Tips to Help Keep You Safe When Driving in the Rain

More accidents occur when it is raining than when it is sunny outside. Rain decreases visibility and makes the roadways slicker. While you are not able to prevent every accident from occurring, there are steps that you can take to help keep yourself a bit safer, even when you are driving in the rain. HighPointe Insurance Services LLC, serving Overland Park, KS, wants to keep you safe on the roads. Here are a few tips that can help you do just that. 

Have Your Tires Inspected Prior to the Rainy Season

One of the best ways that you can stay safe when driving in the rain is to have your tires inspected prior to the rainy season. If the tread on your tires is worn, you may slide when you hit your brakes, which can lead to an accident. Having your tires inspected, and replaced if needed, can help you to stay safe. 

Use Your Headlights

Another tip is to turn on your headlights when driving in the rain. It may be hard for other drivers to see your car when it is downpouring. Having your lights on in the rain increases the ability of other cars to see you. 

Drive Slower Than Normal

Lastly, be sure to drive a bit slower than normal when it is raining. Roads are slick and what may normally be a safe driving speed may become unsafe in the rain. 

Taking these steps will help to keep you a bit safer when you are driving in the rain. Unfortunately, though, you cannot prevent every accident from happening, which is why it is important to have auto insurance that properly protects you. If you are looking for a new auto insurance policy in the greater Overland Park, KS area, turn to HighPointe Insurance Services LLC. Visit our website to get a free estimate today. 

Additional Protection Provided By a Comprehensive Auto Policy

All auto policies are not the same, and the team at HighPointe Insurance Services LLC here in Overland Park, KS can help you find the right policy to fit your needs. Liability and collision are just two facets of the protection that auto insurance can provide. While having the appropriate level of collision and liability coverage is very important, there are many other protection options that are available. If you are looking for the peace of mind that comes with knowing that you are prepared for almost any situation, comprehensive insurance can set your mind at ease.

Roadside Assistance and Rental Car Reimbursement

Having reliable roadside assistance is an option that many people overlook when deciding which insurance policy is right for their needs. Having roadside coverage protection through your auto insurance policy can simplify matters in the event that your car breaks down and requires repair, as the vendors who provide the service will already be approved by your company to provide towing services and conduct any necessary work or repairs. 

If you are involved in an accident and your car is totaled or inoperable, car rental reimbursement can make getting your car repaired or replaced a lot less stressful. And a comprehensive policy can help fill in any gaps. Navigating insurance claims and car repairs and replacements is a stressful experience under the best of circumstances, and working with a full-service agency can help you make the process as streamlined as possible.

Want to learn more about the protection that a comprehensive auto insurance policy can provide? Contact HighPointe Insurance Services LLC today to review your auto insurance policy options and determine which is right for you. We look forward to serving our friends and neighbors in the greater Overland Park, KS area!

How To Properly Insure a Truck

Did you just buy your first truck? If you did, there are some things to consider about your latest purchase that you probably didn’t have to think about with your vehicles of the past, namely insurance, namely insurance. Truck have a lot of uses that cars don’t have, the primary reason that insuring them is a little bit trickier. The follow are some aspects you should consider before purchasing insurance for your truck. 

It’s use – Is this a personal vehicle, or a bigger truck like a box truck you are using for business? Work vehicles should have commercial insurance because of their increased use and safety concerns. You should be fully covered in the event that there is an accident that causes harm to another person. You should consider increased coverage if you have a pickup truck. You probably bought it for a reason, and that’s to transport stuff. Otherwise, why get a truck? 

Cost – Many car shoppers make the mistake of purchasing a vehicle without first considering the cost of the car note plus the added insurance costs. Trucks can have higher premiums, making it vital that you check the total monthly cost of the vehicle before taking it off of the lot. If you don’t, you could severely hamper your budget in the future, making your truck a constant reminder of your financial difficulties. 

Those with questions about insuring their truck should contact an insurance representative at HighPointe Insurance Services LLC, an insurance provider in Overland Park, KS. They can help you make the right decision going forward about how to insure your truck. The key is to finding the right level of coverage at a price that fits your budget and this is something that should be factored before you make the purchase. 

Uninsured Motorists and RV Insurance

RV insurance for accidents works very much like regular vehicle insurance. There are different types of policies available, and the coverage an RV owner chooses to put in place will often dictate the amount of recovery and type of help that will be provided.

