5 Tips to Preventing Motorcycle Accidents

Safety is of utmost importance to motorcycle riders. It only takes one accident to put you on the sidelines for a very long time. Whether you’re a newbie to motorcycles or have years of experience on the road, the following safety tips can help reduce your risk of accidents.   

Be More Visible

As motorcycles are smaller than vehicles, they tend to be less visible on the road, especially at night or when passing other vehicles. You can compensate for this by keeping your bike’s headlight on at all times and steering clear of other drivers’ blind spot. Avoid splitting lanes during rush hour traffic (or anytime) and wear reflective clothing at night.

Never Drink and Drive

Drinking and driving can be fatal for a motorcycle rider and should be avoided at all costs.

Don’t Drive in Bad Weather

If the weather forecast calls for heavy winds, rain, ice or snow in Clovis NM, leave your bike at home. Riding under these conditions only puts you at risk of having an accident.

Follow Speed Limits  

You may enjoy cruising at high speeds on the highway, but consider the consequences in the event of an accident. For safety sake, follow posted speed limits for both city and highway riding.

Take a Motorcycle Safety Course

Through a safety course, you can learn (or hone) motorcycle skills that can make you a better rider such as brake control, throttle control, evasive maneuvers, low-speed turns and more. The more you practice safe riding techniques, the greater your chances of not having an accident.

Last, but not least, make sure you have adequate motorcycle insurance coverage. At General Insurance Agency, we offer quality motorcycle insurance options at affordable costs. For a free quote, contact an agent from General Insurance Agency in Clovis, NM today.

Boat Insurance Options for Summer Fishing Fun

Clovis, NM has plenty of fun lakes to explore and fish during the summer. If you plan on taking yours out this year, you need one or more insurance policies from us at General Insurance Agency.

Types of Boat Insurance Options

Boat insurance falls into two types: agreed value and actual cash value. The first type covers your boat based on its worth when the policy was written while actual cash covers the boat based on its value at the time of the incident that requires the insurance to repair.

These policies can be applied to multiple types of boats, personal watercraft devices, yachts, sailboats, dinghies, professional fishing boats, boating clubs, and even rental boats. Commercial policies help protect businesses who plan on renting boats out to people during the warm summer months.

Coverage Options

Insurance policies for boats typically fall under these coverage options:

  • General Coverage – Takes care of basic boating damage
  • Specialized Coverage – Individual insurance options for specific items on a boat.
  • Salvage – Pays to remove a boat from a lake or body of water if it sinks.
  • Towing – Moves your boat across a body of water if its engine fails.
  • Consequential Damage – Pays for damage caused by wear and tear.
  • Cruising Extension – Coverage for trips that take place outside of the country.

Factors That Influence Boat Insurance

People buying boat insurance need to consider the following factors before buying a policy:

  • Age
  • Length
  • Cost
  • Engine (horsepower and speed)
  • Build condition
  • Type of boat
  • Ownership
  • Bodies of water its used on

Find the Right Policy for You

So if you plan on taking your boat out this summer in Clovis, NM, please contact us at General Insurance Agency to find a policy that works for your needs.

Does My Employer Have to Provide Life Insurance?

People live in Clovis, NM, for a number of reasons. Cost of living is low. There’s none of that urban sprawl and hassle. The desert air is great and the sunsets are unbeatable. Life in the area can be pretty laid back, and as a result many residents don’t always take a proactive stance on things like life insurance. You know you need it, but you might not know the best way to get it. General Insurance Agency has the answers you seek.

It Depends on the State

New Mexico is among many right to work states. That comes with its own set of pros and cons. The good news is that you can leave any job at any time for any reason. You can also take any job offered to you. On the other hand, employers have that same freedom. They can fire any employee for no reason at all. They also aren’t obligated by the state to provide benefits. New Mexico law makes no guarantees for retirement, health insurance or life insurance. The first two on that list are partially covered by federal law, but life insurance is not. Your job in Clovis, NM, might include life insurance, but it doesn’t have to.

Staying Protected

Life insurance is a bit of a problem for New Mexico residents. It’s one of the states with the lowest levels of coverage, and many New Mexicans suffer as a result. If your company doesn’t provide life insurance, you still need a policy. Thankfully, seeking out your own solution isn’t terribly difficult. Depending on your situation, you may be able to lock into an extremely affordable policy that lasts for the rest of your life.

Your policy won’t magically appear. You will have to put in a little effort. General Insurance Agency is here to make it as easy as possible. Make a phone call and see what policies are available. You can be covered with less trouble than you think.

 

The Importance of Commercial Insurance

Whether you established your business many years ago or are just starting out, commercial insurance is something you will be happy that you had. Commercial insurance from a trusted insurance company, such as General Insurance Agency in the Clovis, NM area, will protect your business from a wide range of financial burdens, including workers’ compensation, liability, crime, and natural disasters. Without this insurance, you are looking at paying out of pocket if something were to happen to your business or employees. Not only would you have to fork over the cash, but there may also be legal penalties for failing to acquire the proper insurance.

Types of Commercial Insurance

There are a number of insurance policies to consider for your business, but the most common ones are:

  • Workers’ compensation: Will protect against any accidents that may occur with your employees.
  • Liability:  Keeps the business safe when damage is caused to any third parties, such as customers.
  • Property: This type of insurance will keep the business safe against any damages to the property, like a fire or natural disaster.

