How Does Motorcycle Insurance Work

When you buy a new car, truck, SUV, or motorcycle in Mishawaka, IN, it is crucial that you protect your new asset with the right insurance coverage. The majority of people own a car or truck, but not near as many own a motorcycle, which may explain why there is often some confusion surrounding motorcycle insurance. However, just the same as a regular vehicle needs insurance, your motorcycle needs coverage, as well. Here at Kevin Dennis Insurance Agency, we take pride in being a company that sells quality motorcycle insurance, and we’d like to explain how this type of coverage works.

Is Motorcycle Insurance Similar to Car Insurance?

Insurance on a motorcycle is quite similar to putting insurance on a car, truck, or SUV. However, it’s pertinent to understand that an auto policy will not cover a motorcycle. You will need an actual motorcycle policy.

Insurance companies understand that you are much more likely to have one or more passengers in a regular vehicle versus riding on a motorcycle, and this is why motorcycle insurance requires different types of coverage. Plus, motorcycles aren’t usually driven as much as regular vehicles, which is another factor that will be taken into account when the insurance company determines your premium. You should note, however, that injury from a motorcycle accident is likely to be much more severe than an injury through a car accident, which is why injury protection coverage on a motorcycle is sometimes higher than what you’ll pay for the same coverage on a car, truck, or SUV.

Want to learn more about motorcycle insurance and how to get a policy that meets all of your needs? Contact the Kevin Dennis Insurance Agency serving the Mishawaka, IN area today to speak with one of our qualified agents.

 

How to Utilize Commercial Insurance for Personal Businesses

Running a personal business in Mishawaka, IN – or anywhere for that matter – requires a lot of personal commitment and investment in high-quality commercial insurance. If you aren’t sure how to utilize these policies, please contact us at Kevin Dennis Insurance Agency to learn more.

Choose Options That Cover You Fully

The hardest thing about getting commercial insurance for your personal business is the fact that many policies are designed for larger companies. For example, if you work alone, you’re not going to need to pay workers’ compensation insurance or disability to yourself.

And if your flow of income is somewhat lower than other large companies, you typically won’t be able to afford the kind of high price that is common with some types of policies. Thankfully, you can perform a few simple tweaks to ensure that you don’t pay too much.

Adjust Your Payments, As Needed

One way to best utilize your insurance is to adjust your payments to meet your income and your other payment demands. This step is easier than you might think if you’re smart about how you balance your budget. For example, you can tweak your premiums lower to avoid excessive payments.

Watch out, though, as lowering your premiums will increase what you have to pay before your insurance kicks in for you. A good idea, here, is to use lower premiums until you start making more cash and then dropping them some to decrease your insurance copays.

Talk to Us to Get Help

So if you think you need help with your commercial insurance in Mishawaka, IN and you don’t know where to turn, please contact us at Kevin Dennis Insurance Agency to learn more. We can help utilize your commercial insurance to the best of your needs and help you avoid excessive payments.

Air Duct Cleaning

In recent years, air duct cleaning companies have sprung up everywhere, convincing people that their home’s air ducts are disgusting, and the key to good health is to have the ducts cleaned and sanitized. But is commercial air duct cleaning in Mishawaka, IN worth the money or is it a scam that many homeowners fall for? Read these thoughts from Kevin Dennis Insurance Agency to determine whether or not you should have your home’s air ducts cleaned.

Surprisingly, studies have never proven that the air quality in a home is improved by air duct cleaning. Neither have studies indicated that the home’s air quality is poor because the ducts are dirty. In general, experts say that most of the dirt in the air ducts sticks to the surfaces of the HVAC unit and ductwork and does not actually enter the home. In fact, experts say that pollutants from outdoor and indoor activities have a greater impact on the home’s air quality than dirty ductwork. For instance, things like having pets, smoking, cooking, and cleaning have a greater impact on the home’s air quality than having dirty air ducts. Additionally, no studies have proven that the typical amount of dust floating in the air in the average home is a health risk. 

