Posts Tagged ‘monument’

5 Steps To Properly Handle a Car Accident

Wednesday, August 27th, 2014

An auto accident is scary and stressful for everyone involved. In hectic moments we are not always ready to deal with an accident appropriately. Preparing and understanding how to handle a car accident ahead of time will help you act appropriately when the real thing happens. Here are the steps you should take when an accident occurs.

  1. After the initial accident if possible, move your car to a safer area away from traffic or put your hazard lights on to warn other drivers.
  2. Step out of your fully stopped vehicle and check on the other passengers involved. If anyone is injured then call 911.
  3. Collect the other driver’s information. The information you should have are the names of the driver and passenger, the license plate number, insurance information, the make and model of the car, contact information, and the location of the accident.
  4. Take pictures of the scene and the accident with any kind of camera you have at the time.
  5. Contact your insurance to file a claim.

Warrior Insurance in Monument Colorado can help keep your car as safe as possible with auto insurance. We take the time to assess our clients and understand their needs to find the right insurance coverage. Contact us today for more information.

 

What Is Covered With HOA Insurance After Buying a New Condo

Friday, August 22nd, 2014

Buying a condo means that you automatically become part of the homeowners association. The homeowners association offers HOA insurance that covers certain risks in your condo building. This policy doesn’t cover all the risks so it is worth it to understand what is and isn’t covered, so you can promptly get the individual protection that you need. Here are a few things you should know about HOA insurance.

  • HOA insurance covers everything that happens outside of your building. This includes damage to the lobby or even an elevator. You are responsible for the coverage of everything else in your condo.
  • HOA insurance will cover the injury of guests in common areas like the pool and lobby. If a guest is injured in your unit you may need liability insurance.
  • Renovations on your condo are not covered by HOA insurance.
  • Property damage to your building in common areas is covered by HOA insurance.

Warrior Insurance in Monument Colorado can help keep you covered. We take the time to assess the special needs of each of our clients. Contact us today for any of your insurance needs.

 

Avoid These 4 Driving Mistakes To Prolong The Life of Your Car

Monday, August 18th, 2014

Some bad driving habits can go unnoticed but will cause costly damage to your car. You may be unknowingly wearing down your car with driving mistakes. If that stresses you out there is no need to worry. Stopping these 4 bad driving habits can seriously prolong the life of your vehicle.

  1. You may feel safer driving the brakes while going downhill but this can seriously damage your brakes. Grinding your breaks together while riding downhill can cause heat that will boil your brake fluids.
  2. Idling your car to warm it up can drain gas and wear on your car.
  3. Not filling up your car until it hits empty will cause fuel sediment to build up in your fuel tank which will eventually effect your engine.
  4. Accelerating too slowly not only can hurt your gas tank but can also hurt your cars performance.

Warrior Insurance in Monument Colorado can help keep your car safe with auto insurance. We take the time to assess the special needs of each of our clients. Contact us today for more information.

Make The Right Choice For Individual Health Insurance

Wednesday, August 13th, 2014

Health insurance is important but the buying process can be a bit stressful. When choosing individual health insurance there are many factors to consider. These five tips can help you find the best type of health insurance for your needs.

  • Know how healthy you are. If you visit the hospital often and have a series of prescriptions you may want to invest in a higher premium plan. If you feel as if you are generally a healthy individual you can opt for a more affordable plan.
  • Think about the type of doctors you and your family prefer. HMO comes with a basic plan, PPO provide doctors outside of the network, and a POS is a mixture of the two.
  • See if the price is right for you. The monthly premium and annual deductible are both huge deciding factors of price. It also may help to see if prescriptions are covered with your plan.

Warrior Insurance in Monument Colorado will take the extra time to assess your need and find the right insurance for you. Contact us today for any of your insurance needs.

Your Expanding Company May Need Commercial Auto Insurance

Wednesday, August 6th, 2014

If your business revolves around work vehicles it could only benefit you to invest in commercial auto insurance. As an expanding company you will continue to add to your fleet of cars you will need to make adjustments to your insurance accordingly. Commercial Fleet insurance is the best way to protect the investments of your company. Here are the insurance options that you may need to change as the number of cars in your company grows.

  • You may need to increase your coverage for physical damage. An accident could threaten your income so make sure you’re covered.
  • If your company has employees driving your cars you may want to opt for raising your liability coverage.
  • To protect equipment in your cars you can add inland marine coverage to your policy.
  • Add roadside assistance to your policy to avoid paying for labor and towing when a breakdown happens.

Warrior Insurance in Monument Colorado can help your company stay covered by finding the insurance policy that fits your needs. We take the time to get to know the needs of our clients. Contact us today for any of your insurance needs.

 

 

3 Must-Know Facts of Life Insurance

Friday, August 1st, 2014

Life insurance is one of the most overlooked insurance policies. However, it is also one of the most beneficial. It can provide a financial cushion for your loved ones in the unfortunate event of your passing. Keep these 3 must know facts about life insurance in mind when looking for a policy.

