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Laine Insurance Blog

How To Make Yourself More Visible on a Motorcycle

One of the most difficult things about driving a motorcycle is the other people on the road. You may be following all the rules and doing just what you’re supposed to do and still have an accident because some dimwit in a car "didn’t see you there." You can’t do too much about other drivers, but you can make yourself more visible so that at least they can’t argue that they didn’t see you. Never assume other drivers can see you. You have to make yourself be seen. 

The Gear To Be Seen In

The easiest way to stand out on the road is to wear bright colors. In a world of concrete gray, stand out by wearing fluorescent colors like bright green or yellow. If you ride at night, you’ll have to work extra hard to stand out in the dark. You can put reflective tape, patches or strips on your jacket, pants, helmet or backpack. They’ll light up when hit by the light of headlights. Consider a white helmet or other highly visible color to make you stand out a bit. Create biomotion by attaching reflective materials to your ankles and feet. The human eye is attracted to movement and this will draw more attention. Make sure all the lights on your motorcycle including taillight and headlights are in working order. Consider upgrading to LED. Refective rim tape will make you more visible from the side. You may want to try a helmet-mounted brake and turn signal light for greater visibility. 

Laine Insurance, Serving Colorado

If you are in Colorado and in need of motorcycle insurance, we at Laine Insurance are happy to help. Give us a call today.

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Will Motorcycle Insurance Follow You on Globetrotting Journeys?

Motorcycles invite adventure, encouraging you to drive anywhere in Colorado and the United States. But when you drive north to Canada or south to Mexico, your motorcycle and motorcycle insurance must meet the guidelines of those countries. The same goes for overseas travel. Our team at Laine Insurance, serving Colorado, will tell you if your current coverage is acceptable.

Does Your Colorado Motorcycle Insurance Cover International Travel?

It depends on your carrier, policy, and country laws. Most of the time, U.S. motorcycle insurance will not cover international travel. You must purchase a separate policy. Names could be motorcycle travel insurance, international motorcycle insurance, or green card motorcycle insurance. Here’s what it may offer for the length of the trip.

  • Liability protection against damage and injuries caused by your motorcycle
  • Theft and damage to your motorcycle
  • Your medical coverage 
  • Trip cancellations and interruptions
  • Accidental death and dismemberment

The limitations and benefits of each depend on the carrier. Specific coverage could be available as an add-on. Examples are motorcycle gear protection, lost luggage, and repatriation. Motorcycle insurance is available for single trips, multiple trips, and group trips.

What Else Do You Need for International Travel?

You will need an international driver’s permit that proves you know how to operate a motorcycle. You must ride the correct bike based on your permit, license, or insurance policy. Some countries may also ask for your home country’s motorcycle license. Additionally, you will need to review your overseas motorcycle insurance policy to make sure you’re following the rules. Examples are wearing a helmet and driving on main roads. Our agents at Laine Insurance will gather the required information you need for a safe trip. 

At Laine Insurance, serving Colorado, we want your motorcycle insurance to be ready for overseas travel. We’ll review your current motorcycle insurance policy to see if your carrier has motorcycle insurance for international travel. We will also gather green card motorcycle policies for viewing and selection in case your carrier doesn’t have the coverage you need. Contact us for more information.

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What Insurance Coverage Is Needed When Purchasing A Brand New Boat?

Laine Insurance Offers Coverage For Colorado Boaters

Buying a brand-new boat is a thrilling experience that promises to offer many hours of entertainment on the water. But the purchase of a brand-new craft also comes with certain concerns and responsibilities. The right insurance can help to alleviate these concerns, so you can enjoy your boating experience to the fullest. At Laine Insurance, serving Pueblo West, Colorado, we help our clients acquire the boat/watercraft insurance they need to protect their investment.

Basic Insurance or Comprehensive Coverage?

The state of Colorado does not require boat insurance, but you may be required to have coverage if you lease or finance your new craft. Basic liability insurance, collision coverage and comprehensive coverage are often needed in these cases. In addition, insurance may be required by the marina where you store your boat or other type of watercraft, to protect them against liability claims. Two levels of boating insurance coverage are available. One covers to an agreed upon amount of value for the craft. The other covers the value of the craft at the time of the claim.

Additional Coverage For Your Boating Needs

You may wish to add additional coverage for your boat, such as for mechanical breakdowns, towing longer distances or for expensive equipment you may ordinarily carry on board. These items often include fishing equipment, electronics or other personal items you normally use during boating.

Choose Laine Insurance For Your Boat/Watercraft Coverage Needs

Your new boat should be a source of fun and good times for you, your family and your friends. Our agents can help take the worry out of your boating experiences by helping you choose the right insurance for your individual needs. Contact Laine Insurance, serving Pueblo West, Colorado today for a no-obligation quote on boat/watercraft coverage to protect against unexpected accidents and financial loss.

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The Importance of Updating Your Life Insurance Policy After Major Life Events

Life insurance is one of the most important ways to protect the people you love, but many policyholders forget that coverage isn’t something to set and forget. As life changes, your financial responsibilities and priorities change, too, which means your policy should evolve with you. Serving Colorado, Arizona, Texas, New Mexico, and Alabama, Laine Insurance offers the coverage you need through all phases of life.

