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What if My Homeowners Insurance Claim is Denied?

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Nothing can be more frustrating and upsetting than having your Colorado home incur some type of damage, and then you file a claim through your homeowners’ insurance policy, only to have it denied. Unfortunately, not every homeowners’ insurance claim is going to be approved, but having yours denied can be like a blow. So, just what do you do if you’ve filed a legitimate claim, and it was denied? 

Read the Explanation for the Denial

Your insurance company is likely to either contact you by email or by regular mail with the denial letter. This letter will contain a thorough explanation as to why your claim was denied, as well as what you can do about it. 

Contact Your Agent

If you want further clarification as to why your claim was denied, your agent can provide that for you. The agent can also explain what steps you need to take to possibly get your claim approved. 

File an Appeal

Each time your insurance company makes a decision, it is always your right to file an appeal if you don’t agree with their decision. By filing an appeal, you’re forcing your insurance company to revisit your claim and reconsider it. It’s a good idea to submit supporting documents, if possible, such as police reports, photos, etc.

Reach Out To Us

Instead of becoming upset because your homeowners’ insurance claim was rejected, you should take action. Whether you decide to appeal or request mediation, chances are you’ll eventually get the results you’re looking for. If you live in Colorado and you’d like to find a new insurer, give us a call at Laine Insurance. At Laine Insurance, we go above and beyond to ensure our customers are happy, and we make the claim process easy. Contact us today for a quote, and one of our licensed agents will be happy to assist you. 

What will happen if I have a lapse in auto insurance coverage in Colorado?

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Carrying auto insurance is a necessity for any car owner in the state of Colorado. Not only is this required by law, but it also offers ideal coverage that can prove to be quite helpful in some situations. While you may have insurance today, there will come a time when the policy expires. When this happens, it is very important that you either renew it or enter into a new policy. A variety of negative outcomes could occur if you do have a lapse in this insurance. 

Face Punishment

One challenge that could arise if you have a lapse in coverage is that you can face punishment. Those in this state are required by law to carry auto insurance. If you do not have the minimum level of insurance, you can face various penalties including fines and even loss of driving rights. Further, you may find yourself in default on a car loan agreement. 

Lose Coverage

With a lapse in coverage, you will also lose coverage in your insurance. An auto insurance plan can be designed to protect both you and your vehicle. In many situations, this offers very helpful financial protection. If you do not have the right insurance due to a lapse, you can lose your coverage entirely. This could require you to cover such costs out of pocket. 

Consult With Us

If you do not continue to carry a full auto insurance plan in Colorado, there are a variety of potential negative outcomes. Because of this, you should always ensure you are current with your insurance. When you are looking for a new plan, you can call our team at Laine Insurance. At Laine Insurance, we will always work hard to ensure you choose an auto plan that is right for your situation. 

Don’t Forget RV Insurance When You’re Exploring the Rockies in Colorado!

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Local adventure enthusiasts know that cruising down the road in your RV is an ideal way to explore the majestic Colorado Rockies. 

The winding mountain roads of the Rockies can be challenging to navigate, so having RV insurance is a must when exploring Colorado’s rugged terrain. RV accidents can happen, and without adequate insurance, you may find yourself responsible for damages to your RV property or even bodily injury claims for more severe accidents. 

Laine Insurance Can Help Protect Your RV from Natural Disasters, Unpredictable Weather, and Theft

Colorado’s Rockies have unpredictable weather patterns, including sudden snowstorms, hailstorms, and torrential rain. 

Hailstorms and Severe Weather Protection

  • Hailstorms and severe thunderstorms can leave behind dents or scratches in your RV’s paint or siding. 
  • Water leaks and other damages resulting from bad weather can enter RVs, jeopardizing their structural integrity. 
  • Cracks and leaks in RVs are incredibly damaging and must be repaired by a licensed technician as soon as possible. RV insurance can help cover damages resulting from natural disasters like these and other unexpected events. 

Comprehensive Protection for Campers 

Theft of personal property and vandalism of your RV are concerns when your RV is left unattended for long periods — even when visiting some of the most upscale RV resorts and campgrounds.

