Can I Appeal an Auto Insurance Claim?

When it comes to an auto accident, it’s fairly common for two parties to see the same event in two completely different lights. If you live in Oro Valley, AZ and you’re unhappy with the result of your auto insurance claim, you have the option to appeal it. Insurance companies recognize that the people making the decisions are not perfect, which is why they allow the situation to be revisited when it makes sense. Old Pueblo Insurance can give you a better idea of what you can expect from the whole process. 

Read Over the Explanation 

As easy as it is to assume the insurance company made a mistake, you will want to understand their position first. They’ll let you know why the claim was denied or settled out for a certain amount. Maybe your car insurance policy will only cover certain types of collisions. For example, let’s say you tell your car insurance company that you only use your car for personal use. However, one day your boss asks you to pick something up from the store and you get into an accident.

When your auto insurance company investigates, they find that you did not disclose that you used your car for business and thus reject the claim. This is something of a gray area that you could almost certainly appeal. It just helps to know exactly what your policy states and how exactly you use your car before you decide to fight the rejection.

There are a variety of reasons why your claim might be denied. If you have questions about what you can do, call Old Pueblo Insurance today. We make it possible for the people of Oro Valley, AZ to get the advice and guidance they need at a critical time. 

Can You Get General Umbrella Insurance

Umbrella insurance is additional coverage that you can take out on top of your existing insurance coverage. An umbrella policy is a great way to get more use out of your policy and to add extra coverage without having to change your existing policy. For those that live in the Oro Valley, AZ area, the agents with Old Pueblo Insurance can help you to find the umbrella policy that is going to work for you.

You can get umbrella policies to help add extra coverage to the policies that you already have in place. You can get policies that are specific to a certain type of insurance or you can get a general policy that covers several different types of insurance. It is always going to be less expensive and difficult to find an umbrella policy that is geared toward one specific coverage type. You can buy general liability coverage that is meant to cover liability as well. For the most part, it is going to be much more financially smart and easier to buy umbrella policies that are geared toward one type of insurance or other.

In some cases, the company you are looking to purchase umbrella coverage from may ask that you take the time to adjust your coverage on your current policy in order to make sure you are getting good coverage there before you work to get an umbrella policy. Taking the time to adjust your existing coverage first is going to help you make sure you get the right coverage and that you are going to be able to get an umbrella policy that works for you. For those in the Oro Valley, AZ area, the agents with Old Pueblo Insurance is going to be able to help you get the umbrella policy that works for you.

What to Expect from Your Motorcylce Insurance

Riding your motorcycle is an excellent way to explore the area around Oro Valley, AZ. In order to legally operate on Arizona roads, all drivers are required to have a valid insurance policy.  What exactly does your motorcycle insurance cover? What are some of the things for which you may need additional protections? Here’s what you can expect from your insurance policy from Old Pueblo Insurance.

Every insurance contract is different. However, these coverages are included in most policies.

  • Bodily injury liability. This portion of your policy provides funds to those who suffer injury from an accident for which you are deemed to be at fault. Payments are used for medical bills, therapies, and burial services.
  • Property damage liability. If your vehicle damages the property of another person, this part of your policy pays for repairs and replacements. It is important to note that this coverage may not extend to damages you cause to your own property.
  • Guest passenger liability. This coverage extends your policy to protect those who are riding with you at the time of an accident. Like the required liability portion of your contract, this coverage pays for loss of property and injury-related costs.

There are some things that may not be covered by your insurance policy. Talk to the agents at Old Pueblo Insurance for guidance on how to protect yourself from these threats.

  • Competitions. If you race for a living or as an amateur hobbyist, your motorcycle insurance may not cover any damages you sustain during those events.
  • Commercial use. Delivery drivers and others who use their motorcycle for business purposes should pursue a commercial policy for maximum protection.
  • Other drivers. Each driver should have their own insurance credentials. Never allow someone without the proper paperwork to operate your cycle.

Old Pueblo Insurance provides motorcycle insurance coverage for residents in the Oro Valley, AZ area. Contact us to start customizing your coverage today.

Does RV Insurance Cover Pets?

RVs allow you to do many things that a traditional vacation simply do not, like bring your pets along with you. That being said, you must be able to protect your pets while you are using your RV and your insurance policy may be the ticket. For those that live in the Oro Valley, AZ area, the agents with Old Pueblo Insurance can help you get the policy that works for you.

Pets are generally not covered by any specific policy but are most often covered under the contents or liability clause of your RV policy. This means that if your pet is injured while you are driving your RV, you may be able to claim contents or make a liability claim to get the funds that you need to cover the medical expenses of your pet. Pets are a fundamental part of many families and knowing that you can get some insurance money if they are injured in your RV can be comforting.

