Motorcycle Safety in Winter Weather and Motorcycle Insurance in Niles, IL – What You Need To Know for 2019

At Bob Korvas Agency Inc. we understand that motorcycle rider are passionate about riding in all weather conditions. While many people ride less often in the darker, colder months, or stow their bikes altogether, it is still of the utmost importance to maintain upkeep on your cycle.

With winter weather officially upon us, winterize your bike.

  •  Steps, notes on how-to. (Fluids, battery, tires, etc)
  •  Winter riding items for warmth and safety. (Suits, boots, gloves, warming gear, tire warmers, windscreens, etc)

Be aware of current weather and road conditions around Niles IL Cold, damp roads, as well as de-icers and salt on the street, alter the texture of the roads you ride on every day. Consider an alternate route if one is available.

And as always, make sure your insurance is up to date! Your cycle is a valuable investment, and your safety is essential. Both are important to us. Call Bob Korvas Agency Inc. and speak to a member of our team. We will help you and your cycle stay protected so you can enjoy this winter.

With another new year just around the corner, now is a great time to (update your policy, shop for a new policy).

  •  Information about motorcycle insurance throughout IL. (Current requirements, averages)
  •  Niles IL laws (New and old – what’s changing)
  •  Expected increases (How much, why, and when)

Let Bob Korvas Agency Inc. help you start 2019 off right: make it your New Year’s resolution to make sure your motorcycle insurance policy is up to date. Call today and speak with one of our representatives. Together we’ll keep you tuned in to all your current insurance needs!

What Is Umbrella Insurance And How Much Do You Need? Find Out Here!

There was a time when homeowners’ insurance and an auto indemnity plan was enough to protect you from financial ruin. Standard assurance policies in this day and age, however, may not be enough to keep you covered when accidents occur in Niles, IL. Bob Korvas Agency Inc. can help you find the right umbrella insurance plan so that you are fully protected when tragedy strikes. 

What is umbrella insurance?

You can consider umbrella insurance as your safety net when your standard assurance policies fall short. This type of indemnity plan pays the difference when your auto or homeowners’ insurance policy limits are exhausted. 

Say, for example, you have a car accident that leads to more than $20,000 in property damage. Your policy limits, however, only guarantee $15,000 in payment for repairs. You are still responsible for the remaining $5,000 even if your insurance plan does not cover such amount. Umbrella assurance would help in this instance as a plan could pay for the additional expense. 

Does umbrella insurance have policy limits?

Just as with any other indemnity plan, umbrella insurance has its limits. The amount of extra coverage that you receive when you need it the most in Niles IL depends on the premium amount that you are willing to pay. You may not have the biggest safety net if you want to pay as little as possible every month. On the other hand, you may find your added protection to be endless if you opt to pay more in premium amounts. 

How much assurance do you need?

The amount of umbrella insurance that you need depends on your lifestyle. You may want to pay more if you have assets that can be taken in a lawsuit should your traditional assurance policy fall through. It may also be necessary to buy a more expensive assurance plan if you do not have thousands in the bank to pay if your policy limits are exhausted. 

Bob Korvas Agency Inc. can help you determine the umbrella insurance plan that fits you best. Contact them today for a quote!