4 myths about auto insurance every driver needs to know

Whether you’re looking to buy a new policy or update your coverage, it’s critical that you understand the factors that affect your insurance costs. Auto insurance is a popular policy as it is mandatory in Lees Summit, MO and other states. That’s why there is a lot of misinterpretation and negative information around. Here are the four common myths we thought you should know about.

Myth #1. Red Cars are Expensive to Insure

Whether you choose to paint your car yellow, pink or purple, color doesn’t play a role in determining your insurance costs. Your insurance company will only be concerned about the model of the car, year of manufacture, engine size, and body type. They will also want to check your driving record.

Myth #2. Senior Drivers Pay More for Their Insurance Policies

That’s quite the opposite. Young drivers or inexperienced drivers are likely to pay more when buying auto insurance as their driving record is yet to be established. On the other hand, seniors or older drivers are eligible for unique discounts depending on the number of years they have been driving.

Myth #3. Other People Who Drive Your Car are Covered in Their Own Policies

The insurance you buy is primarily for your car, not you. That means that it does not matter who was driving the vehicle when the accident happened. Your insurance policy will pay for the injuries other people sustain as long as you gave the green light for the other driver to drive.

Myth #4. Auto Insurance Covers Your Injuries

This is only true if you have personal injury protection (PIP), a specific coverage designed to pay your medical bills in case you’re injured. The minimum liability coverage required by the law does not cover your injuries or damage to your car. That’s why it’s always a prudent idea to speak to an Epic insurance expert to help you determine which additional coverages to buy.

For more information about auto insurance facts, questions, and new policy discussions in Lees Summit, MO, feel free to contact Epic insurance.

Will Home Insurance Pay for a New Roof?

When it comes to home insurance, what is and isn’t covered comes down to the cause of the damages more than the location of the damages. This means that yes, your home insurance provider will cover the roof of your Lees Summit, MO home. But, it will only cover the damages if they occur as a result of a covered hazard.

This means that in the event of a storm or a fire, your insurance company will cover the cost of replacing or repairing your roof. However, they will not pay to replace your roof simply because it was showing wear and tear and it’s time to replace it.

In fact, insurers may even drop their customers if a roof is neglected. The roof is one of the most important parts of the home, and if you don’t take care of it, then that signals to the insurer that you may be a poor caretaker of your home. Your insurer is willing to pay for the damages from covered hazards, but they expect you to keep the roof in the best shape you can reasonably keep it.

When a storm does blow through, it’s a good idea to take pictures, document the damages, and be on the lookout for "storm chasers." These are fly-by-night repair crews who go door to door promising to do the repairs, only to deliver substandard results while collecting the check from your insurer. Do your research, and don’t hire a repair crew just because they knocked on your door after the storm.

If you have any questions about insurance and roof repair in Lees Summit, MO, get in touch with Epic Insurance. Epic Insurance is here to get you covered no matter your home insurance needs.

Does your auto policy provide adequate collision coverage?

Being involved in an auto accident can turn your life upside down, especially if there is significant damage to your vehicle. Drivers in Lees Summit, MO turn to the team at Epic Insurance for help selecting the right coverage for their needs. When you have a comprehensive policy with adequate collision coverage you can rest easy no matter what comes your way.

Collision coverage is an important part of your auto insurance

We all know how important auto insurance is to protect ourselves, our passengers, and our vehicles. With a robust and comprehensive car insurance policy, collision coverage will help to repair or replace your vehicle after you are involved in a covered event. There is no reason to worry about vehicle damage when you carry a policy that includes adequate collision protection.

After an accident, you will have an estimate run on the cost of repairs to your car. This assessment will also determine if it makes more sense to classify the involved vehicle as a total loss. Whatever the case, it’s always preferred to have your auto policy cover the cost of repair or replacement. Collision coverage protects you from becoming financially responsible for any damage that is not covered by your policy. With the right policy, you can protect your assets while also making sure that your transportation needs are met, no matter what may happen.

Let’s make sure you have the protection you need

Drivers living in the greater Lees Summit, MO community can trust Epic Insurance. If it’s time for a new insurance policy, or you’d like a registered agent to review your current policy, call or stop by today! We have the knowledge and expertise necessary to help you choose the right car insurance policy for your needs.

What Does Recreational Insurance Cover?

Recreational insurance policies are common in Lees Summit, MO. However, most people do not have a comprehensive understanding of what RV insurance is likely to cover. Epic Insurance is committed to educating its customers to have a comprehensive understanding of RV policies.

Bodily Injury Liability

If you happen to be involved in an accident that causes bodily damages to another person, recreational insurance can help you deal with associated liabilities. Some of the common liabilities that this policy will cover in this case include medical bills, lost income, and pain or suffering. 

Property Damage Liability

While using a recreational vehicle, you might be involved in an accident that damages another car on the road or property. Recreational vehicle insurance will cover repairs and possible replacement of such properties. 

