Will Your Auto Insurance Repair Your Car?

Lees Summit, MO residents are no strangers to car accidents. If your car suffers damage in an accident, you may think your insurance policy will kick in to help cover repairs. Most basic insurance policies don’t cover repairs. If they do, they may only cover very limited circumstances. Here’s a look at how car insurance works when it comes to repair.

Know Your Policy

Don’t assume your car insurance policy will cover damage of any sort. You should know precisely what your auto insurance covers and what it doesn’t. Many people only have liability coverage. Liability will only cover damage to the other person’s car or injuries to their body.

Collision and Comprehensive Coverage

You typically need optional coverage for things like car repair. Your policy may already have a limited amount of collision or comprehensive coverage, but that may not cover your car for severe damage or a total loss.

Optional collision coverage will cover repairs to your vehicle or replace it. Comprehensive coverage will kick in if something outside of your control damages your vehicle. This can include things like fires, storms, and vandalism.

If you’re not sure if your policy already has some form of collision or comprehensive coverage, then ask your insurer, or contact Epic Insurance. You may find you have none at all. If that’s the case, you should certainly consider adding this additional coverage to your policy.

In cases where you’re still making payments on your car, the lender may require you to have collision and comprehensive coverage. Occasionally, such as with older cars, this type of coverage isn’t always necessary. For example, if you own a vehicle you can easily replace out-of-pocket, then paying for the extra coverage may not seem feasible.

Everybody’s requirements differ in Lees Summit, MO. Because of that, it’s best to contact Epic Insurance today about the possibility of adding additional coverage.

Teens and Car Insurance Pricing

There are lots of things in life that seem unfair, and car insurance pricing is one of them when it comes to teens. Hands down, male teenage drivers are going to cost more on average to insure than female teen drivers in Lees Summit, MO and elsewhere. It is it a conspiracy against male teens? Not quite. Remember, insurance is about risk. An insurance provider offers protection from risk for a price. If the likelihood of that risk occurring is high, then the insurance to protect against it is going to be more expensive as well. While the cost won’t be the actual expense of the risk occurring (otherwise what would be the point of having insurance anyway) due to pooling customers together in a larger risk pool, higher risk customers create less profit for an insurer. So, to overcome this problem, higher risk accounts pay more than those who are safer, older drivers with experience, according to Epic Insurance.

So why are male teens considered a higher risk? A lot of it has to do with that age-old practice of dating. Male teens have a well-known streak of being competitive and interested in finding a partner at some point in their young years. And that means they will engage in behavior to impress, to compete for a favor, or to entertain to get a date. That also means male teens are more prone to do unsafe things than female teens, particular with a car, to meet the objectives of the above. Ergo, they then become a higher risk for accidents, car damage, and similar things that cause an insurance policy to realize a claim. That said, there are ways to find more affordable policies even for a male teen driver. The folks at Epic Insurance can help, being able to produce coverage products for all types of insurance needs, including Lees Summit, MO teenagers.

 

 

How to Avoid Road Rage Incidents

Missouri motorists may experience road rage when people drive aggressively or make mistakes. This behavior sometimes results in traffic accidents, fights and even gun violence. It’s crucial to learn how to avoid excessive anger and react to unruly drivers in a safe way. The right approach could save your life.

Signs

When road rage begins, people often make angry comments about fellow motorists or think about hurting them. They might try to punish other drivers by passing them before slowing down. Other symptoms include frequent horn use, headlight flashing and tailgating. It’s important to avoid such actions and use caution around motorists who exhibit this behavior.

Causes

Regardless of who committed the first traffic violation, road rage is usually brought about by certain types of conduct. Common triggers include yelling, obscene gestures and incessant lane changes. It could also occur when someone insists on driving too fast or slow. Such behavior may cause angry outbursts in people who are already under stress.

Prevention

To avoid road rage, concentrate on safety rather than being right or "winning." Remember that you can’t read other drivers’ minds. There are several possible reasons for seemingly aggressive driving, such as inexperience, a demanding boss or a medical emergency.

Be Careful

Always do your best to follow all traffic rules. Don’t drink alcohol, send text messages or turn without signaling. Leave plenty of room between your vehicle and other cars. If possible, depart early so you won’t need to hurry. This will help you avoid provoking other motorists or becoming angry too easily.

