What are the Reasons to Get Recreational Vehicle insurance in New Mexico?

Recreational vehicles are a great way to see the United States at your own pace. You can take the comforts of home with you and go on road trips to places you’ve always dreamed of visiting, without having to worry about finding lodging or restaurants. If you are considering getting a recreational vehicle that you want to drive in New Mexico, you will want to make sure that you get proper insurance coverage.

For example, if you are ready to hit the road and want to see the sites in such locations as Las Cruces, Albuquerque or Rio Rancho, you need to get coverage, whether you own your RV or are just renting it for a few weeks.

Just as you would get insurance for any other vehicle, insurance for your recreational vehicle is important to protect yourself in the event of damage to the RV or an injury to the driver or passengers.

If you are involved in an accident and the person who hit you is not covered, your insurance can cover damage to the RV itself, as well as to your personal property located inside the vehicle.

As many people, including retirees and those who are going on vacations take more items with them to make life on the road more comfortable, you will want recreational vehicle coverage to protect you against the damage or theft of items such as televisions, laptop computers, expensive kitchen equipment and any other amenities you’ve added.

When you are traveling in an unfamiliar area, your RV might unfortunately be subject to vandalism, which is another reason you will want to get recreational vehicle coverage. What’s more, your RV is subject to damage from bad weather, so you will want to make sure you are covered by damages caused by being in a storm.

Contact your independent agent for assistance in setting up the proper coverage for your RV, camper or motorhome before you embark on your next trip.

Albuquerque, New Mexico Business Insurance Requirements

Small business owners have the responsibility of running a business that is successful at providing services to customers. Owner’s with employees also have to take great care to provide insurance to help protect the worker and the corporation from having a large financial loss. In order to operate a commercial business in Albuquerque, New Mexico it will be necessary to meet the requirements that the state has for insurance policy coverage.

Different Types of Business Insurance You May Need

  • One type of insurance you will want to look into having is unemployment insurance tax. In the state a business will face a tax increase after being in operation for four years. The business must come up with the new tax rate and pay it. If the business fails to pay, then there are penalties for not paying the tax.
  • Another type of insurance that a company must have is worker’s compensation insurance. This type of insurance covers a worker if they are ever hurt while working. It covers medical bills and any lost wages that they may face. The company will also have protection from being sued by the employee and suffering a major financial loss.
  • Liability insurance is another type of product that a company would need to have. Any time a person is hurt on the premises of your business you can be held liable for any injuries that they sustain. The hurt customer can actually sue for damages which can leave your business in ruins. Liability insurance can cover all the damages from the lawsuit and keep you in business.

If you are a business owner and have questions about your insurance needs, then you need to contact an independent agent today. They can help you put your company on the right track regarding your insurance needs.

How can I determine how much renters insurance I need in Las Cruces, NM?

Renters insurance coverage costs only pennies a day and will cover thousands of dollars in possessions in the event your possessions are destroyed by weather, fire and or a break in. It does not make any difference if you live in Las Cruces, New Mexico area or Timbuktu; it is unwise not to have renter’s insurance.

Let’s just say that if you lost all your possessions tomorrow would you have the money out of pocket to replace everything? This is why renters insurance is so very important. If you have special high value items such as diamonds and furs then let our insurance company know, because you may have to put special insurance on these items, and we want your possessions covered, should you lose everything tomorrow.

The process by which renter’s insurance is determined is easy. Go from room to room in your dwelling and make a list of all possessions. Take pictures of the more expensive items. Estimate the date the items were bought and the cost and add these to the list. If you have a receipt, include this with the information. Your possessions are no doubt worth more than you think. Keep these photos and information off property and out of the dwelling. A bank safety deposit box is an ideal place to store your information. This information will be invaluable to you and our insurance company should you need to file a claim for lost possessions while residing in Las Cruces, New Mexico.

