Suppose you plan to travel from one location to another, whether for work, you may want to secure travel insurance. This coverage protects you from liability in the event of an accident or incident where there is damage to property or any cargo you may transport. Most truck transportation companies and owners secure this additional coverage to prevent losses from fire, theft, delays, or damage. Let the experts at Martin Insurance Team, serving Evergreen Park, IL, help you secure the coverage you need.
Transportation Insurance Coverage
Consider this coverage if you have a commercial truck or a regular car and want added protection against physical damage and cargo losses. It’s additional insurance protection aside from liability. It can protect you when you experience unexpected events, such as an accident involving an animal or even falling objects and vandalism.
Transportation insurance is a blanket of protection for the cargo and the vehicle in one package. Transportation insurance covers more than just trucks, however. It can cover vehicles and cargo that range from standard trucks to railway cars and boats. This insurance is also ideal for protecting employers from the negligent actions of employees on the road.
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The experts at Martin Insurance Team are ready to assist the residents of Evergreen Park, IL, and the surrounding areas in getting the insurance coverage they need to protect them from risk and liability. Call or stop by the office today to speak with one of our helpful agents. We can help determine the level of coverage you need and provide great options to help protect your cargo and assets while they move from one location to another.
If you’re a truck driver in Evergreen Park, IL, you know an effective insurance plan is essential. But with all the different types of coverage available, it can be overwhelming to figure out which type of policy is best for you. Here the Martin Insurance Team provides an overview of the different types of insurance that truckers need to consider.
Commercial Vehicle Insurance
Commercial vehicle insurance is designed to protect truck drivers from losses caused by damage to their vehicles while they are on the road. This type of coverage typically includes property damage and liability protection, and most truck drivers are required to have at least a minimum level of commercial vehicle insurance to operate legally.
Cargo Liability Insurance
Cargo liability insurance helps protect against financial losses if goods or materials are damaged or destroyed while in transit. This type of coverage is especially important for those transporting valuable items such as electronics, jewelry, or antiques. It also covers any legal costs should a claim be made against the driver or company due to cargo damage.
Non-Trucking Liability Insurance
Non-trucking liability insurance provides coverage when a truck driver is not directly engaged in carrying goods or services for their business but still needs protection from potential liabilities arising from accidents or other unexpected events. This policy covers incidents such as vandalism, theft, fire, and personal injury claims related to non-business activities like driving home after work.
Having adequate insurance coverage is essential for any truck driver in Evergreen Park, IL who wants peace of mind while on the road. Contact the Martin Insurance Team for more details.
Riding a motorcycle can be a fun and exhilarating experience, but it’s also important to stay safe while on the road. Here are some tips to help you stay safe while riding your motorcycle.
1. Wear a helmet – A motorcycle helmet is the most crucial piece of gear you can wear while riding. It can protect you from serious injury in the event of a crash. Ensure your helmet is fitted correctly and meets all safety standards.
2. Wear bright colors – Wearing bright colors makes you more visible to drivers, which can help reduce the risk of getting hit by a car.
3. Ride defensively – Always be aware of your surroundings and take precautions to avoid accidents.
4. Use signals – Use signals to indicate when you’re turning or stopping so that other drivers know what you’re doing.
5. Don’t drink and ride – Drinking and riding can impair your judgment and increase the risk of getting into an accident. This is especially important when you are on two wheels.
6. Check your motorcycle’s oil level and tire pressure – Checking your motorcycle’s oil level and tire pressure before every ride can help reduce the risk of experiencing a mechanical failure while on the road.
7. Carry a spare key, ID, and money – Carrying a spare key, ID, and money in case of an emergency can help you get home safely.
Riding a motorcycle can be an enjoyable activity, especially in Ft Myers, FL, but one that is inherently prone to risks. Knowing that you are covered in case of an emergency will make the experience even more fun. To explore your options for motorcycle insurance, contact the Martin Insurance Team today!
Tragically, thousands of accidents happen yearly due to distracted drivers with passengers in their vehicles. You may not think about it, but their safety is partially in your hands when you have passengers in your car. Here are some tips from the Martin Insurance Team of Ft Myers, FL, to help keep your passengers and yourself safe while driving.
Always wear a seatbelt.
It is always essential to wear a seatbelt as a driver or a passenger in a vehicle. Wearing a seatbelt can help to protect you in the event of an accident by keeping you restrained in your seat. This can help prevent you from being ejected from the vehicle or thrown around inside the car, which can lead to severe injuries or even death.
Do not distract the driver.