There are some cases in which home air duct cleaning may be worthwhile. If you have had flooding or dampness leading to mold growth in your ducts, cleaning is definitely worthwhile. However, you should keep in mind that cleaning the mold won’t be enough. Unless you fix the problem that leads to mold, the problem will recur. If you have recently remodeled your home, you may want to clean the ducts. Drywall dust can get everywhere and your home’s ducts may be pumping dust throughout the house every time the furnace comes on. If your home has a vermin or insect infestation, you probably should have your ducts cleaned as a part of the extermination process. Additionally, if you recently bought the home and you have pet allergies and the prior owner had indoor pets, a duct cleaning can help you stay more comfortable in your house. 

While in general, home experts don’t recommend air duct cleaning as a regular part of home maintenance, this task is not necessarily something that is bad for the HVAC unit either. Most of the time, air duct cleaning is something that the homeowner can decide on for himself. 

If you live in the Mishawaka, IN area and have questions about your homeowner’s insurance, contact the Kevin Dennis Insurance Agency.

Does My Motorcycle Insurance Cover Other Riders in Indiana?

As a motorcycle enthusiast, you may want to give others a ride on your bike. However, before you hand over your keys to let a friend explore the highways and byways of Indiana, make sure your insurance covers passengers and other riders. Experts at Kevin Dennis Insurance Agency can help you review your policy and make recommendations to protect you and your motorcycle in Mishawaka, IN.

Does My Motorcycle Insurance Cover My Passengers?

Your coverage depends on the type of motorcycle insurance policy you choose. Motorcycle liability is the most common type of insurance, but it doesn’t usually cover passengers. To protect yourself and your passenger, you can buy comprehensive and collision insurance, which provides wider protection in case you cause an accident.

Can I Add Riders to my Policy?

Most motorcycle insurance includes an option to add riders to your policy. Ask your insurance agent for the details on the types of policies available to get the best one for your needs. You may be asked for a list of names you wish to cover under your insurance. The insurer may check that person’s driving record to determine the cost to add them to your motorcycle policy. Some policies provide limited coverage for riders who are not named.

For Indiana riders, motorcycle liability insurance protects you if you are sued. There’s a stigma against motorcycles, which many drivers feel are dangerous. Schedule an appointment with Kevin Dennis Insurance Agency to get a free quote on motorcycle insurance in Mishawaka, IN. We’ll help you find insurance that covers you for property damage and liability in the case of an accident caused by you or another driver.

How does commercial insurance help a business?

Owning a business in the Mishawaka, IN area can be a great option for anyone that wants to be their own boss. When you do own a business in this area, there are a lot of risks that you will be taking on. Fortunately, having commercial insurance in place could help you to mitigate against a lot of these risks. There are a variety of ways that a commercial insurance policy can help a business.

Protects Against Liability

One way that a commercial insurance policy can help a business is by providing protection against liability. All businesses and business owners end up taking out a lot of liability potentials whenever their product or service is sold. If someone is hurt or becomes sick as a result of it, you could end up facing a large liability lawsuit. When you have a commercial insurance policy in place, you will receive protection against this risk.

Protects Assets

A business owner will need to invest a lot of money in business assets. This can include investments in inventory, equipment, and even real estate. If these assets were stolen or damaged, it could be very bad for business. When you get a commercial insurance policy, you can get protection on these assets. This could prove to be very valuable in the event your business loses a valuable asset of any kind.

For those that have a business in the Mishawaka, IN, speaking to a professional about your commercial insurance needs is very important. One company that could provide you with great insurance advice is the Kevin Dennis Insurance Agency. The professionals at the Kevin Dennis Insurance Agency know all of the risks that a business takes on and can help you to mitigate these risks with insurance.

What is a partial helmet law?

