Hit & Run Coverage: What You Need To Know

Posted on by agentinsure

There is a lot you need to know about hit and run coverage. Colorado requires you to maintain a minimum level of auto insurance. However, there is additional coverage that you will want to consider so that you can reduce what you would have to pay out-of-pocket if you are involved in any kind of hit and run.

Collision coverage may be required of you, regardless. If you have a lien holder for an auto loan or a lease, they may require collision coverage of a certain level. Regardless of fault, this will help you to get the car repairs necessary so that you can get your car back on the road.

Medical payments coverage protection is going to provide medical bill coverage regardless of fault. This will include protection for you and your passengers for medical bills, lost wages, as well as child care services if you are currently unable to care for your children because of injuries.

Uninsured motorist coverage will provide property damage and bodily injury coverage. Since the other party didn’t stop to provide you with insurance, it’s as if they don’t have insurance – and therefore you will want this coverage to minimize how much you would otherwise pay out-of-pocket.

Finally, you will want to look at medical payments coverage as well. This can help to pay for all of the medical bills that you and your passengers may encounter after being involved in a hit-and-run. Even if everyone has health insurance, the medical bills can be very high and depending upon the extent of injuries, it could be enough to bankrupt you.

It’s important to have auto insurance that you can rely on. Contact one of our agents at Front Range Insurance Services today where we can work with you on a customized policy to help you enjoy peace of mind.

 

Get Your Furnace and Fireplace Ready for Winter

Posted on by agentinsure

With fall here, winter will soon come. Few places see a longer or harsher winter than Colorado, which makes getting your home ready for winter especially important if you live here. We at Front Range Insurance Services have compiled a short list of things you can do to get your house ready for the coming cold.

Servicing Your Home

Before winter comes, and you start turning on the heat regularly, every part of your home’s heating system should be serviced. Specifically, you ought to have a professional:

  • inspect your home’s furnace to ensure it’s suited for another season of use
  • clean out your home’s air ducts, so your furnace can work efficiently
  • clean your home’s chimney if it has one, to reduce the risk of chimney fires

Many homeowners overlook these things. Taking care of them now will help ensure you’re home will be safe and warm all winter long, though.

Insuring Your Home

In addition to servicing your home’s heating system, it’s also a good idea to review your homeowners insurance policy in the fall. If you’ve installed a new wood stove or had a wood-burning fireplace changed to a gas one, you might need to adjust your insurance coverage.

For help seeing whether any new furnace, wood stove or fireplace is covered under your homeowners insurance policy, contact us at Front Range Insurance Services. Even if we didn’t initially help you purchase the policy, our independent insurance agents can review its coverages for you. If it no longer provides the protection you need, they can also help you shop around for a new policy. To reach agents at our office, contact us through our website.