Get peace of mind when you get comprehensive RV insurance coverage that protects your Motorhome, towable, or pull behind and your belongings from theft or damage. 

Laine Insurance in Colorado can help you choose an insurance policy that meets your family’s needs

Knowledgeable insurance agents can talk to you about the variety of policy coverages and add-ons like emergency roadside assistance towing insurance features that can provide you with even more coverage. 

How can motorcycle insurance in Colorado protect someone?

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A motorcycle in the state of Colorado can be a great mode of transportation. During the warmer months of the year, they can be a lot of fun to drive. If you are looking to purchase a motorcycle, you also need to get a proper motorcycle insurance policy. This insurance will protect you in a variety of helpful ways. 

Reduce Liability Risks

A way that you can be protected by your motorcycle insurance plan is by receiving in financial damages that come with a liability claim. When you are looking to buy a motorcycle and use it regularly, there will be a risk you could be at fault in an accident. In these situations, you will have to cover the damages that are caused. However, if you do get a motorcycle insurance plan, you will have support so you can cover these costs. This coverage is also required by state law.

Protect Your Motorcycle

You will also want to get a motorcycle insurance plan so you can protect your motorcycle. Buying one of these vehicles can be quite expensive and take a big investment. Fortunately, you are able to protect this investment and asset if you get a proper motorcycle insurance plan. This coverage will offer support so you can replace or repair it in the event you are a victim of theft or accident damage. 

Reach Out To Us

It is always a good idea for people in the state of Colorado to get motorcycle insurance when they are going to purchase one of these vehicles. If you would like to get a new motorcycle insurance plan here, you should call our team with Laine Insurance. When you call our team with Laine Insurance, we can help you assess your needs and build a new complete motorcycle insurance plan. 

What could happen if I do not get boat insurance in Colorado?

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While the state of Colorado is well known for having mountains and skiing in the winter, it can also be a great place to live in the summer. During this time of the year, you will get to enjoy the warm weather, plenty of lakes, and fun recreational options. This is especially true if you own a boat. If you choose to buy a boat when you are here, you will want to get insurance as various negative things could occur if you do not. 

Why Boat Insurance?

Lose the Asset

One of the issues that can arise if you do not have boat coverage when you are in this state is that you could lose the asset. If your boat is stolen or damaged, the cost to replace or repair it can be significant. If you do not have insurance, you will need to pay for this out of pocket or will no longer have access to a boat. 

Face Liability Claims

You may also face liability claims if you do not have a boat insurance plan. If you cause an accident, you will be financially responsible to cover damages. If you do not have the right insurance in place at all times, you will need to cover these costs out of your own savings. 

Reach Out To Us

If you own a boat in the state of Colorado, carrying boat insurance is highly recommended and often a requirement for you to have. When looking for insurance coverage for your boat, contacting our team at Laine Insurance is a great idea to consider and a good way to start the process. Our team at Laine Insurance can help you explore a variety of excellent coverage options and help you in creating a new policy tailored to your needs.

How much life insurance should I get?

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Life insurance from Laine Insurance is an important part of any financial plan, as it provides security and peace of mind in the event of an unexpected death here in Colorado.

But how much life insurance should you get? 

The amount of life insurance you need depends on many factors such as your age and health, income level, number of dependents, and retirement goals. Start by considering how much your family would need just to cover basic expenses if something happened to you, such as funeral costs, mortgage payments, and educational or childcare costs. 

It’s also important to think about long-term goals like retirement planning or providing for a spouse after you’re gone. Consider the amount of money that would be required to accomplish this goal and add it to the amount that would be needed to cover basic expenses.  You may also want to consider whether you will need additional benefits, such as funds for college education or another large purchase. 

Finally, review your policy regularly and make sure it’s sufficient for your current needs. A life insurance agent can help you determine the best coverage for your situation. By taking into account all the necessary factors when choosing a policy, you can rest assured that you have peace of mind knowing that your family will be taken care of if something happens to you.

We Are Here To Help!

