Your standard Safeco Car Insurance policy provides essential liability protection and other coverages required by law. It includes coverage if your car is involved in an accident while being driven by you or someone else. To enhance your policy with extra protection for damage, emergencies, repairs, and personal property, you can choose additional coverage options. Your local independent agent can offer personal advice about product availability in your area and how much coverage is right for you.
Third-party liability coverage pays damages you cause to others in a covered loss — up to the policy’s limits. When selecting those limits, it’s important to know the value of assets you want to protect. Add up the value of everything you own: your primary and vacation homes, savings and investments, cars and recreational vehicles, and any collectibles. Ideally, choose liability limits that are high enough to protect the total value of these assets.
Illinois is still one of three states in the US that doesn’t enforce helmet-use among motorcyclists. It’s still an ongoing debate in the state, but using a helmet is highly encouraged because it can protect you from debilitating injuries. It’s also best for motorcycle riders to wear high-visibility clothing, especially when driving on busy highways.
Some evidence suggest that women are safer drivers than men, hence, pay less car insurance. However, insurance costs levels off as women drivers get older. Studies reveal that between ages 30 and 50, men pay slightly less auto insurance than women do. Married car owners also are charged with less insurance premiums, they tend to be more careful now that they are driving for their families.
Insurers don't determine your actual cash value (ACV) settlement based on what you owe, but rather on what the car is worth just prior to the accident. Let's say you owe $20,000 on your new car, but it's only worth about $16,000. If your car is totaled, you might get a settlement check of $16,000 but still owe an additional $4,000 on your loan or lease.
Today we still answer to our members, but we protect more than just cars and Ohio farmers. We’re a Fortune 100 company that offers a full range of insurance and financial services across the country. Including car, motorcycle, homeowners, pet, farm, life and commercial insurance. As well as annuities, mutual funds, retirement plans and specialty health services.
Though you may think that they are purchased more for aesthetics, gloves are essential in motorcycle safety. If you ever find yourself in an accident, no matter the magnitude, breaking a fall with your bare palms on concrete or asphalt will leave you with painful gashes. There are different types of gloves you can get depending on your budget and the weather.