If that amount or type of coverage does not work for you, you can always get a pet insurance plan that helps to cover the medical costs of your pet for nearly every procedure that they may need. Pet health insurance is a great thing to have if you have a pet that is a rare breed or that has health issues that require frequent visits to the vet. A pet policy does also cover bodily injury if your pet is hurt in an accident.

For those that live in the Oro Valley, AZ area, the agents with Old Pueblo Insurance can help you find a policy that covers your pet and your RV and that makes you feel secure every time you set out in your RV for a fantastic trip.  

How Flood Insurance Works

Floods are the most common result to extreme weather conditions in the United States, and they often result in severe damage to an individual’s personal property. In 1968, the federal government created flood insurance to assist those property owners in recovering from the devastation to their home after a major storm. 

Now, flood insurance is available to those homeowners who live in a flood-prone areas. If you’re considering taking a mortgage on property located in a high-risk zone like Oro Valley, AZ, the lender may require you to purchase some form of flood insurance.

What’s Flood Damage

To better understand how flood insurance works, you need to speak with Old Pueblo Insurance on what qualifies as flood damage. A standard homeowner insurance policy doesn’t cover flood damage at all, but it will cover for water damage caused by a bursting pipe or broken faucet that was inside the home. However, the policy may cover the damages sustained from a rainstorm, but if you’re home is filled with water from a rising lake, river or the ocean, then there is no coverage provided for your loss. Thus, your home insurance policy will not pay for the repairs needed from that flood. 

What Is and Isn’t Covered in a Flood Insurance Policy

It’s important to know what is and isn’t covered by a flood insurance policy. Often, it will consist of two separate policies: one that covers the home and another for your personal property. To better simplify this, the contents inside the home or building aren’t covered in a standard flood insurance policy. You will need to add a separate property flood insurance policy to your existing agreement. 

Usually, there is a waiting period between the purchase date and when the flood insurance policy goes into effect. In most cases, the waiting period can last 30 days following the purchase of the coverage. This time might be shortened if your property sits on burned land as post-wildfire conditions could put your home in danger if flooding occurs due to torrential rainstorms that may follow. 

Boat Insurance Protects Against Issues Caused During Winter

Boat owners in Oro Valley, AZ likely store their boat during the winter months without buying an insurance policy to protect their vessel. This mistake is one that we at Old Pueblo Insurance hope to correct by providing excellent coverage for boats of all types in this area.

Cold Weather May Trigger Boat Issues

Although winters in Arizona may not be as extreme as other parts of the world, temperatures can still get pretty low during the coldest winter months. Unfortunately, this situation means that a boat owner may park their vessel in storage during the most damaging times of the year.

When cold weather occurs in and around a boat, issues with freezing may occur, especially if the boat owner isn’t used to such protection measures. As a result, their boat may end up severely damaged and unable to run without them having any insurance to pray for these repairs.

Boat Coverage Protects Against Winter Damage

When a boat owner stores their boat during the winter, they may think that their homeowner’s insurance policy protects it from damage. Unfortunately, that misunderstanding is simply not the case. While some policies may cover a boat, others won’t help at all.

However, high-quality boat insurance policies are designed to protect a boat from any type of serious damage. For example, a stored boat damaged by cold weather during the winter can be repaired using boating insurance. As a result, boat owners should insure their vessels all year round.

Choose a Policy for Your Vessel

So even if you don’t expect a cold winter in Oro Valley, AZ this year, please contact us at Old Pueblo Insurance to get the boating insurance you need to protect your vessel. You won’t regret taking the step to fully protect your investment and to keep it from serious damage.

Why get an umbrella in Arizona

Umbrella insurance is for catastrophic losses and could save you from financial ruin in some situations.  Not everyone needs such a policy. Retired people, especially those with a large amount of money or possessions, are the ones that would need this the most. The Old Pueblo Insurance agency in Oro Valley, AZ can help you sort through the insurance questions and find the policy you need.

If you have basic homeowners insurance you may think you have all you need. Renters or people living in condos also have specific types of insurance for those situations. In most cases, those policies cover loses, and are enough for anyone. However, those policies have limits on how much they will pay. If your policy has a $300,000 limit, that is all it will pay. If you have a million dollar loss in a lawsuit, you will have to pay $700,000. That is where an umbrella policy can save you. Umbrella policies are not terribly expensive, usually less than a homeowners policy.