When you can’t stop road rage from causing an accident, it’s vital to have adequate insurance. The experienced agents at Epic Insurance will help you find the right coverage or review your existing policy to ensure it offers suitable protection.
 

Safety Tips for ATV Riding

Riding an ATV can be an extremely fun experience, especially the more familiar you are with driving it. You will find that ATVs are able to explore much of nature that you can’t explore when riding in a car or truck. And while having fun on an ATV is most definitely one of the best ways to enjoy pleasure and bond with those you ride with, it must be remembered that there are many safety tips to follow to make sure you don’t have an accident. Here’s a quick look at two tips you can follow to optimize safety for first-time riders and steer clear of ATV accidents. 

Go Slow at First

As with anything in life, the more you do it, the better you become. With ATV riding, this is essential to the safety-side of riding. You need to start out slow at first — in relation to both your speed and and willingness to travel on terrain that you are unfamiliar with. It’s with a simple ATV machine that you will enjoy learning to ride, and as you become more advanced, so can your ATVs. 

Don’t Forget to File the Paperwork

Don’t forget to file your paperwork for your ATV. Just the same as with a car or truck, ATVs should be registered and information needs to be in a database. If an accident were to take place, the paperwork can be used to file claims with your insurance company. Without registration, you may find that you are unable to ride on public trails. In fact, even with registration you may have to pay a fee to acquire access to these fun ATV routes. The U.S. Forest Service, an agency working for the federal government, has seasonal passes available that help off-roaders save money.

Would you like to learn more about staying safe when riding your ATV? If so, contact Epic Insurance today. 

Am I Covered Against a Hit-and-Run Driver? 3 Facts

Were you recently involved in an accident where the other driver left the scene? Or did you come out of your home or office to find that an unknown driver has damaged your parked vehicle? Either way, having the right level of insurance coverage is crucial to being able to repair your car during a hit-and-run situation. Here are three facts you need to know.

Your Policy Does Cover You Against Hit-and-Run Drivers

It is important to first note that your Missouri auto insurance policy does protect you against hit-and-run drivers—but you have to have the right type of coverage listed as part of your contract. Collision works to pay for your vehicle’s repairs, regardless of who is at-fault. However, this coverage is optional, meaning you have to add it at the time you purchase the policy for it to cover a hit-and-run accident.

Another important fact to consider is that those who utilize their collision coverage to pay for damage due to a hit-and-run incident will still be responsible for their deductible. This amount is paid directly to the body shop when repairs are complete.

You Could Possibly Get Your Deductible Back

If the other driver is ever found, most carriers will either bill the person directly or their insurance company for damages through a process called subrogation. As a courtesy, many insurance companies will try to recoup your deductible back for you during that time, but it is never a guarantee. So, there is a chance for you to get your money back—even though the chances are slim.

Having the Right Optional Coverages is Crucial

It is also vital to have the right optional coverages on your policy to make dealing with a hit-and-run incident easier. Rental reimbursement comes in handy by providing temporary transportation while your vehicle is under repair, while medical payments coverage could help take care of any healthcare costs associated with an injury.

Find out more about how auto insurance protects you from hit-and-run drivers. Please contact us today at Epic Insurance for a no-obligation policy review.

How You Can Get Ready to Drive Abroad

There is a lot that you can do in order to get ready for driving abroad. You may already have your ticket booked and your rental car reserved. This is a start, but you also want to anticipate driving in a foreign country.

Permits

The driver’s license that you have for the state of Missouri may not be sufficient based upon where you are traveling. The rental car company will tell you what you need. There may be the need to obtain an International Driving Permit, which can be obtained from an auto club for a small fee. This will translate your license into different languages.

GPS

A GPS with the necessary international maps loaded can ensure that you know how to get to everywhere you want to go. It’s better to have a separate unit as opposed to one built into your smart phone, so that you don’t have to worry about any kind of roaming charges. It may also be advantageous to have some paper maps in case your GPS goes down.

Insurance

Insurance should be obtained, either from your credit card company, rental car company, or elsewhere. This ensures you can file a claim in the event of an accident or other issue.

Road Rules

You may be driving on the “wrong” side of the road and there may be other rules to know about in the country you are driving in. Familiarize yourself with road signs, unusual laws, and everything else. This will provide you with more confidence and prevent getting pulled over for breaking a law that you were unaware of.