  1. Cash value loans. Some life insurance policies will allow you to take out a loan to finance anything from home renovations to medical bills. These loans are tax free since the IRS does not classify them as gains. If you pass away before you are able to pay back the loan, the beneficiaries will receive the benefits minus whatever is owed on the loan.
  2. Accelerated benefit rider. You are able to use part of the death benefits to pay for basic expenses if you are diagnosed with a terminal illness. Your beneficiaries will receive the death benefits minus the amount that you used for expenses upon your passing.
  3. Death benefits can be probate free. Life insurance policies will not go through probate court unless your estate is named as the beneficiary.

For the most comprehensive life insurance policy in the Monument, Colorado area, contact Warrior Insurance.

What Type of Insurance is Needed for Restaurant Owners?

Friday, July 25th, 2014

After finding the perfect location for your restaurant and making sure every menu item tastes just right, it is important to make sure you have the right insurance policies to protect your investment. Make sure to invest in these top 9 restaurant insurance needs before opening your doors.

  1. Property insurance – this will protect your restaurant from many different unfortunate events. Typically, it will not cover any natural disasters.
  2. General liability – this will protect your restaurant in case somebody gets injured on the property, or if someone gets sick from eating your food.
  3. Liquor liability – if you are planning on selling alcohol at your restaurant, liquor liability will protect your restaurant if somebody gets into an accident after drinking.
  4. Automobile liability – if you have a vehicle that is used for deliveries, automobile liability will cover any accidents that are associated with the vehicle.
  5. Workers compensation – this will provide payments in case an employee is injured and can no longer work.
  6. Unemployment insurance – this will cover payments for employees who no longer work at your restaurant.
  7. Life insurance – this will provide a financial cushion for your loved ones to continue paying the mortgage of the restaurant in the unfortunate case of your passing.
  8. Food contamination insurance – this will replace lost goods in the event of a problem, such as loss of power, which would result in spoiled food.
  9. Specific peril insurance – this will protect from any other issues, such as an earthquake, that is not covered by other policies.

For all of your insurance needs in the Monument, Colorado area, contact Warrior Insurance.

Renters insurance for College Students

Monday, July 21st, 2014

Insurance is usually the furthest thought for most college students. Since they are on a tight budget, they typically only spend money on necessities, such as textbooks. However, investing in renter’s insurance for your apartment can help save you hundreds or thousands of dollars in case of an unfortunate event.

Renter’s insurance is very affordable, with the average cost of a policy only being $10 a month. The inexpensive policy can help cover all of your belongings in case they are stolen or damaged. While you may think that you do not have anything of value to insure, chances are you do. While typical college students may not have nice furniture that they want to protect, most of them have an expensive gaming system or laptop. Renter’s insurance will provide coverage for these items if they are stolen or damaged.

Renter’s insurance will also provide some liability coverage for you apartment. Renter’s insurance will cover any medical expenses or lawsuits that are associated with the injury.

For the most comprehensive renter’s insurance policy in the Monument, Colorado area, contact Warrior Insurance.

Avoid Motorcycle Accidents

Wednesday, July 16th, 2014

One of the best parts about riding a motorcycle is that you are able to enjoy the perfect summer weather whenever you go for a ride. While enjoying your bike, it is important to remember to stay safe in any situation. Keep these motorcycle safety tips in mind every time you go for a ride to help prevent accidents while on the road.

Construction zone riding – make sure to look out for work zone hazards, such as loose gravel on the road, pooling water, and traffic stopping suddenly when driving through a construction zone. It is also important to make sure you know the construction zone laws to make sure you do not get fined.

Proper motorcycle gear – always wear a helmet when riding to greatly increase your chances of surviving an accident. Invest in a jacket and pants that are made of sturdy material, such as nylon or leather to protect your body in an accident. If you are riding at night, make sure to wear reflective gear so you are visible to other drivers on the road.

Most importantly, make sure you have the right motorcycle insurance to protect yourself from any unfortunate accident. Contact Warrior Insurance for all of your insurance needs in the Monument, Colorado area.

Is Your Business Small or Large? And What Type of Insurance Do You Need?

Friday, July 11th, 2014

Owning a business comes with a lot of responsibility and accountability, including making sure you are providing the right amount of health insurance to your employees. Knowing if your business is considered a small or large business can make a huge difference in the amount of insurance you are required to provide.

If your business has 50 or fewer full-time, or equivalent employees, you are considered to be part of a small group. This means that the health care you have to provide to your employees must meet the same standards for those policies that are offered to individuals and families.

Businesses that have 51 or more full-time, or equivalent employees are required to offer health care that meets all the requirements for large groups. They also have a wider selection of plans to choose from.

An employee is considered a full time, or full time equivalent employee if they work at least 30 hours a week, on average.

Contact Warrior Insurance in Monument, Colorado for all of your health and business insurance needs.

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