A strict liability coverage will only address the require minimum liability coverage an RV owner has for others harmed or whose property is damaged by the RV. It usually does nothing for the RV owner in terms of repair or replacement. While these polices tend to be cheaper, they pose a real problem when the accident involves an uninsured motorist. Generally, the uninsured motorist has no coverage or personal funds to claim against, which means the RV owner is up a creek for his own recovery.

A comprehensive policy, on the other hand, will include provisions that address injury to others as well as personal injury and property damage to the policy holder. While a comprehensive policy tends to be more expensive, it is a real blessing when the accident involves an uninsured motorist. Instead of having to worry about trying to get some semblance of coverage out of the other party, the RV owner can look to his own coverage for recovery up to the limits stated in the agreement. In most cases, that tends to be sufficient to repair and RV as well as take care of most injury costs the RV owner and his guest or family might receive in the accident. The insurance provider then determines whether to go after the uninsured motorist or not for its recovery.

To get a detailed look on how an Overland, KS area policy would work, connect with HighPointe Insurance Services LLC. They can walk a customer through all the options and point out the best coverage for one’s needs and budget with an RV.

Why Drivers Experience Road Rage and What to Do About It

Although most people won’t admit to it, they’ve experienced road rage at some point in their lives. While it may not be something that you feel every single day or that you see day in and day out, it’s a serious threat. In fact, the National Safety Council says that this is the single most threat to safety on the highway today. So, why do people experience road rage in the first place? Is there anything that can be done? Read on to learn more.

Reasons Why People Experience Road Rage

How do you feel when someone flips you off – you know, gives you the middle finger, or the bird? Probably not great, right? In fact, it could really anger you. How do you feel when you’ve been driving around the mall parking lot forever and finally set your sights on a parking space only to have someone else swoop in at the last minute and take it from you? You’re really angry because who knows how much longer you have to continue driving around with your screaming kids now. Things like this are what cause people to experience road rage.

How You Can Avoid Road Rage

One of the most unfortunate things about road rage is that it can result in aggressive driving, which can then lead to traffic injuries and deaths. Therefore, it is important to learn a few tactics that will help you avoid experiencing such aggression toward someone else. For example, with the above scenarios, try to wave instead of flipping someone off. In some cases, this can actually help to defuse a situation. When someone steals your parking spot, stay calm, don’t blare your horn at them and avoid eye contact with them. While you may still be angry on the inside, these steps will do wonders in helping you calm your emotions and bring your levels of anger down so that you can relax, avoid unnecessary confrontation and injury, and enjoy the rest of your day.

Because road rage is so common and can cause accidents, it is important that you make sure you are always covered with an adequate amount of insurance. Contact us at HighPointe Insurance Services LLC to get a quote for a new policy or to ensure your coverage is still current and meeting your needs. 

What Auto Insurance Do You Need When Traveling Abroad?

Auto insurance is an important legal aspect of driving safely in the United States. Driving overseas, it is also just as important. While driving overseas, car insurance is more for your own benefit than anything else. Considering that driving laws can be very different overseas from those in the U.S. it is imperative to have auto insurance for your own safety and protection.

Temporary auto insurance is often offered through the car rental company you will be using. However, if you are planning to stay overseas for a longer period of time then purchasing international car insurance is a good plan.

Remember that each country will have different laws governing auto insurance coverage. You will need to do your homework beforehand to make sure you are properly covered with the correct type of insurance.

Types of Auto Insurance

Collision- This covers you when you have an accident involving another car that was not your fault. This type insurance will cover the repairs to your car and often medical bills resulting from any injuring.

Liability- This covers you when you have an accident that was your fault. This pays the victim for damage and injuries, but does not pay for damage to your car or injuries you withstand.

Comprehensive- Comprehensive car insurance covers a variety of incidents which might occur to you or your vehicle. Although collision and liability are two of the most common types of coverage under comprehensive, there are a host of other types of accidents which can occur to damage your car or injury you while driving abroad. Comprehensive insurance is good because it can cover all of these other things which are also real threats. Some of these threats include hail damage, vandalism, striking an animal and many others.

If you would like to learn more about auto insurance please contact us at HighPointe Insurance Services LLC now serving Overland Park, KS.