Does Your Collision Insurance Cover Uninsured Drivers?

Making sure that your auto insurance provides the protection that you need can feel like an overwhelming and confusing task that you’d rather not think about. Putting off the review of your policies won’t help you in the long run, especially if you are involved in an accident in the meantime. The team at Diverse Insurance Solutions is here to answer all of your questions and make sure that your policy provides coverage for incidents for events that are often overlooked, such as a collision with an uninsured driver. If you are in the greater Manassas, VA area and want to make sure that you have the coverage that you need, we can help! Don’t leave yourself unprotected, especially when there are too many irresponsible drivers on the road without auto insurance.

Uninsured Drivers Can Cause Damage to Your Vehicle and Your Bank Account

If you are involved in an accident with an uninsured driver and your policy does not cover this actuality, the results can be devastating. When there is not another insurance company to cover the cost of damages and liability, those obligations may fall to you. Yes, you could pursue a civil suit or other legal action, but the likelihood of an individual without insurance having the means to pay damages through civil court is quite small. Protect yourself and your family by reviewing your current policy and make sure that you have coverage for what could be a catastrophic experience.

Is it time for a review of your insurance policies to make sure that you have all of the coverage that you need? Contact Diverse Insurance Solutions, serving the greater Manassas, VA area, today to schedule a policy review of your auto insurance policy. We are here to help!

Does Motorcycle Insurance Cover the Cost of Repair or Just Replacement?

Riding a motorcycle can be fun and terrifying at the same time. With the right insurance policy however you can be safe and you can ride knowing you are safe. Motorcycle insurance, much like car insurance, covers your safety while you are on the road. It also covers the cost to maintain your motorcycle after it wrecked. For those in the Manassas, VA area, the agents with Diverse Insurance Solutions can help.

Motorcycle insurance covers a wide range of things including the cost of repair if your motorcycle is not destroyed completely. In the event that your motorcycle is in a collision and is simply damaged rather than destroyed, it will help to cover the cost of repair rather than a replacement. Your policy will also help cover the cost of total replacement in the event that is destroyed in a collision so that you can help keep our bike running or so that you can get a new one in the event that it is totaled.

For those that want a great policy, you should take the time to really look at the different policies that are out there and to take the time to make sure your policy is going to cover the cost of repair and replacement rather than one or the other. For those that live in the Manassas VA area, the agents with Diverse Insurance Solutions can help you to find the policy that is going to cover both repair and replacement if you are in an accident while riding your motorcycle. With the right coverage, you can get up and running and can truly feel safe when you are on the road.

The right policy makes a huge difference and can make you feel much safer when you are out on the road.  

Why Do You Need an Umbrella Policy?

Personal and commercial umbrella policies are important for mitigating the risk of financial liability if you or your business are found at fault in a lawsuit. Personal policies do not cover business risks and vice versa, making it critical get the right personal coverage. The reasons for getting a personal policy to justify the premiums.

Auto and home policies often have umbrella coverage included, but only up to a certain threshold. This leaves you, your family and your assets exposed in instances where serious injuries occur, and you are found at fault. Everything from medical expenses to pain and suffering can inflate the damages you’re required to pay. Having supplemental umbrella coverage is key for mitigating this risk.

Determining the right amount of coverage is easy, when you visit Diverse Insurance Solutions in Manassas VA. Associates can examine your current auto and home policies, to help you determine your current protection and the need for additional insurance. Understanding your coverage options and selecting the right policy for you is a process that requires agents with integrity.

When you combine personal umbrella coverage with other asset protection techniques, you can protect your wealth for your family and future generations. Given the litigious nature of society, it’s impossible to foresee all potential threats to your estate. Working with a qualified insurance agent to optimize your coverage can give you peace-of-mind that’s hard to quantify.

For additional information on umbrella insurance in Manassas, VA, please contact Diverse Insurance Solutions. This type of policy is essential for protecting your assets if you are found liable for damages under covered circumstances. Do not leave your nest egg at risk.

When You Should Consider Flood Insurance

Contrary to popular belief, flood insurance is not usually included in a home insurance policy. If you think that you have it because you thought it was included, you need to make sure of this fact. There are some areas of Manassas, VA that are more prone to flooding than others and in these areas, it is a no-brainer that you should have this type of insurance. However, if you do not live in a flood area, then you may be wondering if it is something you need and when you should consider getting it. These tips from Diverse Insurance Solutions can help you make the right determination.