When Life Changes, So Should Your Coverage

Major life events can significantly impact how much coverage you need and who should benefit from it. Getting married, buying a home, or having children are all key moments when you should review your life insurance. Adding a spouse or welcoming a child often means adding new dependents who rely on your income and future planning.

Financial Shifts and Career Changes

A change in employment or income can also affect your financial picture. If you’ve taken on a higher salary, new debts, or business ownership, your existing coverage may no longer be enough to protect your loved ones. On the other hand, if you’ve paid off major debts or no longer have dependents, you might want to adjust your policy.

Keep Your Beneficiaries Up to Date

It’s essential to review and update your beneficiaries regularly. Marriages, divorces, and family changes can make old designations outdated. Keeping this information accurate ensures your benefits go exactly where you intend when it matters most.

Review Regularly for Lasting Protection

Regular policy reviews, especially after major milestones, help ensure your life insurance continues to meet your goals and provides the right level of protection for your family’s future. Contact Laine Insurance, serving Colorado, Arizona, Texas, New Mexico, and Alabama, to review your current policy and make sure your coverage reflects your life changes.

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How Commercial Insurance Can Protect Your Pet Sitting Business

Running a pet sitting business comes with unique responsibilities and risks. From caring for animals to entering clients’ homes, unexpected situations can arise at any moment. Commercial insurance provides a safety net that helps protect your business, clients, and reputation.

Coverage for Property Damage

Accidents can happen, even in the most careful pet-sitting business. A dog might chew furniture, knock over expensive decor, or cause other unintentional damage while under your care. Commercial insurance can help cover the costs of repairing or replacing a client’s property, shielding your business from unexpected financial burdens.

Protection Against Liability

If a pet becomes injured or harms someone while in your care, you could be held legally responsible. Liability coverage through commercial insurance provides financial support for medical expenses, legal fees, and settlements. This type of protection safeguards both your business and your reputation, ensuring that a single incident does not derail your operations.

Coverage for Pet Injuries or Loss

Even with the best safety practices, pets may experience accidents, illness, or worse. Commercial insurance may offer specialized coverage for veterinary costs or compensation if a pet is injured, lost, or passes away under your supervision. This layer of protection demonstrates to clients that you take responsibility seriously and are prepared for emergencies.

Business Interruption Support

Unforeseen events such as natural disasters, theft, or fire can disrupt your operations. Business interruption coverage can replace lost income, allowing you to cover ongoing expenses, such as rent, staff wages, and utilities, until you can resume pet sitting services.

Building Client Trust

Carrying commercial insurance signals professionalism and accountability. Clients feel more secure leaving their beloved pets in your care, knowing you are financially prepared to handle unexpected situations.

At Laine Insurance, We’re Proud to Protect Colorado

At Laine Insurance, we’re here to meet all of your commercial insurance needs. Contact our team today to schedule a consultation and discover how we can safeguard your business.

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Are You Disaster Ready?

When you buy a home, you are investing in the future for yourself and your family. Many homeowners understand the importance of protecting their investment by purchasing home insurance. If your home is located in Colorado, our team at Laine Insurance can explain all the benefits of home insurance. We have been working with homeowners like you since 2012.

Are You Disaster Ready?

You never know when your home might be damaged by a storm, fire, flood, or theft. However, there are steps you can take to prepare yourself and your family for the aftermath of a disaster. According to the Colorado Department of Regulatory Agencies, one crucial preparatory step is creating a home inventory. By listing all your valuable belongings, including their prices and model numbers, this inventory can serve as documentation when you file a disaster claim.

If a disaster strikes your home, your priority will be to ensure the safety of yourself and your family. To prepare for evacuation during a disaster, you should assemble a “to-go” bag that includes cash, medications, a battery-powered radio, a change of clothes, and your health history. When disaster strikes, contact your home insurance agent as soon as possible.

Call Us Today for Your Appointment

Your home is more than just a place to live; it represents your dreams and your future. Our team at Laine Insurance offers a wide range of insurance options. Colorado homeowners have come to trust our team for excellent client support and customer service. Call us today to schedule an appointment, and let us help you protect the investment you’ve made in your home.

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How Long Does a Car Accident Impact Auto Insurance?

When investing in car insurance, agencies evaluate various factors to determine your risk level. Your past driving history, including accidents, can impact the availability, type, and cost of coverage. If you’ve been involved in a car accident, you may wonder how long it will continue to affect your insurance rates and options.

At Laine Insurance, we work with drivers in Colorado to find car insurance that provides the best possible protection tailored to their specific needs. Schedule a conversation with us to gain insight into how your accident history impacts your coverage.

Expect an Impact for Several Years

Each insurance company sets its own terms and conditions regarding risk factors that influence rates and coverage availability. Typically, a serious accident in which you are at fault can affect your insurance rates for 3 to 5 years. During this time, your premiums may be higher due to the increased risk you present.

