Car Insurance and Water Damage to Engines

Have you ever dealt with water damage to your car engine? If you have then you know it can lead to hydrolocking. This occurs when you’re driving during times of heavy precipitation, wet conditions, or when there’s excess water on the roads.

Water can damage your vehicle as it affects the internal combustion and causes the engine to seize.

If you live in an area that involves a lot of driving near or in water, then this is something you should definitely be preparing for. Here’s what you need to know!

What is Hydrolock Car Insurance?

Hydrolock car insurance is a type of insurance offered for hydrolock engine damage repair costs. These costs can be quite expensive because the damage takes a lot to fix. If your engine becomes hydrolocked because of water then you’ll need more than basic insurance coverage to get the costs taken care of.

Comprehensive car insurance will cover hydrolock damage. This is what you’ll need as a part of your car insurance policy in order to ensure protection.

What Factors Affect Your Insurance Rate?

It’s important to remember there are a lot of factors that can affect your car insurance, such as:

·       Age

·       Gender

·       Location

·       Driving history

·       Coverage type

Does Regular Car Insurance Cover Water Damage to Engines?

Regular or basic car insurance in Longmont only covers situations where you get in an accident with another vehicle. This means coverage for bodily injury and any property damage caused from the accident.

Because your engine doesn’t hydrolock in the event of an accident, regular car insurance doesn’t cover it. Unless you find yourself in a situation where your vehicle crashes into a body of water, which is very unlikely. That’s why it’s so important to look at other coverage in place.

If you have questions or are wondering if your car insurance policy covers water damage to your engine, we’re here to help! Give us a call today to review your policy and get answers to your questions.

What is Medical Payments Coverage and How Does it Work?

We know that medical payments coverage can be a confusing topic for many of our clients. To help clear up any knowledge gaps in this area, let’s discuss what medical payments coverage is and how it works in today’s post! 

What is medical payments coverage?

Medical payments coverage goes by a few different names, including medical expenses coverage or “MedPay,” but they each mean the same thing: insurance coverage for medical bills resulting from an accident–regardless of which driver is at-fault.

In no-fault states (there are 12 of these but Colorado is not one of them), this coverage isn’t available. But for drivers who have this option, it may need to be turned down in writing if they do not want it. 

How does medical payments coverage work?

MedPay coverage works by offering you, or anyone else injured in the collision, with coverage for resulting medical bills. It is especially useful for people whose own medical insurance has a high deductible. 

Medical payments coverage tends to have higher coverage limits and covers a broader range of treatments and services. It can give drivers a lot of peace of mind that they won’t face financial ruin if they, or their passengers, are injured in an auto accident.

It can cover a number of things, including:

  • Emergency room visits
  • Doctor visits
  • X-rays
  • Prescriptions
  • Chiropractic services
  • Surgery

What kind of coverage do I need?

In Colorado, car insurance is legally required with these minimums:

  • $25,000 for bodily injury or death to any one person in an accident;
  • $50,000 for bodily injury or death to all persons in any one accident; and
  • $15,000 for property damage in any one accident. 

Although MedPay may not be legally required, it’s beneficial for most drivers and it’s often more affordable than they think! Do you want to talk more about the insurance options that suit your needs and your budget? Give the team at 1st American Insurance Agency a call today to discuss your options!

Does Car Insurance Cover Theft? Here’s What You Need to Know

After you have dealt with the initial aftermath of discovering your vehicle has been broken into, your next question might be, “Does car insurance cover theft?” Today, we’re going to answer that question and how the answer varies depending on vehicle theft or items being taken from your vehicle.

Does Car Insurance Cover Theft if Your Vehicle is Broken Into?

First, let’s talk about what kind of coverage you might have if your car is broken into and your property is taken. 

Car insurance does not, in fact, cover theft if your vehicle is broken into and your property is taken. 

Instead, you would rely on your renters insurance or the personal property insurance on your home insurance policy for this coverage.

Another common question we get about what is covered by car insurance has to do with interior damage. Click here to read Is Interior Damage Covered by Car Insurance?

Does Car Insurance Cover Vehicle Theft?