Collision Liability

Recreational insurance is essential in instances where the collision happens. Regardless of who caused the accident, your insurance company will cover all the possible repairs and damages. It is always advisable to have the necessary RV insurance if you have leased your RV, or you own it, to protect against collision while on the road.

Comprehensive Liability Coverage

There are other non-collision liability expenses and recreational challenges that you are likely to experience. They include floods, storms, fire, falling objects, theft, and vandalism. Your recreational vehicle insurance policy will cover all the repair expenses. 

Uninsured Motorists

Having RV insurance is very important because you will be protecting yourself against drivers who do not have insurance or money to cater to the liabilities they have caused. In this case, your recreational insurance will help cover hit-and-run incidences. 

Epic Insurance stands out in Lees Summit, MO, as a recreational insurance company. You can contact our recreational insurance experts for more details on this subject.

Three problems you can avoid by purchasing boat insurance in Missouri

As a boat owner in Lees Summit, MO, it’s important to invest in boat insurance coverage to avoid some costly problems. We sell boat insurance to Missouri boat owners at Epic Insurance.

Below are three examples of problems you can avoid if you invest in quality boat insurance coverage in Missouri. 

Losing your boat in an accident

If you carry a boat insurance policy with comprehensive and collision coverage, you will be compensated if your boat becomes damaged in an accident. You can even have your entire boat replaced if you carry replacement cost coverage.

If you don’t have any boat insurance, you will have to pay to repair your boat or replace it if it is destroyed. 

Going into debt over liability costs if you’re responsible for an accident

Perhaps one of the biggest reasons why you need boat insurance is to protect yourself against liability damages. If you are found responsible in an accident where others are injured or experience property damage, you will be expected to cover the resulting costs. 

Liability costs in such a situation could total hundreds of thousands of dollars or more. You could easily go into debt or be destroyed financially if you don’t carry liability coverage and you find yourself in this position. 

Having to pay to remove your boat from public waters

Another costly scenario is having your boat break down out on the water. You could be held responsible for removing your boat from public waters.

Salvaging a broken down or destroyed a boat and removing it from the water can be very expensive. Fortunately, you can include coverage for salvage and wreck removal on your boat insurance policy. 

Are you interested in learning about our boat insurance policies at Epic Insurance? Give us a call or visit our website to learn more about the insurance products we offer. 

Common Health Insurance Myths Exposed

Epic Insurance serves the Lees Summit, MO community, as well as the surrounding areas by offering residents multiple types of insurance coverage. We seek to help our clients find policies that will help them protect what matters most. As an independent agency, we have established successful partnerships with several carriers throughout the Midwest.

Common Health Insurance Myths Exposed

Health insurance is important because it allows you to have peace of mind if you are feeling ill or get injured. Health insurance covers your regular checkups and other types of preventative care. You are also covered if you seek emergency medical care and you are admitted to the hospital. The policy also covers you if your doctor prescribes some medicine to help you feel better. While you are assessing your options for health care in Missouri, avoid some of these common health insurance myths.

I’m Young So Coverage Isn’t Necessary 

This is a mistake, as you are never too young or healthy to take your health for granted. While you may be fine now, an accident can happen at any time. You have to prepare yourself. Health insurance provides a safety net in the event that something goes wrong in the future.

I’m Covered Anywhere

Most policies include a network. As part of your policy, you will have to find a primary care physician within the specified network. However, you may choose to alter your policy to see a physician outside of the preferred network. Do not automatically assume that you’ll be covered to see anyone in Lees Summit, MO at any time though.

I Can Rely On A Group Policy

Having your own policy is more beneficial because you can ensure that you will be covered regardless of the issue. Relying on a group policy could leave you unprotected.

Epic Insurance Will Help You Find Coverage

For more information on health insurance, visit our website today!

Does every business need commercial insurance?

Anyone that has a dream of owning a business and being their own boss should consider Lees Summit, MO as a place for opening and running the company. When you are in this area, you will enjoy the strong local population and economy. When starting a new company in this area of Missouri, it is important to assess the insurance needs that your business will have. 

Insurance is Mandated by Lenders and Investors

One reason that you will need to get a commercial insurance policy for your company is that it could be mandated by your lenders and investors. If you have ever taken out a loan or raised equity, the agreements you sign will likely have a provision that documents the type and level of coverage that you need to have. If you do not maintain this coverage going forward, you could be in default of the agreement and can jeopardize the professional relationship

Insurance is Needed to Protect Company

Another reason that you need to get a full commercial insurance policy is that it is needed to protect your company. If you intend to start your company, you will rely on its future financial viability. One way that you can ensure the future of your company is by getting a commercial insurance policy. With this coverage, you will protect all of your business assets and will also receive liability insurance coverage.

