Choosing the right insurance policy is much like choosing the right motorcycle. You want it to fit your needs and lifestyle, but at the same time be within your budget. Although most states require you to carry a minimum amount of liability coverage, other types of coverage are usually optional. Always ask your insurance agent or company representative which laws apply in your state.
Liability insurance covers bodily injury and property damage that you may cause to other people involved in an accident. It doesn't cover you or your motorcycle. Find out if your coverage includes Guest Passenger Liability, which provides protection in the event that a passenger is injured on the motorcycle. Whether or not this is included depends on the laws of your state and the company issuing the policy.
Collision insurance covers damage to your motorcycle if you are involved in an accident. Your insurance company pays for damages, minus your deductible, caused when you collide with another vehicle or object. Collision insurance usually covers the book value of the motorcycle before the loss occurred.
Comprehensive coverage pays for damages caused by an event other than a collision, such as fire, theft or vandalism. However, just like collision coverage, your insurance company will pay for damages, minus your deductible, and will cover only the book value of the motorcycle.
Keep in mind most comprehensive and collision coverages will only cover the factory standard parts on your motorcycle. If you decide to add on any optional accessories such as chrome parts, a custom paint job, trailers or sidecars, you should look into obtaining additional or optional equipment coverage.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured Motorist Coverage covers damages to you and your property caused by another driver who either doesn't have insurance (uninsured) or doesn't have adequate insurance (underinsured) to cover your damages.
This coverage typically pays for medical treatment, lost wages and other damages. If your uninsured/underinsured motorist coverage includes property damage, then your motorcycle would also be covered under the same circumstances. Check with your insurance professional to see if property damage is included or needs to be purchased separately.
Stress has always been a part of our lives. In this hectic time, people lead an increasingly stressful life. Experts state that a little stress can be good; it keeps you sharp and ready to move forward and is sometimes vital for achieving optimum performance. However, medical research has determined that prolonged stress is very bad for the body, and can block the body’s natural ability to repair, regenerate and protect itself. Over 90% of disease is caused by stress. Stress is both a physical and psychological response. It can lead to chronic disease, obesity, insomnia, deteriorating relationships, depression, and more.
Below are 5 great tips for handling stress.
1. Identify what makes you stressful and uneasy. Making a list of your stressful experiences is useful. Immediately deal with the issues that you can change, for instance waking up earlier for work in the morning, not leaving things till the last minute, and delegating tasks in case you are taking responsibility for everything. Forget about the issues that you cannot influence like being stuck in a traffic jam or not getting into the elevator because there is no room for you.
2. Calm down. A few minutes’ break would do you good. Wash your face, breath slowly and deeply, and notice if there is tension in any part of your body and release it. You can also listen to relaxing music, or call a friend. Releasing your inner feelings to a friend is a healthy option.
3. It will pass, and it will be over before you know it. Remind yourself that the stressful event will end sooner or later can make you see the positive sides of things. At the same time, calm down your emotions and think of what is the best thing to do rather than take your energy away from what needs to be done.
4. Know yourself. Ask yourself: What triggers your anxiety? If for example, it is your job, then maybe its time for you to reconsider whether it would be best to find a less stressful job. You can also make your job more tolerable by allowing yourself to get that needed vacation or leave.
5. Learn to use your relaxation response. Just as we all have within us the stress response, we also have an opposite response, which is the relaxation response. A person should elicit that on a regular basis. The relaxation response involves two steps. Repetition, the repetition can be a word, a sound, an expression, or a repetitive movement. The second step is to ignore other thoughts that come to your mind while you’re doing the repetition and come back to the repetition. The technique should be used once or twice a day for about 15 minutes. Sit quietly and choose a suitable repetition, like a prayer, the sound Om, or the word love, or calm.
The true causes of stress are not the problems or negative experiences that you encounter in your life, but your attitude toward them. So, the trick is to change your attitude and to develop a relaxed state, because you cannot be stressed and relaxed at the same time. It is important to understand that what we focus on, we energize. The more you continue to think about the factors that cause your stress, the more energy you give it. So it is vital to let go and focus on relaxation instead.