The umbrella policy has a much higher limit for liability.  If someone gets hurt, or several people get hurt, on your property you could be facing a big lawsuit. Or if you are in an accident, you could face a lawsuit with the possibility of a very large settlement being awarded. This could wipe out your savings very quickly. An umbrella policy would cover you in that situation. The umbrella policy can also cover you for libel and other types of damage you could cause. 

Contact the Old Pueblo Insurance company in Oro Valley, AZ to find out if an umbrella policy is something you should have in addition to your regular insurance.  Contact us by phone, or visit our website and use our tool to get information about insurance and pricing. 

Is motorcycle insurance required in Arizona?

Motorcycle enthusiasts in the greater Oro Valley, AZ area often ask the team at Old Pueblo Insurance if a motorcycle policy is required in the state of Arizona. Liability coverage is a requirement for all motor vehicles that are operated in our state. This includes both trucks, cars, SUVs, RVs, and motorcycles.

A motorcycle base policy will include liability coverage in the event that you suffer damage or destruction to your vehicle or if you cause damage to another person’s property. Some policies may also provide coverage for medical expenses and injury to yourself, your passenger, and anyone with whom you are involved in an accident.

Different types of motorcycle coverage

You can meet the state insurance minimum requirements with a base policy that provides the liability coverage that you need. Additionally, you can opt to go with a policy that provides even more protection for yourself and your passengers. 

  • Protect your bike – protect your motorcycle in the event of theft or damage
  • Protect yourself and your passengers – additional coverage can often protect you from having to be responsible for legal or medical expenses in the event of an accident
  • Protect your financial and medical health in the event of an accident – if there is a judgment against you following an accident or a mishap, you can protect your financial health with coverage for certain medical expenses

Want to make sure that your motorcycle policy provides the level of coverage that you need? Contact the team at Old Pueblo Insurance to schedule a policy review. We can also help if you are planning on purchasing your first bike and want to have the right coverage in place before you get out on the road in the greater Oro Valley, AZ area.

Benefits of Life Insurance Even If You Are Young and Healthy

Getting life insurance when you are young and healthy has its benefits in Oro Valley, AZ. An agent at Old Pueblo Insurance can help get you started with the process.

When you are young, life insurance can be much cheaper. When a life insurance company is considering the applicant, they want the least amount of risk. When buying life insurance, the ultimate risk is the death of the applicant. While life insurance policies can be canceled at any time, the longer an individual holds onto a policy, the better it is for the insurance company. The younger you are when you apply, the less likely the company is going to have to pay out on a claim, which means that premiums are much cheaper at a younger age. Premiums tend to rise as you get older because there is a higher risk of death.

Another factor that insurance agencies use to determine risk is health. When you are healthier, you are less likely to die and you can also get better rates on life insurance. Getting life insurance before you develop any health problems will help ensure that you can actually get it when there is a need.

By getting health insurance when it’s cheaper because you are young and healthy, once you settle down with a family you won’t have to face higher premiums. It’s not just about replacing lost income for your future family, either. It can also be used to pay off debts. Many in the younger generation have huge student loan debt, and while federal student loans would be canceled after death, private student loans that parents cosigned for would have to be paid back by the surviving cosigner. If you pass away, the lender will expect them to pay. It can also be used to pay for any funeral expenses, so you wouldn’t have to burden loved ones with that cost.

Contact Old Pueblo Insurance, serving Oro Valley, AZ, to get a quote on life insurance. 

Why You Should Review Your Home Insurance At Least Once A Year

You should get in the habit of reviewing your home insurance in Oro Valley, AZ at least once a year. A lot can happen over the course of a year. Plus, you want to make sure that you’re paying what you should. Old Pueblo Insurance has reputable, independent insurance agents who can help you to review your policy.

One of the biggest reasons to look over your home insurance policy is to make sure that it encompasses everything that you own. For example, if you have made any home improvements or added any additional structures to your property, your insurance policy needs to be updated to include those. Otherwise, they may be eliminated from a claim, leaving you to pay for damages on your own.

If you have purchased a lot of expensive jewelry or fine art, it’s a good idea to complete a home inventory in your Oro Valley, AZ home, too. You may want to upgrade your policy to include a high valuables rider. This way, if there is a burglary in your home and these items are stolen, they are covered.

It’s also a good idea to make sure you are getting the most competitive rates. Insurance premiums will go up or down periodically. If yours goes up, you may want to review your policy to see if you’re getting all of the discounts you are privy to. It may also be beneficial to get quotes from a few other companies to see if you can lower your rates.

At Old Pueblo Insurance, we can review your policy to see if it is as comprehensive as it needs to be. We can make recommendations and even get quotes from several insurance companies to help you save money. Our independent insurance agents will work closely with you to ensure you have a home insurance policy you can count on.