Another reason why this policy is so important is that in this day and age people are lawsuit crazy. If someone should file a lawsuit against you because they were injured on your property, the lawsuit would possibly take all possessions including all assets such as savings accounts, should the person win their case.

Renters should also consider insurance for identity theft in their renter’s policy. Identity theft is running rampant in today’s society, be smart and be covered.

Don’t think for a minute that your landlord will cover your losses, because they won’t. They will have insurance on the dwelling should it be destroyed, but not the contents or liability. Be sure to call your independent insurance agent in Las Cruces, New Mexico today for coverage and don’t put it off one more day. No one knows what the future holds.

Tips for Driving Safely in Snow in El Paso, Texas and Surrounding Areas

Driving safely in the snow can be especially challenging for drivers in El Paso, Texas and Las Cruces, New Mexico. Because snowfall is less frequent in these cities, drivers are less prepared to drive in inclement weather, increasing the chance for accidents. El Paso and Las Cruces drivers should keep the following tips in minds when driving in the snow.

Drive Slowly

Since many local residents and visitors don’t expect snow, they are often less familiar with winter driving techniques. It is important to keep your defensive driving skills in mind when you are driving on a snowy day. You should drive slowly and double the distance between your car and other cars on the road. This will ensure that you have plenty of time to respond to sudden accidents ahead.

Beware the Ice

Even if the roads seem clear, it is possible that black ice has formed on the ground. To avoid sliding and losing control of your vehicle, always anticipate ice and avoid making sudden turns. It is especially important to observe the behavior of the auto in front of you. If you notice a car ahead losing control, give yourself plenty of time to gradually press the brakes and come to a stop.

Be Prepared

Because El Paso and Las Cruces are prone to snow flurries, low visibility is the biggest hazard that winter drivers face. Unfortunately, there is not much that you can do if your windshield wipers are in poor working condition while you are on the road. It is important to change worn out blades and periodically maintain your windshield wipers to prepare for winter driving.

While it is never a good idea to let your auto insurance lapse, it is especially important to make sure your coverage is up-to-date during the winter. Snowy driving conditions increase the likelihood of collision, even when you’re driving carefully and doing everything right.

Make sure that you are prepared for winter driving. Your independent agent can make sure you have adequate coverage and point you to resources for safe winter driving.

How to Prepare for Driving in Bad Weather before You Hit the Road in New Mexico

Precipitation levels are relatively low in New Mexico, to be sure, but if you’re driving in Albuquerque, Rio Rancho, or Las Cruces, it’s wise to prepare for bad weather that could come up suddenly.

  • Make sure your insurance is up-to-date
  • Make sure you have your independent agent’s phone number handy

You can call the number on the back of your insurance card, to be sure, and your insurance company may have a policy whereby they’ll want you to contact the company directly instead of contacting your agent personally. However, it’s wise to have your agent’s phone number handy as well, so that you can contact him or her in the event you need to while you’re on the road.

  • Make sure your car is in good repair

If you haven’t recently, take your car into a mechanic and have him or her check its condition. Make sure the tires are in good repair and are inflated properly; if they’re worn at all, replace them.

Check and replace windshield wipers if necessary, and make sure your headlights are fully operational and properly positioned. Make sure the battery is fully charged (and holding that charge), and that your car’s antifreeze and windshield wiper fluid levels are appropriate.

What to have with you:

If you get stuck or stalled in cold or bad weather, it’s wise to have certain things with you both to help you get out of the situation and keep you safe if you need to wait for help:

  • Clean kitty litter

Plain old clean clay kitty litter is great for traction if you need it. If you get stuck, simply pour kitty litter around the tires for extra traction.

  • Extra clothes, water and food

It’s important have extra clothes, water and food in the event your car stalls and you get stranded. Carrying extra blankets for chilly temperatures at night are also a good idea.

  • Your cell phone, fully charged

Having a cell phone is almost ubiquitous these days, but if you don’t usually carry one, make sure you have one on you before you take to the road. You’ll need it to call for assistance.