For more information, give us at Laine Insurance a call today. We are proud to serve the people of Colorado and would be happy to help you find a policy that meets both your needs and your budget. You will sleep better knowing that your family is protected in case something should happen. So don’t wait! Call today!

How workers compensation insurance can help protect both you and your employees

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Workers’ Compensation insurance from Laine Insurance is an important form of protection for both employers and employees here in Colorado. Not only can it provide financial help to employees if they are injured on the job, but it also serves to protect employers from liability in the case of employee injury or death.

Benefits of this vital coverage

If an employee is injured while on the job, workers’ compensation insurance will cover medical expenses and a portion of lost wages. This gives employers peace of mind that they won’t be held responsible if an employee sustains an injury while at work, as well as providing coverage for any medical costs related to the injury. In addition, this coverage option can also provide death benefits to families of workers who die in a work-related incident. 

In addition to protecting employees, workers’ compensation can provide reassurance for employers that they won’t be held liable in a lawsuit resulting from an employee injury. Without this type of coverage, companies could face potentially devastating damages that could put them out of business. 

Overall, workers’ compensation insurance is beneficial for both workers and employers alike by providing financial assistance and protection from potential lawsuits. It’s essential for businesses to have this kind of coverage in place in order to protect themselves from legal action and ensure their employees are taken care of after a workplace accident or illness.

Reach out to us

For more information or to explore a policy that suits your needs, give us at Laine Insurance a call today. We are proud to serve the state of Colorado. It would be our pleasure to help you.

Why having home insurance in Colorado is so important?

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The state of Colorado has been one of the quickest-growing in the country as many people come here to enjoy the expanding job markets, nice weather, and range of outdoor activities. Those that are looking to live here should consider purchasing a home. If you are in the market for a property in this state, getting insurance for it needs to be a top priority.

Having a home insurance plan is an important investment for many reasons:

Ensures Assets are Covered

A reason all people need to have a home insurance plan in this state is to ensure their assets are covered. If you intend to purchase a home, you will be making a very significant investment and the best way to ensure it is supported is with insurance. If you have coverage, you will have support to offset costs associated with fire damage, bad weather, theft, and other perils. 

Comply with Obligations

You should also have a home plan to ensure you’re able to comply with your obligations. Anyone that buys a home will have some home insurance needs. If you are in a home association or have financed the purchase with a loan, you will be obligated to carry insurance. Having this coverage will keep you in good standing with your various agreements. 

Give Us A Call

When you are going to buy a home in Colorado, you need to make sure you are properly insured. One of the best ways this can be done is by calling our team with Laine Insurance. There are always going to be big decisions to make when looking for this coverage and our professionals at Laine Insurance will help you create your next plan. This will provide assurances that you remain fully insured and protected at all times. 

Do I Need a License to Get Auto Insurance?

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Many people in Colorado think they have to have a valid driver’s license to get auto insurance. This isn’t necessarily true. Some insurance agencies do provide coverage options for those without a license.

Keep reading to learn about getting insurance without a license or contact Laine Insurance today. 

Listing Yourself as an Excluded Driver

The key to getting auto insurance without a license is to buy a policy with yourself listed as an excluded driver. Since you will not be insured if you drive the automobile and get into an accident, the insurance company’s risk is reduced. You should know, though, since you’re listed as an excluded driver, law enforcement will treat you as if you have no insurance in the event you are pulled over while driving; this can lead to hefty fines. 

Add a Licensed Co-Owner

If you can’t find an agency that will sell insurance to you without a license, you may want to consider adding a licensed driver as a co-owner on the car’s registration. You can then put the insurance policy in the co-owner’s name. A spouse, family member, or friend who often uses the automobile might be a good choice.

Get Parked Car Insurance

All vehicles must be insured, even if they’re parked for the entirety of the year. Fortunately, though, you can get parked car insurance at a reduced price to protect the car from damage and theft. Some insurance companies require you to show proof of license to get this type of insurance, while many don’t.

Don’t Be Without Auto Insurance

Here at Laine Insurance in Colorado, we specialize in helping people just like you find auto insurance. Contact us today to learn about your coverage options.