As a passenger, you should never distract the driver by talking on the phone, having loud conversations, or doing anything that takes their attention away from the road. Distracted driving is one of the leading causes of accidents, so it’s essential to be aware of your surroundings and not cause unnecessary distractions.
Do not let anyone drive under the influence.
When someone is under the influence of alcohol or drugs, they are not in the right mind to drive. They may be unable to think clearly, and the driver may slow down their reflexes. This can lead to them getting into accidents and even killing themselves or others.
If you’re looking for a great car insurance team in Ft Myers, FL, look no further than Martin Insurance Team. We’re here to help you find the right coverage for your needs and budget. Give us a call today to get started.
As a motorist, it’s important that you’re informed about how auto insurance works and what types of coverage you need. We can help you get the information you need about auto insurance in Ft Myers, FL at Martin Insurance Team.
The following are four of the most important things motorists should know about auto insurance.
Auto insurance coverage is required by law.
It’s crucial to purchase auto insurance because liability insurance is required by law in just about every state in the US. If you don’t carry adequate auto insurance, you could be subject to fines or worse if you get pulled over by the police.
You can get quotes from different auto insurance providers to compare policies.
Auto insurance providers will offer you quotes on the policies so that you can determine a price. You can get quotes from numerous insurance providers and compare them. This way, you can find a policy that offers value while providing you with all the coverage you want and need.
Your driving history and credit score affect auto insurance premiums.
Maintaining a driving record that’s free from infractions can allow you to take advantage of the lowest possible auto insurance premium costs. You’ll also benefit from having a good credit score. Motorists with higher credit scores usually also enjoy lower auto insurance premiums.
There are numerous discounts available on auto insurance premiums.
Auto insurance providers typically offer discounts for paying for your entire policy upfront or completing a defensive driving course. Explore discount options so that you’re sure you’re not paying more than you should have on your auto insurance premiums.
Call or email us at Martin Insurance Team to explore auto insurance options available to you in Ft Myers, FL.
When it comes to car insurance, there are many things to consider. But don’t worry, we’re here to help. This post will cover four key things you need to look for when choosing auto insurance coverage. So whether you’re a first-time buyer or just looking for a refresher, read on for some helpful tips.
1. Make Sure You’re Getting the Right Amount of Coverage
It’s vital to ensure that your auto insurance policy covers you for the right amount. You don’t want to be underinsured and risk paying out of pocket for damages or being overinsured and wasting money on unnecessary coverage. Be sure to speak with your insurance agent to determine the right amount of coverage for your needs.
2. Consider Your Deductible
A deductible is the amount of money you must pay before your insurance kicks in. It’s important to choose a deductible that you’re comfortable with and one that won’t put too big of a financial burden on you if you have to file a claim. Generally, the higher your deductible, the lower your monthly or annual premiums.
3. Understand Your State’s Minimum Coverage Requirements
Each state has its minimum auto insurance coverage requirements. Be sure to familiarize yourself with your state’s requirements to make sure you’re getting the right amount of coverage. However, remember that meeting your state’s minimum requirements is not always the best option, as you may still be underinsured.
4. Know What Additional Coverage Options are Available to You
Once you understand the basics of auto insurance coverage, you can start to explore additional coverage options that may be available to you. Common options include collision and comprehensive coverage, personal injury protection, and roadside assistance. Be sure to speak with your insurance agent about which options are suitable for you.
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Choosing the right auto insurance coverage can seem daunting, but it doesn’t have to be. Just keep these four things in mind, and you’ll be on your way to finding the perfect policy for you. And if you’re ever unsure, our Martin Insurance Team in Ft Myers, FL, is always happy to help! Give us a call to request a quote.
If you have recently thought about purchasing a vehicle or getting auto insurance within Ft Meyers, FL, understanding the various insurance options on the market will be an essential part of your journey. Below, Martin Insurance Team explains different auto policies to consider looking into.
Liability coverage comprises two components, with the first being bodily injury liability. This covers costs related to 3rd party injuries when you are found liable for an accident. The second is property damage liability that caters to other parties’ costs of vehicle repairs and replacement.
Medical Payments Coverage
A medical payments policy takes care of your medical costs when you are injured in an accident. This policy also covers your passengers, allowing them to offset any treatment costs and examination fees.
Comprehensive coverage comes in handy when your vehicle is damaged during non-collision accidents. These include instances involving fire, theft, hail, and vandalism. Depending on the damage caused, your comprehensive policy allows you to take care of your replacement or repair expenses.
