RV Insurance Gets You Towed After a Breakdown

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Breaking down in a motorhome creates a problematic situation, as the RV requires a heavy-duty tow vehicle to get it off the road and to a repair center. To get this kind of assistance, you need additional RV insurance coverage, known as towing and& labor and roadsidef assistance. At Rock Hard Insurance Agency in Fontana, CA, we understand the challenges faced by motorhome and RV owners. Here’s a look at how you can get your RV towed after a breakdown with insurance.

Securing the Right Kind of Roadside Assistance

A towing company is usually equipped to tow trucks and cars, but it won’t have the equipment for larger vehicles. Finding a towing company that’s capable of towing a motorhome, RV, or RV tow vehicle can be difficult. However, if you add roadside assistance and towing & labor coverage to your RV insurance, you’ll have an easier time getting the help you need.

Roadside Assistance

The insurance company typically provides 24/7 access to emergency assistance and professionals who can help you with everything from changing a flat tire to towing with the correct tow vehicle.

Towing & Labor

This type of coverage pays for the cost of towing your RV or motorhome to a service center. The cost of getting large vehicles towed is more costly, but this type of coverage reduces the amount you have to pay out-of-pocket for the tow. It will also pay for any labor costs that are incurred during the towing process.

Get Protected Against Your RV or Motorhome Breaking Down

At Rock Hard Insurance Agency, we can help you recover from a breakdown by providing the right insurance coverage. Contact our Fontana, CA office to speak to one of our agents today and get started on protecting yourself against the unknown.

How Motorcycle Insurance Companies Navigate Totaled Motorcycles

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When we hear the term "totaled," we often envision a motorcycle crumpled into a ball after an auto accident. However, in insurance terms, "totaled" or "total loss" refers to a vehicle whose repair costs exceed its actual cash value. When your motorcycle reaches this stage, our team can discuss your options.

Does Motorcycle Insurance Cover Total Loss Bikes?

Motorcycle insurance covers the actual cash value of totaled bikes, which may be lower than the price you paid for it. Any remaining amount is your responsibility. To determine the actual cash value of your motorcycle, Rock Hard Insurance Agency considers factors such as:

  • Age
  • Condition/Maintenance
  • Mileage
  • Market Value
  • Current Value of Similar Motorcycles in Fontana, CA
  • Independent Vehicle Guide Valuations
  • Depreciation
  • Supply and Demand in Fontana, CA
  • Modifications and Upgrades
  • Salvage Value

California law defines total loss as a situation where the salvage value plus the cost of repairs is equal to or greater than the actual cash value. We may use other estimates and assessments that are not on the list.

Who and What Pays for Total Loss Motorcycles?

California is an at-fault state, so if another driver caused the accident, the driver’s motorcycle insurance pays for it. If you’re at fault, you use your motorcycle insurance. The cause of the totaled motorcycle determines the type of coverage used.

Collision covers motorcycles totaled in an accident with a vehicle or object. Property damage liability covers motorcycles totaled in a motorcycle accident. Comprehensive covers motorcycles totaled in severe weather, fire, vandalism, theft, or animal accident. Uninsured/underinsured motorist covers motorcycles totaled in any accident where the at-fault driver has little or no insurance. Total loss insurance covers totaled bikes two years old or less.

That simplifies how motorcycle insurance operates in a total loss situation. Rock Hard Insurance Agency will talk more about the details and complexities of motorcycle insurance. Call 909-641-5067 or visit our office for more information.

Watercraft Coverage Exclusions You Should Know

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When purchasing watercraft coverage, you might assume that your insurance plan covers many incidents. However, that’s not entirely true, as watercraft coverage has several exclusions. Our agency, Rock Hard Insurance Agency in Fontana, CA, wants to ensure that you’re well aware of the exclusions to watercraft coverage before you commit to a plan.

What Exclusions Are There to Watercraft Coverages?

