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Will Recreational Vehicle Insurance Cover Bodily Injury?

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Recreational vehicle insurance in Negaunee, MI, is designed to provide protection for your recreational vehicles. They usually can’t be added to an auto policy, but recreational vehicle insurance can work in a similar manner. 

Bodily Injury

Recreational vehicle policies may not automatically include bodily injury coverage like auto policies. It’s important to ask your agent at U.P. Insurance Agency Inc. whether bodily injury is included in every policy. If it isn’t, you can opt for bodily injury coverage or MedPay, which can help cover medical expenses. 

General Liability Coverage

General liability coverage usually covers bodily injury. It provides the same liability coverage that most auto policies do: property damage for the other person if you’re at fault and bodily injury for the other person if they are injured in an accident. However, this doesn’t cover property damage to your vehicle or bodily injury coverage for you or your passengers. 

It’s essential to ensure you have bodily injury coverage for yourself and passengers. Passengers who are in an accident can sue the person who’s at fault. This is common if they don’t have medical insurance to pay for the medical bills. You may be able to get additional bodily injury coverage alongside your liability coverage to ensure your injuries and those of your passengers are covered. 

Full Coverage

Full coverage is usually recommended. It covers medical bills and property damage, no matter who’s at fault, including damage to your property. Many policies include coverage for theft and damage from natural disasters. 

At U.P. Insurance Agency Inc., we understand the importance of making sure you’re covered so you can enjoy your recreational vehicle worry-free. Our agents will discuss your needs with you to make sure you have what you need. Contact us. We’re currently serving the Negaunee, MI, area. 

 

Can You Get Renters Insurance If You Rent A Room?

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Ensuring your personal belongings are protected in case of an emergency is crucial. Homeowners typically have a home policy to cover this. Many people who rent a house or apartment in Negaunee, MI, obtain renters’ insurance. But what if you’re renting a room?

Property Protection

You can also obtain a policy if you’re renting a room. It may even be more affordable because you only need coverage for your personal belongings rather than the entire house. An agent at U.P. Insurance Agency Inc. can help you learn more.

Personal Policy

It’s possible to get your own policy instead of sharing one with roommates. A personal policy is typically recommended. Sharing a policy can result in your monthly premium increasing if your roommate files a claim. It can also be more expensive because you’ll need coverage for everything in the house.

Common Exclusions

It’s important to remember that every type of insurance typically comes with exclusions. For example, some companies specifically state they do not cover damage caused by pets. Many insurance policies won’t cover damage caused by someone else living in the house unless you file a police report and press charges.

Most policies will not cover anything that isn’t yours. For instance, if you have a personal policy and someone robs the house, the company will not reimburse you for your roommate’s belongings. However, many companies make an exception if you’re related to other people living in the home. This small loophole can be used if you’re living with family members or if your children’s belongings are stolen.

We understand the importance of obtaining coverage when living with someone else. Professional agents at U.P. Insurance Agency Inc. can help you learn everything you need to know. Contact us today to learn more. We proudly serve the Negaunee, MI area.

Getting Insurance for Your Customized or Modified Vehicle

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Customizing your vehicle allows you to make it an extension of your personality. It requires a lot of work and aftermarket parts to get your car into a condition that you can enjoy to the fullest. However, if your car gets damaged or stolen, your insurance typically won’t cover the replacement costs of your modifications. At U.P. Insurance Agency Inc. in Negaunee, MI, we can help you get your customized vehicle covered against calamity. Here’s how it works.

Why Insurance Won’t Cover Custom Work or Modifications

As a general rule, a standard auto insurance policy only covers the original parts of the vehicle. Anything you added to the car that isn’t standard for the car is not considered original. In the event of an accident, the insurer only replaces the stock parts. You would have to pay out-of-pocket for any modifications you make, including custom seats, exhaust pipes, or other modifications.

Getting Your Custom Work and Mods Insured

You can get extra insurance designed to cover the work you’ve done to your vehicle. A policy that covers customizations and modifications is available from major and specialty insurance companies. It’s worth noting that this type of insurance may require you to provide detailed information about the work you’ve done. The effort is worth it because it protects your investment and makes it easier to restore your vehicle to your preferred configuration.

Make Sure Your Hard Work is Protected Against Damage

At U.P. Insurance Agency Inc. in Negaunee, MI, we understand the effort that goes into customizing a vehicle. That’s why we’re here to help you get an insurance policy that covers the non-stock parts you’ve installed. Give us a call today to learn more about coverage for your customized vehicle.

Why Home Insurance Comes With Liability Coverage

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Home insurance provides homeowners with various types of protection, each serving an important purpose. One key component of a home insurance policy is liability protection. While many homeowners may not think much about it, liability coverage is crucial to have in place in case it’s ever needed. If you’re buying a home or switching to a new home insurance policy, we can help. Contact U.P. Insurance Agency Inc. in Negaunee, MI today.