There are many great reasons to get a commercial insurance policy when you are in the Lees Summit, MO area. A great resource for your insurance needs is Epic Insurance. When you call Epic Insurance you will get to learn a lot about the advantages that insurance can provide to a small business and what protection is needed in your situation. 

Should I Change My Home Insurance When the Mortgage Is Paid?

You fully paid off your mortgage. Congratulations! That’s a major achievement, and it usually feels pretty good. Now that you’re free of the bank, you might want to change some things about the house and how you deal with it. It’s pretty common for people to rethink their home insurance at this juncture, and that’s not a bad idea. Here’s what Epic Insurance recommends to Lees Summit homeowners who have paid their mortgages.

Insurance Requirements

In order to get a mortgage, the lenders have certain rights, and included in that is the right to somewhat dictate your homeowner’s insurance requirements to you. They can require certain amounts of coverage, and they will always include it in the contract. This protects them from losses if something happens to damage the home.

When you are free and clear of your mortgage, those requirements go away. There is no longer a lien against your house, so no one has any say in your insurance policy except you. That means that you have an opportunity to explore new coverage options that may not have been acceptable to your lender.

Maintaining Coverage

While exploring new options might enable you to find a better overall policy for your situation, policy switching is something that requires a little diligence. You want to be sure that you are not creating coverage gaps. For many people, their home is the most valuable thing they own. You don’t want to leave it at risk by having a lapse in home insurance.

There’s a second thing to consider. Your lender set insurance minimum requirements because they were protecting their investments. They have spent a lot of time optimizing insurance requirements, so think carefully before you downgrade your total coverage.

Finding the perfect policy is a large task, but the agents at Epic Insurance can make it much easier. They know Lees Summit, MO, and what it takes to properly insure homes in the area.

Understanding Your Car Insurance Policy

Your car insurance is supposed to protect you from the possible impact of an accident on your finances and family members. Whether a collision is your fault or someone else’s, your car insurance will protect you from any financial liabilities. The right car insurance coverage will also protect you from other risks, thus providing you with peace of mind.

What Is Car Insurance?

Car insurance is a contract between you and an insurance company where you pay premiums in return for protection from financial liability in case of an accident or theft. Your policy document highlights the compensation and other terms of your contract in case such a risk occurs.

What Does Car Insurance Cover?

Basic car insurance from Epic Insurance, a mandatory requirement for motorists living in Lees Summit MO, covers the following:

  • Liability: protection against damages due to third party property damage or bodily injury to other people
  • Medical and funeral expenses: costs of drugs, treatment, medical procedures, rehabilitation, and funeral expenses in the case of an accident
  • Uninsured motorist coverage: reimbursement in case an uninsured or underinsured driver causes an accident.

Optional Car Insurance Policies Include:

  • Collision: compensation for car damage due to collision with an object or other car where you are at fault.
  • Comprehensive: coverage against theft and damage due to fires, floods, vandalism, hail, and other hazards
  • Glass coverage: offers compensation in case of the windscreen, side and rear windows, and sunroof damage.

You should know that car insurance does not apply to commercial vehicle usages, such as pizza delivery or transportation services like Uber or Lyft. You will need to take out a separate cover for such applications. Epic Insurance offers car insurance for motorists in Lees Summit, MO. Visit their website for more information.

Mistakes To Avoid While Researching Recreational Insurance Policies

Epic Insurance assists the Lees Summit, MO community, as well as the surrounding areas through offering multiple insurance policies. We are committed to providing excellent customer service while we ensure that our clients receive the insurance coverage that they are looking for.

Recreational Insurance

Missouri is home to many parks and campgrounds. As such, a large number of residents enjoy exploring the great outdoors in their recreational vehicles. If you have a recreational vehicle, it’s important that you protect your asset. Recreational insurance acts as a form of auto and home insurance. The policy covers the vehicle in the event that it is damaged due to a natural disaster or accident. The property inside of your RV, such as your clothing and electronics, is also covered in the event that it’s stolen. While you are researching different policies, be sure to avoid some of these common mistakes.

Neglecting Liability Coverage

Similar to auto insurance, liability coverage protects you in the event that your vehicle injures someone or is involved in an accident in which you may be held responsible. Do not forget to include liability coverage in your policy because you never know what can happen in the future.

Failing To Prepare For A Worst Case Scenario

As an owner of a recreational vehicle, you’ll likely embrace some of the risks that come with a traveling lifestyle. Make sure that your policy takes that into account. Add roadside assistance so that you’re covered in the event of a flat tire or engine failure. If you stop at a campground and experience an unfortunate situation, make sure that your RV policy includes the necessary protection.

Failing To Plan For Changes

If you decide to own a traditional home or vehicle in the future, don’t forget to amend your RV insurance policy.

Epic Insurance Will Assist You

Stop by our office in Lees Summit, MO and we will help you find the right recreational insurance policy.