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Auto or car insurance coverage has two parts. The first is the liability section of the policy. It covers your financial responsibility for injuring others. Some liability coverage is required by most states.
The second part of auto insurance covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often this coverage is mandated by leasing companies or banks. There are also ancillary medical, car rental and other coverages which vary by state.
Utilizing high deductibles on the physical damage coverages can help reduce premiums. If you carry umbrella insurance, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident.
Whether you’re an enthusiast or a first-timer, having fun, being responsible and being safe is what it’s all about. Being responsible includes finding the right insurance for your motorcycle.
Motorcycle insurance is a way of sharing the risks of riding between you and your insurance company. The way it works is simple. You pay a set premium to an insurance company for coverage. In return, the company promises to pay for specific financial losses that might occur during the term of the policy.
Most people rely on motorcycle insurance to protect themselves against loss in case of an accident. In many states, you must carry basic insurance to cover the cost of losses you cause to others in an accident. If the unexpected happens, insurance gives you peace of mind in knowing you are protected. At Carrera Insurance Services, we have a variety of motorcycle policy options to meet your needs.
Boat & Marine Insurance
Boat or Marine insurance is available for small boats, yachts, high performance powerboats, live-aboard houseboats, catamarans, or pontoons. Marine insurance will cover intended use including personal recreation, commercial, or charter vessels.
Boat policies can cover damage to your boat, motor, trailer, and personal effects in the boat. Available coverage includes liability, medical payments, and injury to a water skier and damage to the boat itself, sometimes called hull coverage. Availability varies by state and by insurance company. Even though boat insurance premiums are low, shopping your rate can sometimes save a substantial amount.
Your ATV represents a considerable recreation investment. And as you are riding, the last thing you will want to wonder about is whether you have the right insurance coverage. With a customized All-Terrain Vehicle insurance policy from Carrera Insurance, you can ride with confidence knowing that you are properly insured.
No matter what type of vehicle you have, whether you ride a 4-wheeler, dune buggy, or even a golf cart, you can get the ATV Insurance you want and the protection you deserve with specialized coverage options, including:
Collision Coverage – for damage to your ATV from rocks, trees, and other obstacles or debris
Comprehensive Coverage – as extra security for loss or damage from theft, fire, or vandalism
Property Damage – to cover expenses to another person’s property for which you are liable
Bodily Injury – that pays medical expenses to others if you are held liable in an accident
Uninsured Motorist – to protect you from loss or damage caused by uninsured and underinsured riders
Carrera Insurance is dedicated to offering you the best possible coverage at a price you can afford. We offer additional ATV coverage for damage to custom equipment that you have added to your ATV, along with a medical payments option for yourself and your passengers. You may also be eligible for money-saving discounts when you insure multiple vehicles or if you have successfully completed a rider safety course.
Discounts and coverage options can vary according to your location and specifications. Contact one of our licensed insurance professionals to learn more about ATV insurance and how to build a recreational plan that best fits your needs.