Motorcycles are everywhere. More and more residents who live in the Mishawaka, IN area are jumping on the bandwagon to enjoy some wind therapy. The agents at Kevin Dennis Insurance Agency encourage all of the clients who own or ride motorcycles always to wear a DOT-approved helmet. Helmets are designed to prevent head injuries and are proven to save lives.

What Is a Partial Helmet Law?

Indiana has a partial helmet law in place. This means that even though everyone is encouraged to wear a helmet while they are riding, only select groups are required to. In the state of Indiana, riders who are under the age of 17 are required to wear a DOT-approved motorcycle helmet at all times while riding. This includes dirt bikes and other low-power bikes like mopeds. 

Why Helmets Are So Important

Since the early ’70s, studies have been used to prove that wearing a motorcycle helmet reduces the risk of injury and death if an accident occurs. While there are still some states like Illinois and Iowa, that have no helmet law in place, other states have chosen to enact some form of law governing their use. Indiana is one of 28 states that have what is known as a partial helmet law.

The agents at Kevin Dennis Insurance Agency can provide motorcycle owners who live in or near Mishawaka, IN all of the information they need to know concerning helmet laws in the state of Indiana. They can provide statistics on how helmets save lives as well as the benefits of consistently wearing your helmet when you are out riding. Call and schedule your appointment at your earliest convenience and get your motorcycle policy reviewed by one of our professionals.

 

How does commercial insurance work?

First of all, you should know there are numerous types of commercial insurance. Some include the following: Commercial property insurance, commercial auto insurance, commercial asset insurance, commercial service insurance, commercial liability or risk insurance, general or business commercial insurance, commercial renter’s insurance, commercial law insurance, commercial crime insurance, commercial E & O insurance, commercial malpractice insurance, commercial workers’ comp, insurance, and more. We hope this has at least given you a broader perspective into the many sections, and even subsections, that commercial insurance can branch off into and it can get a little complicated the further you get into a matter. Let’s start by taking a look at a few of these mentioned.

For example, let’s take "commercial debris removal insurance," something many people today purchase. It falls under commercial services insurance and helps the insured to cover any costs that may associate themselves with removing all debris needed in a particular area. Let’s say a major wind storm, flood, hail storm, or fire just occurred leaving your building damaged or gone. Now, before starting to rebuild, it’s needed that you properly get all debris removed, in order to comply with legal building ordinances. And to further add, the regular commercial property insurance you currently hold is probably effective in terms of covering your major rebuilding costs, but definitely not when it comes to debris removal.

Another example is commercial E & O insurance. Let’s say you or a team member of your organization inadvertently harms a third party. And on a larger scale, this type of coverage excels commercially. Think "corporate."

There is a great commercial insurance provider in Mishawaka, IN. They go by the name of Kevin Dennis Insurance Agency. Check us out today. It just might help with your current insurance needs.

3 Questions To Ask Before Buying Motorcycle Insurance

Are you planning on owning a motorcycle soon?

If so, you’re probably shopping around for motorcycle insurance in Mishawaka, IN, and wondering what your coverage might entail. Before you purchase a policy, here are three questions you should know the answers to. These answers aren’t specific to any Kevin Dennis Insurance Agency policy, in particular, so you can apply them to whichever type of coverage works best for you.

1. What Is the Minimum Liability Coverage I Need?

In the state of Indiana, the following minimum liability is required in order to register your bike with the Department of Motor Vehicles. The absolute minimum coverage you can legally ride with is:

  • 10 thousand dollars to cover property damage
  • 25 thousand dollars to cover bodily injury for one person per accident
  • 50 thousand dollars for bodily harm per accident for multiple people.

The state of Indiana also requires you to carry liability coverage for uninsured and underinsured persons, in case you are injured in an accident by someone who has insufficient coverage.

2. Does My Insurance Coverage Change Based On Whether I Wear A Helmet While Riding My Motorcycle?

In Mishawaka, IN, you can legally ride your motorcycle with or without a helmet as long as you are 18 years or older. That is the state law regarding helmets.