With all that said, all of us at Every Day Insurance will work hard to take all the stress out of your insurance needs as much as possible!
Buying home insurance should be an important part of your financial planning. It is important to consider many different things in order to obtain the best possible combination of coverage, price, and service.
Insurance companies use many different factors when reviewing your risk. It is important to understand some of these as you make your personal insurance decisions.
Some Items to Consider When Buying Homeowners Insurance
Your location is important in determining your premium. For example, the closer you are to a fire station and fire hydrant the better.
Not all insurers are the same. Some insurance companies prefer newer homes, while others may require your home to have a newer roof.
Low price does not equal better coverage. The lower priced product may exclude needed coverage.
Your home’s value may be the single most important factor. If your home should need to be replaced, it will be important to have an accurate replacement value.
Every policy has exclusions and it is important to know these. For example, most policies exclude earthquake and flood coverage.
Having a home inventory can help you if you ever need to document any loss.
Ask about any discounts the insurer may offer. Most insurers have a number of discounts and the more you are able to obtain the better.
Had it with the “rat race”? Got time off but not much cash to spend? Are you losing touch with your family? It sounds like an old-fashioned campout is just what you need.
Camping is a great way to enjoy the outdoors and spend time getting reacquainted with your family. Great family camping getaways are easy to plan and inexpensive vacation options. Nature is everywhere, so you don’t need to travel far for your camping trip. You can journey to a national park, drive to a local campground, or pitch a tent in your backyard.
Camping 101 begins with the planning. This part of the trip is half the fun. Call a family meeting to decide where you’d like to go. Depending on your budget, you can plan to load up the trunk with tents and sleeping bags, pull a camper, or drive an RV. The point is to treat your family to an unforgettable outdoor adventure, so it doesn’t matter how you plan to camp or where you intend to go.
If you are new to the camping experience, it’s probably a good idea to start out slow. Book a weekend campsite to get a feel for the camping lifestyle. Get used to cooking over a wood fire and sharing your space with wildlife, before you venture too far away from the comforts of home. Many campgrounds provide fun activities like pools, playgrounds, fishing or recreational boating, so check your local listings to see what adventures lie ahead.
Once your kids (and you) recover from the shock of having no television or Internet access, you’ll all have an eye-opening experience. You’ll realize nature is fun. Camping opens the doors to a world of new activities, like swimming, rock diving, boating, fishing, hiking, catching butterflies, searching for fossils, and going wherever your energy level and imagination can take you. Campgrounds and remote parks are all filled with wonderful ways to enjoy the best nature has to offer. If you want to boat or water ski, many campsites offer these and other items for rent.
Don’t expect to bring along your everyday dinnerware and automatic coffeepot for your campout. Remember, you will be roughing it, so pack accordingly. Bring plastic dishes and cutlery that can be washed and reused, but won’t break in transit. Make sure you have enough sleeping bags, pillows, and extra clothes. Pack the food you’ll need, plus a little extra, and keep a supply of ice on hand for perishables like meat and dairy. If you’re bringing tins of beans, remember a manual can opener or pack your Swiss army knife. If you’re not sure what to bring, ask an associate at your local sporting store to help you choose your camping needs. Call on friends who like to camp, and ask them for advice
Just like your old scoutmaster used to say, “Always be prepared”. Make a list and check it three times before you leave on your camping trip. Make sure that there is enough food and freshwater for everyone. Bring food that can be easily prepared on your campsite. Pack clothing for all kinds of weather. Don’t forget, sunscreen, bug spray, and hygiene items. Toilet paper and paper towels are absolute necessities. Bring along some soap and toothpaste, but leave the hair gel and makeup at home. Mother Nature doesn’t care what you look like. She just wants you to enjoy your stay.
Don't forget to call us to add towing to your car if it is out of warrenty at 619-297-4111. If you tow a trailer or carry a camper be sure you have full coverage on it before you head out.
All of us at Every Day Insurance hope you have a lot of fun should you take a trip!