Whether you are driving abroad or driving in Missouri, you want to be safe. Call now and one of our independent agents at Epic Insurance can talk to you more about auto insurance coverage, quotes, and more.

 

 

Go On A Road Trip Without Breaking The Bank

When you live in Missouri, there may be various places that you want to go on a road trip. While driving can be considerably cheaper than airfare, it can still add up to a pretty penny. There are some tips that you can follow to go on the road trip of a lifetime without breaking the bank. This will allow you to load up friends or family into the car and go on an adventure.

Know Your Apps

There are various mobile apps that you can download to your smartphone or tablet. This can help you with many different aspects of your road trip. Depending upon the apps that you download, you can get help with:

  • Finding lowest prices at gas stations
  • Finding cheapest rates at hotels and motels
  • Planning your trip
  • Locating entertainment
  • Getting directions

Pack Your Food

You can save a lot of money by packing your own food. This will eliminate your dependency on convenience stores and fast food restaurants. You may want to pack a cooler with drinks, sandwiches, and healthy snacks. As you pass grocery stores along the trip, you can go inside to stock up on more items.

Camp Your Way Through

Instead of spending money on hotels and motels, you can pack a tent in the car. This will allow you to camp at various campsites around the country and be a little more adventurous as well. Many campsites have plenty of modern amenities, including showers, game rooms, and much more.

When you want to find a policy in Lees Summit, call and talk to one of our agents. At Epic Insurance LLC, we are here to get you quotes, answer questions, and find a policy that you can rely on in Missouri.

 

 

4 Ways The Best Agents Can Help With Car Insurance

Raytown, MO is a part of the Kansas City metropolitan area and is inside of Jackson County. Residents of Raytown enjoy the bustling economy, a variety of events throughout the year, and many forms of recreation. There is a lot of shopping in the area and businesses have a number of incentives, which helps the economy even further.

When you’re shopping for car insurance, it’s important to know what the best agents can help with.

Coverage Options

You have all sorts of coverage options and the best agents can help you to decide what you actually need in Raytown. This includes the liability coverage limits, comprehensive and collision coverage, and all of the other ways to protect your car – even when you’re not behind the wheel. This ensures when something happens, you can file a claim and be confident that it will be paid by the insurance company.

Various Insurance Companies

There are many insurance companies and as independent agents, we will help you to find a good company that is also reliable. We will help you to learn of the options and show you which companies offer which things.

Quotes

We can provide you with quotes so you know how much it’s going to cost to get a policy. You need to meet the minimum liability requirements in MO but there may be other options that you have added. We can make sure you get the best possible price to avoid overpaying.

Answering Questions

Do you need comprehensive insurance? How much liability insurance should you get? Are all of your discounts included within a policy? You likely have questions when shopping for car insurance in the 64129 area and the best agents can help you with them all.

Contact us today and let one of our agents help you!

 

Car Insurance: How A Learner’s Permit Impacts The Policy

Lee’s Summit, MO is an active area within the Kansas City metropolitan. It is home to more than 90,000 residents and it has been named as one of the top 100 cities in the US. There are many festivals throughout the year for residents and tourists alike. There’s a booming economy and a variety of businesses to choose from.

When one of your children get their learner’s permit in Lee’s Summit, it’s important to know how it’s going to affect your car insurance policy. The cost of the policy is likely going to go up and that’s because the insurance company is going to assume more risk. A student driver doesn’t have the experience behind the wheel and their reaction times are not developed. This can lead to more accidents.

A learner’s permit doesn’t have to be an expensive addition to your car insurance policy. You will still have to meet the minimum requirements that MO requires, though you may also want to consider increasing the coverage.

The reason you may want to increase the liability coverage is to protect you financially in the event of an accident. If there is more property damage or people are severely injured, you want the car insurance policy in Lee’s Summit to cover it all, instead of coming out of your pocket.

We have agents to help you understand the true financial impact of a learner’s permit. We will get quotes for you to make comparisons and find a company that’s going to provide the necessary coverage at a price you can afford. This ensures your policy doesn’t become too expensive just because your child has obtained his or her permit.

Contact us today and let us begin working with you on coverage and getting quotes for car insurance.

 

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