Watercraft coverage has specific exclusions because policies don’t want to encourage payouts due to certain circumstances. For example, if someone is intoxicated and breaks the law operating a watercraft, the insurance company will not pay for the damages. While that’s a more common case, here are some exclusions that you may be unaware of:

  • Wear and Tear – The policy does not cover Normal wear and tear.
  • Neglect – Damages resulting from neglect to the watercraft are not covered.
  • Mechanical Failures – Insurance will not cover mechanical failures, as the manufacturer handles these.
  • Illegal Activities – Any involvement with illegal activities or confiscation of your watercraft excludes you from payouts.
  • Racing – Watercrafts used for racing will not be covered by most policies unless otherwise specified.
  • Commercial Use – Coverage will be limited if you use your watercraft for commercial use, as this is generally covered under a business policy.
  • Unauthorized Use – In case someone uses your watercraft without your permission, damages may not be covered.

Aside from these, there are many other exclusions out there. These are just some of the major exclusions. You will want to read your policy and communicate with an agent clearly about what specific type of coverage you’re looking for. Otherwise, you may pick a policy that doesn’t cover your watercraft needs.

Choosing the Right Watercraft Coverage

Choosing the right watercraft policy can be tricky. That’s why our agents at the Rock Hard Insurance Agency in Fontana, CA, are here to help. If you’re ready to discuss watercraft policies, then we’re eager to hear from you.

Who needs the coverage renters insurance provides?

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According to the latest census figures, about 44% of all households in California are rentals, or 6 million households, the highest number in any state. Only about 55% of renters have rental insurance, and many have it because their landlord or management company requires it. At Rock Hard Insurance Agency in Fontana, CA, we are here to help our customers understand the benefits of renters’ insurance and get them the best deals. 

Pet owners

Do you own a pet? Dogs, in particular, are a liability; some are considered so dangerous that insurance companies won’t insure them. Even the most friendly pet can have a moment where they decide to take offense at something, and they can bite a child, a visitor, or even another pet. You could end up having to pay medical bills and even being sued. If you don’t have renters’ insurance, you will have to foot the bill yourself. 

Personal property

You might be surprised to realize how much personal property you actually have. Consider all the clothing in your closet and dresser. How about your jewelry? Electronics are not inexpensive, and if they are stolen or damaged by a covered hazard, you would have to replace them yourself without the benefit of insurance. 

Where would you stay?

Would it be a challenge to afford a place to stay while your rental is repaired? Then, you will benefit from the loss of use coverage that is included with your rental policy. It might even pay for some meals if you can’t cook. 

We are an independent agency at Rock Hard Insurance Agency in Fontana, CA, offering our customers more choices. Give us a call today to discuss your rental insurance needs. 

Consider How Much Insurance You Need for Your New Motorhome

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If you plan on buying a new motorhome, you will need to decide how much insurance coverage you need. Review some guidelines outlining coverage types that will protect your new investment.

Liability Insurance Benefits

Liability insurance protects you if your motorhome causes damage to a motorist’s vehicle or injures a passenger. This type of insurance also protects against physical property damage.

Physical damage to property includes disruption to land or the materials installed on a piece of property. Liability protection will also cover injuries and damage that occur inside your RV.

Liability protection will shield you from high legal costs if someone gets hurt or if their belongings are damaged in your RV.

Personal Property Protection

Property coverage will prevent the loss of your possessions. Each time you use your motorhome, you are at risk of encountering a disaster that could damage the items within your recreational vehicle. You are also at risk of having your items stolen.

Property insurance can be used to cover any items you wish. You can cover the RV itself. You can also insure your motorhome’s furnishings, appliances, flooring, and other items.

Preliminary Inspection Essentials

Do a preliminary inspection of the motorhome you plan on buying. As you walk through the motorhome, note the RV’s layout and the features that are included. Decide which type of coverage will be beneficial to you.

Contact An Insurance Agent in Fontana, CA

Contact one of our agents. At Rock Hard Insurance Agency, an agent will schedule a consultation to discuss the type of insurance you need for your motorhome. Once you have selected coverage types, your new motorhome insurance policy will be prepared.

