Required Vs. Optional Auto Insurance

Liability insurance for automobiles is required of Lees Summit, MO drivers; however, there are optional coverage options as well.  Liability insurance covers the insured person’s responsibilities when they cause injuries or damage to the property of others. Should you be in an accident with an uninsured driver then required insurance will protect you as well.  Liability insurance provides coverage for costs related to injuries or death the insured may cause while driving the vehicle.

Insurance will also reimburse others for damages the insured may cause to another vehicle or property. While liability insurance is required it does not cover damage to the insured’s person’s car should it be damaged.  There is optional coverage available to drivers to protect their own vehicles against accidents, theft, and even windshields. Lees Summit’s Epic Insurance agents will help drivers decide what coverage might work for their situation. Optional collision insurance will reimburse drivers for damage to their own vehicle after a collision with another vehicle or object.  Comprehensive coverage will protect drivers against theft and damage caused by an accident such as fire, flood, hail, or even fallen trees. Some drivers may opt to purchase glass coverage for their vehicles as well. This optional insurance will help with replacing windshields or other windows damaged by collisions or other types of damages like falling tree branches or rocks. 

Drivers should carefully consider the types of insurance that are required as well as optional policies that may be available as well. Epic Insurance, located in Lees Summit, MO, is here to help drivers understand the difference between required and optional insurance coverage for your automobile by either visiting an office in person or visiting our website.  

What Is Recreational Insurance?

Recreational insurance is the insurance that you purchase for your recreational vehicle. This insurance is a little difficult to understand because some types of homeowners’ insurance coverage have provisions for recreational vehicles. Also, some auto insurance policies have coverage for recreational vehicles. This is because RVs combine the features of a home with the features of a vehicle.

Here are the five major types of recreational insurance coverage.

  • Personal Injury Protection
  • Comprehensive Damages
  • Property Damage
  • Bodily Injury Liability
  • Uninsured Motorist Coverage
  • Umbrella Insurance

Personal Injury Protection

As its name implies, this recreational insurance coverage compensates you for the injury you sustain in an accident that has been established to have been caused by you. This policy refunds your medical bills.

Comprehensive Damages

In case your RV gets vandalized, stolen, or burnt, this coverage will either fix it for you, or replace it completely. This coverage is not mandatory but it is necessary because an RV is a huge investment, it should be protected.

Property Damage

This coverage will fix the third party’s property if you damage it with your recreational vehicle. You could mistakenly run into a vehicle (stationary or in motion), or you could miscalculate and run your RV into someone’s fence. Also, it is possible for a guest in your motor-home to fall and get his phone damaged. This coverage will fix the damaged property in all the situations.

Bodily Injury Liability

If you cause an accident while driving your recreational vehicle or you mistakenly run into another vehicle, and people get injured as a result of your negligence or mistake, this coverage will pay their medical bills.

Uninsured Motorist Coverage

It is possible for an uninsured driver to hit your recreational camper. This coverage will fix your vehicle.

Umbrella Insurance

Every type of insurance coverage has a financial limit. If your coverage reaches its limit and still does not cover the full payment, umbrella insurance coverage will pay the rest.

For more information, call Epic Insurance in Lees Summit MO.

 

Important questions to ask when purchasing a boat insurance policy

As a boat owner in the Lees Summit, MO area, it is critical that you ask the right questions before purchasing a boat insurance policy to make sure you have the right types of coverage. While boat insurance is not mandatory, it is critical that you consider buying it, so you do not end up paying out-of-pocket after an accident.  An agent at Epic Insurance would be happy to answer all your questions about boat insurance. 

Should I get agreed to value or actual cash value?

Deciding on the amount you want to insure your boat for is a critical decision. Actual cash value takes into consideration depreciation when paying out a claim, so as your boat gets older, it will be worth less and less from an insurance perspective. Agreed to value is a predetermined amount that you agree with the insurance carrier on in advance. If you purchase an agreed value policy and end up upgrading your boat substantially, you should have the amount adjusted. 

How far offshore can I take my boat and still be covered?

Each insurance carrier will have a certain distance you can take your boat offshore and still be covered. It is critical that you know what your policy allows for before taking your boat out. 

What is my insurance carrier rating? 

Purchasing an insurance policy through an insurance company with a good rating is essential. The higher the rating indicates the insurance company is financially sound and will be around in the event, you need to file a claim. 

Are my personal belongings on the boat covered?

Policies do not automatically cover personal property on the boat. If having your personal property covered is essential, we can add coverage to the policy through an endorsement. 

If you are interested in learning more about boat insurance, reach out to an agent at Epic Insurance today. We proudly serve the Lees Summit, MO area.

Why do I need to have health insurance?