Let’s say that instead of your property being taken from your vehicle, your entire vehicle was stolen. Will insurance cover the cost of repairing or replacing it?

Yes and no: yes, if you have comprehensive coverage in place, and no if you only have the legally required liability insurance.

This is just one reason comprehensive insurance is encouraged for most drivers. In addition to applying to vehicle theft, it can be used to cover the costs associated with damages from vandalism, storms, falling objects, fires, animal damage, and more. 

If you’re interested in learning more about comprehensive car insurance in Colorado, click here to read 3 Things You Need to Know About Comprehensive Coverage.

Find the Right Auto Coverage for Your Needs

Comprehensive insurance is a great option for most drivers, and for truly full coverage car insurance you will want to combine it with collision insurance. The amount and the type of coverage can vary from driver to driver. But rest assured, 1st American Insurance Agency is here for all of your car insurance needs in Longmont. 

Call us today and we will get started on the right policy for you: 303-774-8810

Cybersecurity Considerations for Working & Learning From Home

It’s as if 2020 has only continued to bring on new challenges. Children are now either learning from home, or are faced with going back into the classroom. At the same time, some adults are continuing to work from home and others are gearing up to head back into the office.

While we prove to be resilient and adaptable to the ongoing changes in our world, cybersecurity is one thing schools and businesses have become much more concerned with.

As safe as you might feel in the comfort of your own home, there are still a variety of cybersecurity risks you’ll face. And as many of us are spending more time at home than ever before, it’s an important time to make sure your cybersecurity practices are sufficient.

Cybersecurity Risks When Working from Home

Regardless of where you are in terms of your everyday location, one challenge we all continue to face is the security of our technology. 

This is especially true for those who work from home as remote devices are more difficult to manage. Phishing scams only continue to progress, and data is becoming more and more vulnerable to breaches.

How to Stay Cyber Secure Working from Home

Security should always be a main priority – for any business of any size. Luckily, there are some security best practices to follow and use when it comes to working from home.

  • Use virtual private networks
  • Stay away from using public Wi-Fi where information can become more vulnerable
  • Use multifactor authentication to get into your systems
  • Update software consistently
  • Only devices that are approved by the business or school itself should be used while working remotely
  • Secure endpoints
  • Encourage remote workers to come up with strong passwords

Utilizing these best practices is the greatest way to ensure your data and information stays protected. It’s up to schools and businesses to communicate these best practices to employees, parents and students in order for them to be effective.

Frequent communication could make all the difference in whether or not a breach takes place, and security is the responsibility of everyone. It’s important we are all aware of this fact.If you would like to learn more about data and security, and what you can do to stay protected, contact us! We would be happy to share our knowledge and help make sure you and your business or school are safe.

Is Interior Damage Covered by Car Insurance?

When you think of vehicle damage, a dented bumper or a smashed windshield might come to mind. But what about interior damage? 

If you’re dealing with things like ripped upholstery or damaged speakers, the repair costs can be astronomical. So it’s no wonder one of the most common questions we get from our clients is this: “Is interior damage covered by car insurance?” 

Is interior damage covered by car insurance?

We’re glad you asked! It’s important to understand your car insurance coverage, and it’s especially beneficial if you understand it BEFORE you need to use it. 

Like most types of vehicle damage, coverage for interior damage depends on how the damage occurred as well as what kind of coverage you have in place.

Interior damage from collisions

In the unfortunate event you’re in an accident and the interior of your car sustains damage, there are a few ways insurance could cover the repairs. 

First, if the accident is considered the other driver’s fault, their own insurance could go toward repairing the damage.

But let’s say you’re responsible for the collision. 

In that case, you’ll need collision insurance in place! If you only have the legally required minimum insurance, it won’t include coverage for repairing or replacing your own vehicle after an accident for which you’re at fault.

If you add collision insurance to your policy, it can help cover repairs and replacement from damage sustained in collisions with another vehicle, an object, or if you’re in a single vehicle collision (like a rollover). 

Damage not related to collisions

There are all kinds of ways your vehicle’s interior could get damaged that have nothing to do with an accident! 