How to Prepare for an RV Insurance Claim: A Step-by-Step Guide

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When you hit the road in your RV, the last thing you think about is the possibility of an accident. However, being prepared for damage if it does occur can help protect your investment and provide peace of mind. Serving Fontana, CA, and the surrounding areas, Rock Hard Insurance Agency offers complete RV coverage to help you recover financially after a covered event.

Steps to Prepare for an RV Insurance Claim

1. Document the Incident

After a covered incident occurs, promptly document the scene. Take plenty of photos, making sure to capture all damages. Also, gather witness statements, police reports, and other evidence.

2. Contact Your Insurance Provider

Report the claim to your insurance provider as soon as possible. Have the necessary information on hand, such as your policy number and accident details.

3. Work with an Adjuster

Once you’ve filed a claim, expect to hear from an adjuster who will determine the outcome of your case. Be prepared to answer questions and prove your case if necessary.

4. Follow Up on Your Claim

Keep track of your claim’s progress by communicating regularly with your insurance company. Delays may occur if your provider needs more evidence or time to investigate.

5. Understand the Settlement Process

Near the end of your case, you may be offered a settlement. You’ll have the right to accept, deny, or negotiate.

6. Finalizing the Claim

Once a settlement has been concluded, you’ll need to complete all required paperwork. Keep copies of all records, including correspondence and claims documents.

Speak with an Experienced Insurance Agent

At Rock Hard Insurance Agency, we strive to help Fontana, CA residents safeguard their RVs with the proper coverage. Call 208-298-9450 to speak with one of our knowledgeable agents.

Ride Safer on Fontana CA’s Urban and Desert Roads with Comprehensive Motorcycle Insurance

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Learn how to ride safely on local roadways from the experts at Rock Hard Insurance Agency in Fontana, CA.

Navigating Urban and Desert Terrain

California bikers attempting to navigate urban and desert terrain may encounter extreme traffic congestion, high temperatures, and varying road conditions.

Managing Weather Extremes

Extremely high temperatures in the desert and surrounding areas can make riders more susceptible to heatstroke even when they are wearing protective motorcycle gear.

Local bikers must prepare for biking in high temperatures by wearing breathable clothing, staying hydrated, and taking frequent breaks from direct sunlight in shaded areas.

Additional Effects of Skyrocketing Desert Temperatures Can Include: 

  • Tire Blowouts
  • Increased Risk of Accidents
  • Heat-Related Fatigue

Having a comprehensive motorcycle insurance policy in place while navigating Fontana’s urban and desert roads or cruising through the San Bernardino National Forest feels safer when cyclists know their financial interests – and their motorcycles – are protected from financial loss.

Ride Safer on Urban and Desert Roads with Comprehensive Motorcycle Insurance

Comprehensive insurance for bikers includes provisions for motorcycle accidents, thefts, vandalism, natural disasters, animal collisions, and a variety of other uncommon perils that can happen on local byways.

A full-coverage motorcycle insurance policy may also have options for policy add-ons like emergency roadside assistance, towing, and recovery services for motorists stranded on desert roads.

Talk to a trusted local insurance agent at Rock Hard Insurance Agency in Fontana, CA to learn about your options for comprehensive motorcycle coverage to protect your ride.

A licensed and knowledgeable insurance agent can answer specific questions about motorcycle insurance, provide professional advice, and offer you a custom quote based on your previous driving record and insurance history.

Contact our office today to learn more!

Do You Need Boat Insurance In The Off Season

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Boat owners dock their boats at a local marina during the off-season every year. Despite California often being associated with constant sunshine, it also experiences an off-season for boats. During a typical winters characterized by choppy, high waters, most boat owners abstain from voyages. Similarly, many boat owners in Northern California opt to dock their boats for the season. Do you still require boat insurance during this period, or is it superfluous? Let’s delve into everything you need to know.

Insurance Mitigates Damages

A majority of boat owners maintain their insurance through Rock Hard Insurance Agency even when their boat is docked during the off-season. Natural disasters and accidents can strike unexpectedly, irrespective of the boat’s inactivity status. Specific types of coverage will address any damage to your boat, thereby alleviating the financial burden of expensive repair costs. Given that boats in marinas are typically parked close together, you could be held responsible if your boat collides with another during severe weather conditions.