Most consumers in the Lees Summit, MO area have a variety of personal insurance needs. The most important form of insurance overall could be having health insurance. While health insurance is confusing and can seem challenging to access, there are several reasons why someone needs to have health insurance at all times. 

Helps to Promote Good Health

The main reason why you need to have health insurance is that it helps to promote good health. When you have a good health insurance policy, you will be able to see a doctor and another specialist when you need to. This will ensure that you are able to stay on top of your health and address concerns when they come about. Further, you will have access to affordable care and prescription medication. 

Required by Law

Over the past few years, it has also become a legal requirement to have health insurance. Today, there are many different health insurance options available to people, many of which come with subsidized and more affordable insurance rates. If you do not have evidence of health insurance at any time of the year, you could face a penalty at tax time. 

There are many important reasons why everyone should have health insurance coverage at all times. For those that are in the Lees Summit, MO area and need health insurance, speaking with the insurance professionals at Epic Insurance is a great way to start. Epic Insurance can help you to identify all of your health insurance options and work with you to figure out which option is best. This will ensure that you are able to get into a good policy that properly protects you and your dependents. 

 

Why Commercial Insurance Is So Important

A Lees Summit, MO business owner has a number of risks that they are going to need to account for. Employees can become injured on the job. Natural disasters may take place. Dissatisfied clients could decide to file suit, leaving the business scrambling in search of solutions.

For these reasons (and more), commercial insurance is of the utmost importance. Protection of assets is crucial. For starters, a Missouri business is not always required to obtain commercial insurance by law. Meanwhile, employees need workers compensation insurance and this is mandatory. 

Coverage is required for any business that has five employees or more and any business that relies on company automobiles must also obtain the required auto insurance. 

Commercial liability coverage must remain sufficient. Since Missouri is a pure comparative negligence fault state, the insurance adjuster is going to be responsible for deciding who is at fault. While a business does not necessarily have to purchase insurance, the insurance adjuster is not going to look upon these businesses as kindly.

Every business is unique and will need to meet with Epic Insurance to find out more about their options. A commercial insurance policy that works wonder for one company may not provide another with the protection that they need. Business owners should not be relying on the law to tell them what to do in these instances.

After all, assets are not going to protect themselves and all it takes is one lawsuit to leave a business in shambles. Commercial insurance is key, as it allows a business to remain up and running in the wake of a natural disaster or an untimely lawsuit. 

Any Lees Summit, MO business owner that is looking to protect their most pivotal assets must make sure to perform their due diligence. Visit the Epic Insurance website today to find out more about the benefits of a commercial insurance policy. 

Make Sure Your Home Policy Keeps Up with Your House’s Appreciation

Our homes are very likely to be the largest financial investment that we make in our lifetimes. It only makes sense to protect it! If you have owned your family home for a long time it has hopefully increased in value. Because of this fact, it’s important to make sure that your home policy is keeping up with the appreciation. Residents in the greater Lees Summit, MO area can rely on the team at Epic Insurance to help them review their homeowner’s policy for completeness.

Is Your Home Policy Lagging Behind Your House’s Value?

Many people research their insurance policies when they make an initial purchase and then think little about it going forward. The same is true of our homeowner’s policy, even though the value of our house may increase significantly over time. Unfortunately, this can mean that your family home is underinsured. Too many people find out after it’s too late that they do not have the proper level of insurance. Don’t let this happen to you! Reviewing your policy on an annual basis to make sure that it is keeping pace with the value of your home is a smart idea and one that you should put into practice. This is doubly true if you have conducted a major renovation, such as a kitchen update or room addition. Your home insurance policy is an important part of taking care of your home and protecting your family’s current lifestyle.

Now is a perfect time to make sure that your home policy is complete and up to date. Don’t let the increased value of your home go unprotected! If you are in the greater Lees Summit, MO area, call or stop by Epic Insurance today to learn more!

How to Stay Focused While Driving

Distracted driving is one of the most dangerous and deadly activities on the road. You certainly want to stay safe and focused while driving. With that in mind, follow these tips, courtesy of Epic Insurance serving Lees Summit, MO.

Put the phone away

Do not even have your phone out while you are driving. And certainly never use it while driving. If you do need to use it, pull over to the side of the road, park and be in a parked position before ever using your phone. Disaster can strike even in a few seconds of using a phone while behind the wheel.

Map ahead of time

Trying to map out a trip, even a short one, and trying to coordinate all that while you are driving is essentially impossible and very risky. Instead, map out your route before you even start the car. You might find yourself feeling much more relaxed.

Avoid other distractions

Keep in mind that there are many distractions other than phones. Avoid all of those too. They can include changing the radio station, having conversations with passengers or trying to snack while driving.

Don’t drive while tired

Driving while you’re tired can be extremely dangerous. if driving at night makes you sleepy, only drive when it’s daylight outside. Pace yourself, and only drive for short periods of time at a stretch. Make sure you have had a good night’s sleep whenever you drive, especially when you are going to be driving long distances several days in a row.