Certain types of accidents can have a longer-lasting impact. For example, incidents involving a DUI or accidents resulting in fatalities due to negligence may affect your rates for much longer—sometimes permanently.

It’s essential to note that not all insurers handle accident history in the same manner. Just because one company imposes strict limitations or higher rates doesn’t mean others will follow suit. As an independent insurance provider, we can help you explore options and find coverage that best suits your situation.

Get a Quote for Coverage That Fits

At Laine Insurance, we specialize in helping drivers in Colorado obtain car insurance that meets their specific needs while keeping costs in mind. Contact us today to discuss your options and receive a customized quote for coverage tailored to your specific needs.

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How to Insure a Rented RV

Traveling through the countryside in a recreational vehicle (RV) sounds like a fantastic way to spend a summer vacation. However, owning an RV full-time may not be practical for everyone. These vehicles are expensive and require significant storage space. Renting an RV could be an excellent alternative for those who want the experience without the long-term commitment. Keep in mind, though, that even rental RVs require insurance. Rental RV insurance is not the same as rental car insurance—it’s typically more expensive, and your credit card may not cover it. Fortunately, obtaining rental RV insurance is a straightforward process.

How to Get Rental RV Insurance and How It Works

The company you rent your RV from may also offer RV insurance if your existing auto insurance doesn’t cover it. Alternatively, you can purchase coverage through your auto insurance provider or a third-party insurance provider. In many cases, you can choose your level of coverage, and the cost may be included in the daily rental fee for added convenience. This eliminates the need for multiple payments.

Because RVs are larger, more challenging to maneuver, and generally more hazardous than typical cars, rental RV insurance tends to cost more. However, the added protection is often worth the investment. Rental RV insurance typically covers liability, collision damage, and personal injury protection, provided the accident was unintentional and the driver was authorized. Note that personal possessions inside the RV are not covered by rental RV insurance; they may be protected under your homeowner’s insurance policy.

Contact Laine Insurance in Colorado

If you’re in Colorado and believe rental RV insurance is a good option for you, contact Laine Insurance. We’re here to help you find the coverage you need for a worry-free adventure.

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How do I know if I need separate motorcycle insurance if I already have auto insurance?

Some insurance companies encourage clients to "bundle" insurance and offer incentives for obtaining more than one type of insurance coverage from the same company. For instance, it might be beneficial to get motorcycle insurance from the same company that insures your auto.

Adding Motorcycle Coverage

If you’re already a client of Laine Insurance in Colorado, it might be easier to get motorcycle coverage if you already have auto insurance. Depending on the insurance underwriter, you might qualify for a discount. Ask your agent to find out what discounts may be available.

Getting New Motorcycle Coverage

If you have auto insurance coverage and want a separate policy to cover your motorcycle, you can get a quote from your agent for a separate motorcycle insurance policy. Then you can compare the total cost of coverage when the policies come from different companies.

Colorado Minimum Insurance Requirements

Colorado has mandatory minimum auto insurance requirements, as well as minimum requirements for motorcycle insurance. It’s a wise strategy to have more than the basic minimum insurance requirements, but it’s certainly not legal to drive a vehicle or a motorcycle in the state of Colorado without meeting at least the minimum insurance requirements.

Custom Motorcycle Insurance

Often, motorcycle enthusiasts spend significant amounts of time and money customizing their bikes with accessories and special features. In such cases, it may be essential to update motorcycle insurance coverage for these customizations. It’s best to keep your insurance agent informed.

Contact your agent at Laine Insurance in Colorado for any questions about motorcycle insurance coverage and to update your policy if any substantial changes have been made that would affect your existing coverage requirements.

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Does Watercraft Insurance Cover Theft?

When you own a boat, it’s important to take care of it. For many boat owners, having the right insurance policy is a part of boat ownership. The professionals at Laine Insurance, servicing Colorado, can help.

We work with many insurance carriers to help our customers. It’s important to us to guide you to the right insurance policy. Here’s what you need to know about boat insurance and whether it covers theft.

Does Watercraft Insurance Cover Theft?

Not all watercraft insurance policies cover theft. Comprehensive watercraft insurance does cover theft. If you need to have a watercraft insurance policy that will provide coverage in the event of theft, speak with your insurance professional.

Your insurance professional can help you find the right watercraft insurance for your needs. If you live in an area where watercraft insurance theft is common, a comprehensive insurance policy is a good idea.

How Can You Get Comprehensive Watercraft Insurance?

To get comprehensive watercraft insurance, talk to your insurance agent. Your insurance agent may ask you questions about your budget, your boat, and the type of coverage you prefer. Next, the insurance agent will produce quotes from one or more insurance companies.

When you work with an independent insurance agent, you can get quotes from multiple insurance companies. This can help you choose a type of watercraft insurance that best suits your budget and needs.

Need More Information? Call Today

Do you want more information about watercraft insurance? Talk to the professionals at Laine Insurance, servicing Colorado. We’re here to help!

Call today to speak with one of our insurance professionals. We’d be happy to answer your questions about watercraft insurance and provide you with quotes from reputable insurance carriers.

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