Adherence to Marina Regulations

Most boat owners in Fontana, CA, dock their boats in a marina. However, numerous marinas necessitate boat owners to maintain insurance to permit their boats to be docked. A lapse in coverage could result in the troublesome task of finding a new marina. Today, many marinas verify that boat owners possess and maintain insurance coverage if the boat damages the surrounding boats during extreme weather or other accidental situations. Securing appropriate coverage guarantees a hassle-free docking spot for your vessel.

Get in Touch with Rock Hard Insurance Agency

We at Rock Hard Insurance Agency specialize in a variety of insurance types, including boat and watercraft insurance. Our experienced agents collaborate with you to identify the right coverage to ensure off-season protection, even if you only seek liability coverage. We take pride in serving the Fontana, CA, region. Contact Rock Hard Insurance Agency today for more detailed information.

How to Build a Safe Driving Record

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You may understand the importance of building your savings and investment accounts, but did you know that building a safe driving record can also pay dividends?

At Rock Hard Insurance Agency of Fontana, CA, we understand that the best way to get preferred rates on auto insurance is to build and maintain a clean driving record. Here’s how.

Stop Speeding

It may sound basic and even a bit elementary, but speeding is one of the country’s most cited moving traffic violations. At some point, we all can be guilty of it. We all have our thresholds, but maybe it is time to back it down a bit.

Practice Defensive Driving

Defensive driving is basically staying aware of your surroundings and anticipating what others may do. Some online defensive driving courses may qualify you for an auto insurance discount.

Avoid Distracted Driving

Distracted driving is a major cause of automobile accidents and bruised driving records. Put that smartphone aside when behind the wheel.

Watch Your Temper

Road rage can make even the most rational person act irresponsibly. Make room for and be patient with other drivers.

Talk to Young Drivers in the Family

A clean driving record is particularly important for new or young drivers in the family. Stress the importance of a clean driving record with them.

Monitor Your Driving Record

Like your credit record, it can be important to monitor your driving record. Points will eventually be dropped and citations cleared.

Get an Auto Insurance Quote Today

If you are interested in a free auto insurance quote, we invite you to contact us at Rock Hard Insurance Agency of Fontana, CA. We will happily answer your questions and get you a current quote. We look forward to assisting you.

Common Challenges in Commercial Insurance Claims

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Filing commercial insurance claims can be a complex process around Fontana, CA. Understanding these common challenges can help businesses better prepare and navigate the claims process.

Understanding Policy Terms

One of the most significant challenges is understanding the terms and conditions of the insurance policy. Commercial insurance policies can be intricate, with detailed clauses and exclusions that may not be immediately clear. Misunderstanding what is covered can lead to unexpected denials or insufficient compensation.

Adequate Documentation

Providing adequate documentation to support a claim is another common hurdle that may cause denials. Businesses must maintain meticulous records, including receipts, photographs, and reports that substantiate their claims. Proper documentation is essential to prove the extent of the damage or loss and justify the compensation requested.

Timely Reporting

Many policies have strict timeframes within which a claim must be reported. Delays in notifying the insurer can lead to complications or outright denial of the claim. Businesses must understand these time limits and act quickly following an incident.

Dealing with Adjusters

Adjusters are tasked with evaluating claims and determining the amount of compensation. Their assessment may not always align with the business’s expectations.

Navigating Exclusions and Limitations

Commercial insurance policies might include specific perils not covered or caps on certain damages. Understanding these exclusions and limitations beforehand can help manage expectations and guide the filing of claims within the policy’s parameters.

Handling Disputes

Disputes can arise from disagreements over the extent of coverage, the valuation of losses, or policy interpretations. Resolving such disputes may require legal intervention or arbitration.

Rock Hard Insurance Agency Helps Guide You

Rock Hard Insurance Agency will help guide you and show you how commercial insurance can save you in the long haul. Our team covers the Fontana, CA region. Get in touch with us today.

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