Flood insurance is not something to be taken lightly. A lot of people think that you only need this type of insurance if you are in a flood area but floods can happen anywhere. They can even happen right in your home if you have a pipe burst without warning. You want to get flood insurance no matter where you live. It is something that is not expensive also something that a lot of people can benefit from. You do not want to get caught with a flood in your home and no flood insurance to cover the damage to your home and valuables.

As you can see, flood insurance is something that everyone can benefit from. Floods do not just happen when there is a lot of rain. A flood can happen inside a home at any time. If you are not sure if you have flood insurance or you want to get a quote for a policy, be sure to reach out to us here at Diverse Insurance Solutions, serving Manassas, VA, today. We will even make sure we find a policy that fits in your budget.

7 Basic Health Care Insurance Benefits

Health insurance today can be complicated, but if you live in the Manassas, VA area, you know you need health insurance.  No one plans to get hurt or be sick, but it happens, and you’ll need medical care.  There are several benefits to having health insurance, and these 7 benefits are only the basics.

  1. Coverage for outpatient health care to see your medical provider for preventative care, such as annual health screenings and checkups is to your overall health benefit.
  2. An unexpected trip to the emergency room can add up fast.  Most healthcare packages can cover the majority of that emergency visit.
  3. Receiving prenatal care during pregnancy and then pediatric care for the baby after birth is essential.  Early medical monitoring and checkups are important to the health and development of children.
  4. If you need to be admitted to a hospital for medical care or surgery, insurance benefits are vital.  The costs of an admission and stay will run into the thousands without coverage.
  5. If you or a loved one suffers from a chronic illness or needs acute care from a serious accident a health care plan will be essential for prescriptions, medical devices, recovery therapy, lab tests, and other medically necessary services.
  6. Mental health care for outpatient therapy and medication can be covered, as well as a necessary inpatient stay for an acute or severe mental disorder.
  7. Substance abuse disorder care, which can include individual or group therapy, medication replacement treatment, inpatient detox, and residential services can be a benefit of your health insurance policy.

Diverse Insurance Solutions

Diverse Insurance Solutions provide health insurance to those in the Manassas, VA area.  Contact a Diverse agent today and let us do the shopping for the best deal on the health insurance coverage you need.

How old should I be before I worry about getting life insurance?

Many people think they can safely wait until they are older and more financially stable before they purchase life insurance. Unfortunately, if you wait, the time will be less than optimal, for multiple reasons.

If you are in or around Manassas, VA and want to become more informed about life insurance, Diverse Insurance Solutions has options for every age and situation. You will be able to purchase a policy that fits your budget, and you can always add to your policy at a later date.

The best time to purchase a life insurance policy is immediately after birth. Life insurance is “age-banded,” which means that the amount of the premium goes up every year. If a parent buys a whole life insurance policy for a new baby, he or she can pay a lump sum for all the payments up until the child turns 18. That way, the policy will be there waiting when the child becomes an adult, at the lowest possible price. It can even be cashed in for one-time purchases like a down payment for a house. Not only that, the money is tax-deferred until that time.

The longer you wait to get a life insurance policy, the more expensive your policy will be. You may also run into other problems which make your policy more expensive. If you end up developing a serious health condition, the premium on a new policy will be more expensive. If you have a locked in price, you won’t have to deal with that.

If you are in Manassas, VA and don’t already have a life insurance policy, you may be waiting until you think you can afford it. Call Diverse Insurance Solutions today to find a policy that works for you right now.

When to Upgrade Your Commercial Insurance

Business owners don’t have to be told that their business isn’t static. From seasonal highs to yearly lows, profits can be affected by any number of things whether they’re predictable or not. But not all business owners realize that their insurance may need to change drastically when things take an upturn. When revenue starts to swing toward the top and expansion is on everyone’s mind, owners in Manassas, VA need to be prepared to turn to their agent for a little help. 

Increased Space, Inventory, and Staff 

These are typically the three major changes that business owners may want to consider upgrading their coverage for. Essentially, they all represent more to lose for the owner. The more space an owner has, the more expensive it will be to fix if it’s damaged. The more inventory you have, the more coverage you’ll need to replace it all. But the real threat may just be the extra staff you hire. Between workers’ compensation and general liability, the odds of having a claim filed against you can increase dramatically. Smart hiring practices can help, but they can’t always safeguard you from every type of claim. 

Talk to Diverse Insurance solutions

The business owners of Manassas, VA can count on Diverse Insurance Solutions to give them real advice about their commercial insurance. Most owners don’t even begin with the right coverage, let alone upgrading it when their business starts to change. There are a number of additional reasons why business owners may want more protection, from new regulations to changing priorities, so let us help you navigate it all. Give us a call to talk to one of our friendly agents or for a quote so you can get a plan that will be there for you if something goes wrong!