All too often, we hear stories of campers who leave their car doors unlocked only to discover their upholstery has been torn to shreds by wildlife. When that happens, will insurance cover the damage?

In that case, you’ll want to have comprehensive coverage on your policy. This insurance applies to damage from non-collision related events, including animal damage like we just mentioned, as well as damage from falling objects, storms, vandalism, and theft. 

What kind of interior damage is covered by auto insurance?

Here are a few examples of interior vehicle damage that could be covered by your comprehensive or collision insurance:

  • Upholstery damage
  • Speaker damage
  • Interior vandalism 
  • Seat damage
  • Dashboard damage
  • Floor and trunk mat damage
  • Steering wheel damage

Are you interested in learning more about the Colorado car insurance options that give you the kind of protection you need for whatever comes your way? Get in touch today: 303-774-8810.

Do I Need Comprehensive Auto Insurance? Here’s How to Tell

It’s a question we get from our clients on a daily basis: Do I need comprehensive auto insurance? To help you answer this question, we like to present you with a number of situations where this additional coverage proves useful.

Before we explore when this insurance comes in handy, let’s discuss some of the basics of comprehensive car insurance.

What is comprehensive auto insurance? 

Comprehensive auto insurance, or comprehensive coverage as it’s often called, is a form of financial protection against a number of unexpected events that could damage your vehicle. 

Like collision insurance or liability insurance, comprehensive coverage was created with specific forms of protection in mind.

When you think of comprehensive coverage, think of coverage for physical damages from things other than collisions. 

Here are some of the events and damages comprehensive auto insurance can cover:

  • Damage from falling objects
  • Theft
  • Vandalism
  • Storm damage
  • Damage from animals

When will comprehensive coverage come in handy?

If you’re still not sure if this coverage is right for you, ask yourself if you could afford the cost of repairing or replacing your vehicle on your own. 

Further, imagine if any of these situations happened to you or your vehicle, and how you would cover the damages:

  • Your car window is smashed by a vandal and the paint is scraped on the doors
  • During a camping trip, a bear gets into your vehicle and damages the interior
  • You return home from a vacation to discover your car has been stolen
  • A large icicle falls on the hood of your car, doing extensive damage

As you can imagine, all of these situations would be costly to cover alone. With the help of comprehensive insurance, you’ll have added financial protection from things other than collisions! 

Click here if you’re interested in learning more about comprehensive motorcycle insurance.

Learn more about comprehensive auto insurance in Longmont

Are you interested in finding out more about comprehensive auto insurance in Longmont and if it’s right for you? We’re here to help! Our team is standing by to help you with all of your insurance needs in Colorado. Email one of our friendly agents today to get started.

Three mistakes to avoid when you purchase recreational vehicle insurance in Colorado

It’s important for you to invest in RV insurance if you are a Longmont, CO resident with a recreational vehicle. At 1st American Insurance Agency, we can help you find the right recreational vehicle insurance policy in Colorado.

The following are three mistakes to avoid when you purchase recreational vehicle insurance in Colorado. 

Buying recreational vehicle insurance in a hurry

Your recreational vehicle is a valuable possession. As such, you need to protect it with the right insurance policy.

Purchasing a recreational vehicle insurance policy requires careful research and consideration. Don’t rush yourself when you’re deciding between various policy options. Make sure you take the time to research different policies available to you. Then, evaluate your options carefully. 

Buying a policy in a hurry makes it more likely that you will overlook important details. This could come back to hurt you down the road if you have to file a claim. 

Not knowing what type of recreational vehicle you own

There are many different types of recreational vehicles out there. When you’re shopping around for policies, it’s important that you’re aware of what type of recreational vehicle you own. Different recreational vehicle types cost different amounts to ensure.

Among the various recreational vehicle types out there are trailers, campers, and sport utility RVs. In terms of motorhomes, there are Class A, Class B, and Class C motorhomes. It’s important that you properly identify your motorhome type when you’re looking for recreational insurance policy quotes. 

Being unaware of state requirements

Recreational insurance policies need to meet some general liability requirements. You need to carry $50,000 in bodily accident coverage and $15,000 in property damage coverage per accident in addition to meeting several more state requirements. 

