency, Clovis, NM. 

 

Do you Need more Home Insurance if you have more Occupants?

Home insurance is something that all homeowners have and that many may not understand fully. One question that recurs is whether or not you need more home insurance if you have a larger number of occupants. For those that live in the Clovis, NM area, the agents with General Insurance Agency can help you answer all the questions you may have.

For those that have a large number of occupants the real issue with home insurance is not going to be insuring the people living in the home but rather making sure you are able to insure the contents and items that the larger number of people own. You will, of course, need to let your insurance company know how many people are in the home and the living arrangements for both safety reasons and so that you can be sure you are going to be covered in the event of a disaster.

Often with a large number of occupants, you also need to worry about a large volume of contents and a larger chance that it may be difficult to get the people out if something happens. You are going to want to make sure you have enough coverage for the belongings of the people and for the people that are in the home. In general, you can adjust the coverage that you have based on how many people are in the home and can change the coverage as needed. In most cases, changing coverage for a larger number of people is not going to change the overall premiums that much.

For those in the Clovis, NM area, the agents with General Insurance Agency can help you to get the perfect amount of coverage for your home situation.  

Is it time to expand your New Mexico business?

So you’re thinking of contacting General Insurance Agency and seeing if they can connect your St Clovis, NM business with a commercial insurance policy as you expand.

But… are you sure the time is right?

The tricky thing about expanding your business is you do have to strike while the iron is hot, but if you jump the gun and try to grow too early, you may wind up overextending yourself and spending a bunch of money for nothing. Here are a few questions to consider before you branch out:

  • Can you afford a failure? You don’t want to bet it all on black. If you’re thinking of buying up a second location for your restaurant or moving your home-office software development firm into a building to house some new employees, you have to make sure that it’s not only in the budget, but that you can eat the costs if it turns out to be a wasted effort.
  • Does the market need you to be bigger than you are? If your product or service is a niche market, then there might be nothing to gained by branching out except for a few more bills to pay each month.
  • Have you mastered delineation? The great thing about a small business is you can run it solo. Once you start expanding, you’re going to be hiring middle-management people, so you need to make sure you know how to delineate tasks among them.

If you feel the time is right, then it may well be. The commercial policy General Insurance Agency connects you with will be one of the more affordable new costs as you expand, just cover your bases before you decide it’s time for your St Clovis, NM business to grow.