Are You Required by Law to Have Motorcycle Insurance?

When it comes to motorcycle insurance in the state of VA, you are either required to have the minimum amount of coverage or pay what is known as the  Uninsured Motor Vehicle (UMV) fee. While this may seem like a good idea, it is important to note that you do not get any type of coverage when you pay this feel. The only thing it will do is prevent you from getting into any legal trouble if you are caught driving without insurance. However, if you are in an accident, you can still get in some financial trouble by having to pay medical fees and other fees. Here at Diverse Insurance Solutions, serving Manassas, VA, we think it is always best to get motorcycle insurance. 

What Are the Minimum Insurance Requirements?

If you opt to get coverage for your motorcycle instead of paying the UMV fee, then you need to make sure that you are at least meeting the minimum state requirements in Virginia. To do that, you need to make sure that you have at least $25,000 in coverage for bodily injury or death of one person. You also need to make sure you have at least $50,000 in coverage for bodily injury or death of two or more people. Lastly, you need to make sure that you have at least $20,000 in coverage for property damage. If you do not have at least these coverages, then you will not be meeting the state minimum requirements by law. 

If you would like to learn more about motorcycle insurance or explore your options, be sure to reach out to us at Diverse Insurance Solutions, serving Manassas, VA, today. We will help you find the right policy that meets the state minimums as well as fits within your budget. 

Why Must Motorcycle Helmets Be DOT Approved?

The state of Virginia requires everyone who operates or rides on a motorcycle to wear a DOT Approved motorcycle helmet. Helmets that meet federal safety standards have been proven to reduce the risk of head injuries and fatalities when worn properly. The agents at Diverse Insurance Solutions understand the importance of wearing the right type of helmet. If you live in or near the Manassas, VA area and have questions about your helmet or the type of helmet you should purchase, the agents can answer all of your questions. 

DOT Certified Helmets Meet Federal Safety Standards

The Department of Transportation has created a set of safety standards that are in place to protect you from bodily injury if you are ever involved in an accident. If you aren’t sure that your helmet is DOT certified, look at the back of the helmet. There will be a sticker that visibly states DOT, FMVSS 218, Certified.

DOT Certified Helmets Reduce Fatalities

It has been proven that the use of helmets certified by the DOT dramatically reduces the risk of head injuries and fatalities when worn properly. It’s estimated that wearing a helmet reduces the risk of a fatal injury by almost 37%. In 2015, it was estimated that almost 1,775 lives were saved due to the usage of DOT approved helmets.

At Diverse Insurance Solutions, the safety of our clients is our primary concern. Residents of Manassas, VA, and the surrounding communities are encouraged to call or visit the office to find out more information concerning the benefits of wearing a DOT approved motorcycle helmet. Don’t risk your safety! Call the office today!

 

What does boat insurance cover?

While many consumers understand the basics of home and auto insurance, purchasing an insurance policy for your boat is a bit different. It is critical for boat owners to take time to learn what insurance options are available and build a policy that will protect both you and your boat from losses. Whether your boat is on the Chesapeake Bay or elsewhere in the Manassas, VA area, it is critical to have a solid insurance plan, and an agent at Diverse Insurance Solutions will be happy to assist.

The primary coverage in a boat insurance policy is collision coverage. Collision coverage will cover the cost to repair or replace your boat in the event of a collision. It is important to discuss with your agent whether you want to insure for the replacement cost, cash value or a predetermined value. It is also essential to talk with your agent whether or not you want to include coverage to clean up the wreckage in the event of a crash.

A boat insurance policy also provides coverage for property damage. This coverage is meant for damage you cause to another person’s boat or any other structures such a the dock.

Boat insurance also has bodily injury coverage. Bodily injury coverage will assist with expenses as a result of an injury you cause to a third party including medical bills, legal fees and even damages awarded for pain and suffering.

Many insurance companies also offer comprehensive coverage that covers the boat if it is damaged in an event other than a collision such as vandalism or theft.

In addition to the basic coverage options under a boating policy, you will be able to purchase add-ons such as coverage for oil spills or your fishing equipment. It is important to discuss your particular situation with your agent to determine which add-on policy options are right for you.

If you are interested in learning more about boat insurance, please reach out to a specialist at Diverse Insurance Solutions. We proudly serve the Manassas, VA area.