Are you currently on the market for recreational vehicle insurance in Longmont, CO? At 1st American Insurance Agency, we’re here to help. Get in touch with us to start exploring your recreational vehicle insurance options. 

3 Reasons To Add Umbrella Insurance To Your Company Policy Today.

Longmont, CO is a lovely community with scenic vistas amazing summers, and a reputation for welcoming small businesses. If you own your own business in Colorada then be sure that you have the coverage you need for optimal protection and peace of mind. At 1st American Insurance Agency, we are happy to answer any questions you have about umbrella insurance.

3 Reasons to Add Umbrella Insurance to Your Company Policy:

  1. Not all businesses fit into a typical commercial policy. You know your business inside and out. You know if you rely on a particular asset that goes beyond the typical coverage limits. Maybe it is an industrial oven with upgrades for your specific product that is practically irreplaceable or something else that is hard to fit in a regular policy. An umbrella policy helps protect your company’s unique assets beyond what a commercial policy may. 
  2. There is much at risk if you do not have proper protection. When you run your own business you have a responsibility to your employees as well as yourself and if something is lost that could have been covered by an umbrella policy you have put more than yourself in a dire situation. An umbrella policy simply covers more. 
  3. It is an affordable piece of mind. In most cases an umbrella policy is an affordable addition to your current business insurance coverage, it is easy to purchase and easy to keep up. For little effort, you get a significant amount of stress reduction and protection. 

Contact us 1st American Insurance Agency if you are ready to update or increase your insurance with an umbrella policy, or if you are looking to purchase your first commercial insurance policy. We serve the community of  Longmont, CO, and the surrounding area with quality insurance services and we look forward to hearing from you. 

Who needs home insurance in Longmont?

If you are in the Longmont, CO area, there are many forms of insurance coverage that you may need to have. One form of insurance that many people here need to have is home insurance, which can provide you with protection for your dwelling and give liability protection. There are several scenarios when having coverage is a necessity. 

Anyone with a Mortgage

Due to the amount of money that it can take to purchase a home, the majority of home buyers will end up taking out a mortgage when it comes time to close. If you do take out a mortgage, there are certain rules and requirements that you will need to abide by. One important rule to follow is regarding insurance. Your lender will have specific insurance requirements that will need to be met at all times. 

Those in a Home Association

If you have purchased a home that is part of a larger association, you are also going to need to understand the rules that are in place. Any home association will have a rule book that you need to follow. One section of this will display the insurance requirements that all members need to have. Most of the time, it will also be a requirement that you provide recurring evidence of this insurance.

As you are looking for home insurance in the Longmont, CO area, it is very important that you carefully consider your personal needs. There are many situations when having this form of insurance is going to be a necessity. If you are looking for insurance here, you should call the 1st American Insurance Agency. The team at the 1st American Insurance Agency can help you by answering any questions and helping you to build and get into a quality policy. 

Does Auto Insurance Cover Vandalism in Longmont?

Vandalism to a car in Longmont, CO can be done for any number of reasons. In some cases, the damage is intentional while in others, it’s purely accidental. But no matter how it occurs, your car will still need to be fixed. 1st American Insurance Agency wants you to know more about whether this will be covered under your policy. 

Check Your Terms

Vandalism is generally covered under your auto insurance policy, as long as you have extended coverage for it. If you simply have liability for it, then the damage will not be covered.  Vandalism is a crime, which means that the law does require the offending party to pay for the damages.  However, because vandalism is often completed far from the eyes of witnesses or law enforcement officials in Longmont, CO, you may not ever be able to get the justice you’re looking for. 

What You Can Do 

There are a number of ways to protect your car from vandalism. The simple act of finding a garage to park it in it can go a long way toward keeping others away. This may mean paying extra for valet or taking the time to pull into the garage every night. Or you might consider getting a dashcam to ensure that you can at least see who the person is who vandalized your car or how it occurred. 

If you’re concerned over whether your policy covers this particular act, call 1st American Insurance Agency today to find out more about the conditions of your contract. We’re here to help you get a handle on what might happen, and how you can have the right safety net should it occur. You might need to change your policy to ensure that you get what you need, so start the conversation with us today.