As the name implies, collision coverage is designed to help you pay for damages arising from collision accidents. If you hit another vehicle during your drive, this coverage ensures that your vehicle replacement or repair costs are covered. It also comes in handy when you hit objects such as fences and posts.
Uninsured and Underinsured Coverage
If you are hit by an uninsured driver whose coverage cannot pay for your treatment or vehicle damage costs, uninsured coverage will help you offset these expenses. Underinsured coverage kicks in when you get into an accident with a driver whose insurance is not enough to pay for your medical or vehicle damage costs.
If looking for auto coverage designed to protect you and your vehicle, Martin Insurance Team is the partner you need. Call us today for auto insurance designed with Ft Meyers, FL needs in mind.
Most people that are in the Evergreen Park, IL area will find that owning a car is a good idea. If you are going to be a vehicle owner in this part of the state, you will find there are a lot of great benefits that come with coverage. It is also typically a necessity for most vehicle owners. There are a few reasons that you will need to maintain an auto insurance plan in this state.
Coverage is a Legal Requirement
The first reason that anyone in this area of the state will want to have an auto insurance plan is that they will be required to have it to comply with the law. Illinois is similar to other states as it requires motorists to carry liability auto insurance. If you do not carry this coverage at all times, you could face penalization if you are caught without it.
Coverage is Required by Lenders
Purchasing a vehicle today is quite expensive and many vehicle owners will need to have a loan to ensure they can finance the purchase of it. As you are looking to take out a loan, you will want to ensure that you understand your insurance requirements. Most of the time, an auto loan provider is going to require that you maintain a full collision and comprehensive plan as long as the loan is outstanding.
Getting an auto insurance plan in the Evergreen Park, IL area is a good option for all motorists. As you are looking for a plan here, you should call the Martin Insurance Team. The team with the Martin Insurance Team can give you any support that is needed to choose a new plan. This includes helping you determine what your needs and different options are.
It is pretty safe to say everyone should have auto insurance. On average 6 million auto accidents happen in the United States every year. With about 230 million licensed drivers, plenty of opportunities for mayhem are out there on the roads waiting to happen. Collision and comprehensive are not mandated by the state of Illinois, they are optional coverage. If you live in Evergreen Park, IL, Martin Insurance Team is a full-service independent agency that is ready to answer any of your insurance questions.
Collision and comprehensive are types of insurance coverage you will need to carry if you are leasing a vehicle or have an auto loan. It will be required by the lessor or the lenders. It is insurance that covers your vehicle. If you have an accident where the other driver is at fault, their insurance will repair or replace your vehicle. When you are the at-fault party, the repair or replacement is on you. Collision insurance would pay for the repair or give you the value of your car minus the deductible.
Comprehensive coverage covers your vehicle but from things over which you have no control. Many weather events can damage your vehicle. High winds can send tree limbs onto your vehicle. Heavy rains and flooding can damage your vehicle and hail can ruin your paint job and maybe even windows. Theft of the entire vehicle and vandalism are covered by comprehensive. Deer in the road are a real hazard and they can send your vehicle to the trash heap if you are not able to avoid hitting them.
When it comes to who needs collision and comprehensive auto coverage the answer is anyone who needs their car and couldn’t easily repair or replace it out of their pocket.
Contact Martin Insurance Team in Evergreen Park, IL with any of your insurance questions or needs.
Anyone that lives in the Evergreen Park, IL area will be much better off having a car than not having one. When you do have a car in this area of Illinois, you can conveniently get around town and take advantage of all local amenities. Along with picking a new car, you also need to choose a new auto insurance policy. A quality auto insurance policy can protect someone in several different ways.
Insurance Protects Vehicle
One way that your auto insurance policy can protect you is by providing you with coverage for your vehicle. When you do go and buy a car, you are going to have to spend a lot of money on the purchase and maintenance of the car. Losing this investment to theft or damage could be devastating. Fortunately, you can protect your car and your investment if you do get a full auto insurance policy with collision and comprehensive protection.
No matter how safe of a driver you are, there is always going to be a chance that you could cause an accident while you are driving. If this does happen, you will need to pay for any damages that you cause. This could end up requiring you to spend a lot of money out of pocket to cover the damages. When you get an auto insurance policy, it will include a provision for liability insurance that could help to offset and mitigate this risk.
When you want to get an auto insurance policy in the Evergreen Park, IL area, you need to make sure that you call the Martin Insurance Team. With the Martin Insurance Team, you can receive a lot of support that will help you to choose a quality policy. This can help ensure you remain properly covered at all times.