Benefits of Commercial Insurance

Accidents or theft occur more times than they should, so it is crucial that you take action against it ruining your business by obtaining commercial insurance. Whether your employee gets injured on the job, your store is broken into, or a customers’ items are damaged in your place of business, being covered with this type of insurance will protect the business you have built. But you can’t do it alone. Having an insurance company that you can depend on in the Clovis, NM area will put your mind at ease. General Insurance Agency is one type of insurance company that would be happy to help you find the right coverage for your needs. However, make sure to do research insurance companies in your area to find that one that will work best for your business.

 

How to Determine What Kind of Commercial Insurance You Need

Commercial insurance is a unique type of insurance in that there is no specific policy that you can choose. It is one where you can actually build what you need into the insurance plan so there are no two insurance policies that are the same. This is true even in Clovis, NM and if you are looking to get a commercial insurance policy for your business, General Insurance Agency can help you. 

Because no two businesses are exactly alike, there are no two commercial insurance policies that are as well. You want to be able to choose the things that you need in an insurance policy to make it work for you. In order to determine how this insurance policy will look, you need to take a look at what you need specifically from a commercial insurance policy. There are a lot of things to take into consideration including things like workers compensation and coverage for any machinery that you may have. It may even be helpful to take a look at some of the most common coverages so you can make sure that you get exactly what you need from your policy. 

Because there is so much that can be covered by a commercial insurance policy, you want to make sure that you cover everything that you need. This can be hard to do if you do not know what to consider or if this is your first commercial insurance policy. If you need help figuring out what you need in your policy to make sure that your business is completely covered, be sure to reach out to us here at General Insurance Agency, serving Clovis, NM. We can help you find the right policy that will fit into your budget. 

Put Your Car in Your Garage (Your Insurer Will Love You For It)

One of the biggest contributors to people’s cars being broken into in Clovis, NM is when the same car owners make it easy for thieves and vandals to access the car. Folks who are in the business of looking for easy opportunities most often roam for quick grabs. And leaving one’s car outside and, in some cases, unlocked, makes it much easier for a thief to help himself than if the car is in the garage. The more barriers between a thief and a target, the more likely that a thief is going to opt for an easier alternative.

The home garage is far more effective than an ignition lock, a sound alarm, a neighborhood watch or even a wheel block. That’s because the garage door literally takes the car out of sight. Further, it elevates the crime in Clovis, NM when a criminal gets caught by the police. It’s one thing to grab a small item from the car or break a window. In most jurisdictions, that’s a misdemeanor. However, once a person breaks into a home, even a garage, they have definitely crossed into the felony territory. And if someone is home, it changes from a larceny into a burglary, and even more serious felony class. So many thieves avoid homes altogether, opting for the easier path in theft crimes from what General Insurance Agency experts have seen with claims.

To find out how much of a difference a garaged car can mean for your auto insurance, have a chat with the folks at General Insurance Agency. They can get right down to the details of how the simple garage can mean big difference savings for your car insurance policy.

How Much Auto Insurance You Legally Have to Have

Auto insurance is something that can be a bit tricky for some but it doesn’t have to be. Here at General Insurance Agency, serving Clovis, NM, we know that you simply need to have the minimum amount of coverage based on the laws in the state. You do not have to any anything more unless you want to have it but you cannot have anything less or you will be breaking the law. As long as you meet the minimum requirements for the state of New Mexico, you will not have any issues.

What Are the State Minimum Requirements?

In the state of New Mexico, the laws for auto insurance outline that drivers of vehicles are required to have minimum liability auto insurance. There are also specifically set amounts of coverage that are needed. Drivers need to have at least $25,000 in coverage for bodily injury to or death of one person, $50,000 in coverage for bodily injury to or death of two or more persons, and $10,000 in coverage for property damage in any one accident. Keep in mind that these are all liability coverages.

Now that you know what is required of you in order to remain legally compliant in terms of auto insurance in Clovis, NM, you need to make sure that you have that coverage. If you are not sure how much coverage you currently have and if it meets the minimum requirement, we can take a look at that for you. if you do not have a policy, we can even get you a free quote for coverage that will ensure you are following the law and also staying within budget. Be sure to reach out to us here at General Insurance Agency today to get started.

How to Choose the Right Coverage for Your Business

Finding the right insurance coverage for your business in Clovis, NM can depend on a number of different factors, including your industry, how many employees you have and risks associated with your business. An agent at General Insurance Agency can help you find the right coverage for your business, but there are a few things you should know.

You will want to start with business liability coverage. General liability coverage will cover a number of different things that could affect your business. Coverage includes bodily injury and property damage that is caused by your company. It also includes if your company is sued due to copyright infringement or other defamation lawsuits.

If your business has employees, some type of workers’ compensation insurance can be necessary, even if your employees are not doing physical labor. Those that work at desk jobs can suffer injuries to their wrists that still need to be covered. No matter what type of work your employees do, workers’ compensation can be beneficial for the company.

Thinking of additional risks you have can help determine what additional coverage is needed, and you will want to review on an annual basis. Ask questions about your business’ day-to-day operations; is there expensive equipment that is handled? You know your business better than anyone, so make sure to discuss any risks with an agent. If a business has a lot of company cars, commercial auto insurance should be considered. General liability insurance does not protect against fault to properly render services, so for service-based professional firms like lawyers, accountants, and consultants, professional liability insurance may be necessary.

As your business grows, you may need additional coverage to stay protected. Contact an agent at General Insurance Agency serving Clovis, NM for a quote on business insurance.

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.

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.