Liability for Accidents

When you invite someone into your home, you are responsible for their safety while they are on your property. If a guest has an accident in your home, they could easily sustain an injury. Liability coverage in home insurance is designed to protect you in these situations. It covers you in case someone is injured on your property. Even if your home doesn’t have anything inherently dangerous, accidents can happen—such as a slip or fall—that result in serious injuries.

Paying for Injuries

When someone is injured on your property, the associated costs can quickly add up. Medical expenses for treating injuries, ongoing therapy costs, lost wages, and legal fees are all potential financial burdens that can significantly impact one’s financial situation. Without liability coverage, you would be responsible for paying these costs out of pocket. With home insurance, your policy can cover these expenses, providing you with financial protection.

Get Home Insurance

Going without home insurance is never a good idea. If you need this type of coverage, we’re here to assist you. To learn more about home insurance and get started, contact U.P. Insurance Agency Inc. in Negaunee, MI today.

Does Boat Insurance Cover Bodily Injury?

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In Michigan, where summers are best spent on the water, boating is a favorite way to relax and enjoy the outdoors. However, with the freedom of boating comes responsibility, especially when others are on board or nearby. If someone gets injured while you’re operating your boat, will your insurance policy provide coverage? The answer depends on the type of coverage you’ve selected, as U.P. Insurance Agency Inc., serving Negaunee, MI, explains.

Understanding Liability Protection

Bodily injury liability is a key component of a boat insurance policy that can help if you’re held legally responsible for someone else’s injury. This could include situations such as a passenger slipping on deck, a swimmer getting too close to your vessel, or an accident involving another boat.

If you’re at fault, your insurance policy may cover the injured person’s medical expenses, lost wages, and related legal costs. Without this type of coverage, you could face thousands of dollars in out-of-pocket costs, which can be financially devastating.

What Liability Coverage Typically Includes

Liability coverage generally pays for:

  • Emergency medical treatment for the injured individual
  • Ongoing medical care if required
  • Compensation for lost wages due to the injury
  • Legal defense costs, if applicable

It’s important to note that liability coverage does not extend to you or your family members unless additional options are included in your policy.

Know Before You Launch

Boat insurance policies are not one-size-fits-all. Depending on the size and power of your watercraft, as well as where you use it, your coverage limits and exclusions may vary.

If you’re unsure about what your current policy includes—or whether your liability coverage is sufficient—a quick conversation with your insurance agent can provide clarity. Being properly covered ensures that your time on Michigan’s lakes remains safe, enjoyable, and worry-free. Contact U.P. Insurance Agency Inc., serving Negaunee, MI, to learn more about your options.

Businesses and Professions that Benefit from Umbrella Insurance

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While umbrella insurance assists businesses by covering legal fees and court costs for selected situations, its primary purpose is to extend the liability limits of other insurance policies. Every insurance policy limits the amount paid for claims, leaving the policyholder responsible for amounts over the limit. Businesses with umbrella insurance benefit when the umbrella policy covers the damages that exceed the limits of the underlying policies. If you’re considering adding umbrella insurance to protect your business, contact U.P. Insurance Agency Inc., serving Negaunee, MI, and the surrounding area.

The Professions and Businesses That Need Umbrella Insurance

While every business potentially benefits from umbrella insurance, companies that frequently have customers on their premises or whose business involves working at customer sites find it particularly valuable. Businesses that have customers or clients regularly enter their property face the potential for them to fall or otherwise injure themselves. Professions such as physicians and lawyers, and retailers such as restaurants, auto dealers, and shops face these risks. If an accident occurs, their umbrella policy extends the liability limit of the base policy.

Businesses that work at customer sites also benefit from umbrella policies. Those in the skilled trades who work on-site risk damaging customers’ property or injuring others. Similarly, companies that provide delivery services or otherwise operate vehicles can cause damage or injuries in work-related vehicle accidents.

Besides the value of the protection provided by umbrella policies, the need for umbrella policies is a standard contractual requirement for many government and private organizations.

Working With the U.P. Insurance Agency Inc.

The U.P. Insurance Agency Inc. team serves individuals and businesses in the Negaunee, MI, market. Call us at (906) 475-5400 to schedule an appointment or stop by our office to address your insurance needs.

Why You Need Uninsured/Underinsured Motorist Coverage

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If you’re in a budget crunch, you may look for ways to save money on various expenses. One area that may tempt you is dropping uninsured/underinsured motorist coverage on your auto insurance policy in Negaunee, MI. However, accidents with those who don’t have insurance occur more often than you think. U.P. Insurance Agency Inc. can help you learn how to save on your insurance policy.

What is Uninsured/Underinsured Motorist Coverage?

This coverage protects you financially if your vehicle sustains damage in an accident caused by another motorist who may have insufficient or no insurance. Some drivers only buy the state minimum-mandated coverage for damages and liability. In virtually any accident scenario, this minimum isn’t enough. Even if you are not at fault, you will pay all or most of your medical costs. This provision can also pay for damages if you sustain damages and injuries from a hit-and-run driver.