However, this does not necessarily apply to private insurance policy requirements. For instance, your insurer might require you to wear a helmet in order for your coverage to be in effect. You should ask your insurance agent whether no helmet at the time of an accident means that your coverage is void.

3. Do I Need Motorcycle Insurance To Ride My Motorcycle in the state of Indiana?

In order to register and ride your bike in Indiana, you have to show proof of motorcycle insurance at the state’s Department Of Motor vehicles. If you don’t have adequate coverage and therefore cannot register your bike, you are not legally allowed to ride it.

Are you ready to insure your motorcycle? Contact a friendly agent at the Kevin Dennis Insurance Agency to explore your options. We’re standing by to help you today.

Insuring Your Commercial Fleet

Indiana state law requires that company vehicles from small cars to 18 wheelers carry, at the very least, a minimum amount of liability insurance. Company vehicles which carry passengers or haul a significant amount of weight may require a much higher limit of liability then personal vehicles. Most Commercial Fleet Insurance policies cover “named drivers” only. Kevin Dennis Insurance Agency in Mishawaka, IN serves businesses throughout Indiana and has extensive experience insuring commercial vehicles. We will develop a personalized commercial fleet insurance plan to ensure the protection of your company’s assets in case of a significant motor vehicle accident involving one of your company’s vehicles.

Indiana Commercial Vehicle Minimum Liability Coverage

Indiana state law requires a minimum liability coverage amount of 25/50/25 for all drivers. This translates to coverage of $50,000 for bodily injury for all persons injured or killed in an accident if multiple persons are injured, $25,000 coverage for bodily injury if one person is injured and $25,000 coverage for property damage.

Optional commercial Vehicle Coverage

Some optional coverages include comprehensive coverage, medical payments coverage, and collision coverage:

  • Comprehensive coverage covers damage to your vehicle other than from a car accident. This pays for repairs or replacement of the vehicle and includes theft, damage from vandalism and fire damage
  • Medical Payments coverage covers accident-related medical or funeral costs of any covered driver or passenger without taking fault into consideration
  • Collision coverage covers costs to repair your vehicle when involved in a collision

Call or Contact us Online Today for a Free Commercial Fleet Insurance Quote

Call today at 574-254-7070 or contact us at https://www.bettercoverages.com for a free commercial fleet insurance quote. Kevin Dennis Insurance Agency, serving clients throughout Indiana, stands ready to work with you to provide affordable and comprehensive commercial vehicle coverage. 

Choosing a Motorcycle Coverage That Offers Protection When You Need Medical Attention

Just like vehicles and motorcycle auto coverage in Mishawaka, IN comes in different packages that range from the very basic to full protection known as a comprehensive policy. For anyone who has driven for a long time knows, the question of a crash isn’t an "if," situation, it’s a "when." However, until the accident occurs, many riders only see the cost in a policy and typically lean towards less expensive choices that usually only provide liability protection. Or maybe they choose a step up with a policy that has a bit more property protection. Either way, none of these base coverage packages do more than provide the minimum in medical coverage for the driver or those involved, and that can be a real problem.

Unlike someone who is driving a car, a motorcycle rider is entirely exposed. So even if the accident is not the fault of the rider, he or she can easily be put into intensive care by the simple nature of the impact physics involved and a lack of body protection. And that can turn into some costly medical bills after the fact, both for immediate treatment as well as rehabilitative care after the fact. This is why every motorcycle rider who has the option should always look at the medical portion of coverage first before settling on anything else in a motorcycle policy.

Kevin Dennis Insurance Agency has worked with motorcycle riders for years, helping them find the right protection that focuses on getting them back on the road and healthy in Mishawaka, IN. You use a helmet to protect your brain when riding; use a good policy to protect everything else. Kevin Dennis Insurance Agency can help today. Give us a call.