You want to do everything in your power to keep yourself, your passengers and passengers in other vehicles as safe as possible. So implement these steps, and notice what a difference that makes. Safe Traveling!

Myths About Recreational Vehicle Coverage

Driving a recreational vehicle, or RV, can be thrilling and fun. But myths abound around coverage for your RV, and how they’re covered can change state to state. 

Myth #1: My Car Insurance Will Cover My RV

This seems to be one of the biggest and most widespread myths about RV insurance: your normal car insurance will cover your RV. Unfortunately, this is untrue: not only do most automobile policies don’t cover your personal items, but they also usually do not include the necessary liability insurance that you’ll need when your recreational vehicle is parked and being used as your residence. 

Additionally, most auto coverage doesn’t include any accessories, such as satellite dishes, roof-top air conditioners, or awnings. Talk to a Lees Summit, MO insurance specialist to find out what insurance you need for your RV.

Myth #2: All RVs Need The Same Coverage / All RVs Are The Same

This is a two-part myth that goes hand in hand. First, not all RVs are the same: Towable RVs are not operated as motor vehicles, so they don’t require separate auto insurance. However, other types of motorhomes do require their own, separate auto insurance policy. 

Additionally, if you tow a trailer on your motorhome, it could be covered by your vehicle’s liability insurance policy, but once you park, it might not be. 

Second, not all RV insurance is equal: some policies will cover your entire recreational vehicle, while others will not.  A professional insurance agent at Epic Insurance in Lees Summit, MO will be able to help you figure out exactly what you need for your RV.

Myth #3: My Regular Homeowners Insurance Will Cover My RV Personal Property

Don’t get caught in a situation where you’re facing major losses: Homeowners insurance doesn’t cover most RV personal property. Not only do most homeowners insurance policies have a high deductible, but many have very strict requirements about what can be covered when you are not on the premises. 

Epic Insurance agents will be able to customize the right policy for you and your RV.

3 Things to Know Before Purchasing Boat Insurance

One of the most important tasks for boat owners, purchasing boat insurance is important for a variety of reasons. No matter what type of boat you own, purchasing boat insurance is a vital component to owning and maintaining a boat in Lees Summit, MO. That said, the following is a list of 3 things you should know before purchasing boat insurance.

Coverage Options

Before purchasing boat insurance, you should understand that there are various coverage options. For instance, your boat could be covered while in the water only, while in the water and other specific places, or anywhere you go. Be mindful of this when you are selecting a plan and make sure the plan you select is in line with your personal coverage needs.

Agreed vs. Market Value

When it comes to purchasing a boat insurance policy, you can purchase one with an agreed value or market value. On the one hand, an "agreed value" policy will provide you with an agreed-upon sum, in the event that your boat is totaled. On the other hand, a "market value" policy will only give you the depreciated amount.

Are you Eligible for Discounts?

Last but not least, you need to find out if you are eligible for discounts. Although insurance providers do their best to give each customer the best rates, they are not guaranteed to be aware of every discount available to you. Be sure to take the time to research the available discounts as well as whether you qualify, before purchasing the policy.

Overall, when purchasing boat insurance, there are many things to consider. Either way, Epic Insurance is here to serve you. Simply call, email, or stop by the Epic Insurance office in Lees Summit, MO, to get a quote and start your policy as soon as possible.

5 Tips For Lees Summit Residents To Stay Healthy This Summer

Warmer weather is here, and it’s natural to feel a little bit self-conscious about going to the pool or slipping into a pair of shorts. While vanity is an understandable reason to want to change some of your habits, it’s important to focus on health as the core goal of behavioral change. At Epic Insurance, serving Lees Summit, MO, we care about your health. Follow these tips to stay healthy this summer- and maybe feel a little bit more confident in your swimsuit. 

– Get outside in the early morning or evening hours. Beat the heat and stay active by getting active outside before and after the sun is at its worst.

– Hydrate. Go drink a glass of water- now! Repeat every 2-3 hours.

– Get the family involved. Play a quick game of basketball, invite your spouse out for a walk, or simply go to the farmers market together.

– Stay active on vacation. You might not want to hit up a Zumba class while you’re at the beach, but the doesn’t mean you should lay on a towel all day! Toss a baseball with your kids, get out for a walk on the boardwalk, or go for a hike. 

– Enjoy local, in-season produce.   When fruits and veggies have to travel thousands of miles to get to the grocery store, their nutrient content drops. By eating local, you’re getting foods at the height of freshness.

Of course, an important part of staying healthy is having great insurance coverage. Stop into Epic Insurance, serving Lees Summit, MO, to talk about our health insurance policies for you and your family today.