The Importance of This Coverage

Uninsured/underinsured motorist coverage is an add-on to your insurance policy. The state does not require you to include it in your auto insurance policy, but insurance experts highly recommend it. Michigan has one of the highest rates of uninsured motorists in the United States, despite state law requiring drivers to have insurance to drive legally. Some estimates indicate that almost 20% of Michigan drivers do not have insurance. That statistic means nearly one in five drivers on the road don’t have insurance. Premiums for uninsured/underinsured motorists are minimal, especially considering the thousands of dollars an accident can cost. Keeping this provision as part of your policy will give you peace of mind, knowing you have the means to cover medical bills, lost wages, and physical damage.

Contact U.P. Insurance Agency Inc., serving Negaunee, MI, to learn how to keep insurance costs down while still including uninsured/underinsured motorist coverage.

You Don’t Have to Work in a High-Risk Industry to Benefit from Commercial Insurance

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You don’t have to own and operate an underwater welding business to appreciate the value of commercial insurance. In fact, you don’t have to work in any high-risk business at all because every type of business can benefit from the right commercial insurance solutions. That is also why Negaunee, MI area business owners rely on the professional and proven team at the U.P. Insurance Agency Inc. for all their commercial insurance questions and needs.

The Benefits of Commercial Insurance for All Businesses

If your business houses products or materials or has customers, employees, equipment, or tools, commercial insurance can help. And the truth is, regardless of how dangerous the work or industry is, every business has more than a few reasons to consider commercial insurance. With protection from liability issues and claims, to protecting your assets and property, you don’t have to work in a high-risk field to benefit from the protection that commercial insurance affords. That is why working with experienced and knowledgeable agents who can assess your company’s risks and help you get the coverage your business needs is a good idea.

Commercial Insurance Solutions at the U.P. Insurance Agency Inc.

Do you own a business in or around the greater Negaunee, MI, area? Do you have questions, or would you like to learn more about commercial insurance for your company? We can help. Contact us to find out more and schedule an appointment with our friendly and reputable team at U.P. Insurance Agency Inc. today. From construction and manufacturing to sales and service, we are here to provide the commercial insurance solutions your business needs and deserves, no matter what industry you work in.

How Worker’s Comp Insurance Helps Your Business and Your Employees

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The cost of workplace accidents can be staggering, making worker’s compensation insurance crucial for both your business and your employees. If you have employees, this type of insurance is essential. To find out more about these policies, we’re here to help. Call us at U.P. Insurance Agency Inc. in Negaunee, MI.

Worker’s Compensation Insurance: A Benefit for Your Business

The cost of a workplace accident or a work-related illness can be extreme. There are often high medical bills even if the accident wasn’t serious. In addition, there are other costs that your business would have to pay if you didn’t have worker’s comp coverage. These include legal bills, lost wages, and any ongoing treatments or therapies that are needed. All these costs can add up to an enormous amount, and your business would have to pay for all those bills if it didn’t have this insurance.

Worker’s Compensation Insurance: A Benefit for Your Employees

Worker’s compensation insurance is also beneficial for your employees. They mustn’t worry about what would happen to them if they had an accident and could not work. With worker’s comp in place, the funds will be there just in case this does happen. The policy can pay for a wide array of bills that would be very difficult for many employees to pay for alone. Keep this insurance in place to make sure your employees have nothing to worry about in case of an accident.

Secure Worker’s Comp Insurance

It’s always important to have this insurance to protect your business and employees. If you don’t have a worker’s comp policy yet, or you want to switch to a new one, call us today at U.P. Insurance Agency Inc. in Negaunee, MI to learn more.

Do You Own a Classic, Vintage, or Antique Car?

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When you purchase classic car insurance from U.P. Insurance Agency Inc., it covers your classic, vintage, and antique vehicles. You’re correct if you, like many classic vehicle owners, refer to your auto as a classic. However, within automotive collecting, the age of a vehicle determines its technical descriptor. Your car’s age may afford you added insurance options.

Definition of a Classic

Any vehicle over 20 years of age and maintained with original equipment manufacturer (OEM) parts in its original state qualifies as a classic car. The classic vehicle you purchased in Negaunee, MI, qualifies for classic car insurance, whether it’s a 1975 VW bus or a 1930 Aston Martin. You might notice someone referring to a car as an antique or vintage vehicle at car shows. Those terms refer to vehicles of specific ages:

  • Classic car, an auto older than 20 years
  • Antique car, an auto older than 45 years
  • Vintage car, an auto constructed between 1919 and 1930
  • Veteran car, an auto constructed before 1905.

A gray area exists from 1906 to 1918 that some sources refer to as pre-vintage, according to The Car Investor. According to the United Kingdom’s National Motor Museum, other sources refer to vehicles of that era as Edwardian. In each case, for the vehicle to qualify as a classic, it must remain unmodified, in good condition, and peak collector interest.

Contact Our Office to Update Your Classic Car Coverage

Learn about available coverage, such as coverage for vehicles during the restoration process and spare parts coverage. Classic car insurance uses an agreed-upon coverage valuation. Work with us to ensure that your U.P. Insurance Agency Inc. classic car insurance reflects the accurate value of your vehicle parked in a Negaunee, MI, garage.

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