Insurance Agency Klamath Falls, OR

What Should I Know About Dog Bite Insurance Claims?

Insurance Agency Klamath Falls, ORAccording to the Insurance Information Institute, homeowner insures paid over $796.8 million as a result of 17,802 dog bite claims in 2019. We would like to briefly go over what happens if your dog were to bite someone and of course, how to prevent a dog bite claim.

What Would Happen If My Dog Bit Someone?

Homeowners’ or renter’s insurance policy includes liability coverage which will likely cover you for the damages. Keep in mind, some insurance carriers do not offer liability coverage for specific dog breeds. They also may offer some, but limit the amount of coverage available. Talk to your agent about what breeds may not be covered. If you are not covered, you would have to pay out of pocket for the damages caused by your dog. If your insurance provides coverage it is likely your insurance premium will increase at renewal or you could even be dropped from your insurance carrier.

How to Lower Your Risk for a Dog Bite Claim

Don’t ever assume your dog won’t bite someone.

You can have the sweetest dog on the planet, but you still can’t make the assumption that your dog won’t bite. Watching your dog’s behavior around strangers or even family and friends is crucial. Never leave your dog alone with children who might cause the dog to nip if harassed or injured.

If you adopt a pet, do your research

What should you know about your breed’s common behavior? Ask several questions with the adoption agency. Have they noticed specific behaviors you should be aware of? Understanding what triggers your dog’s aggression or what makes them uncomfortable can save you from a dog bite claim down the road.

Know The Signs Your Dog May Be Uncomfortable, Anxious or Aggressive

Dog bites are common in these scenarios. Dogs may react to such things as taking away their food or a toy or even touching them while eating.

  1. Aggressive
  • Stiff tail, intense stare, growling, hair up on back.
  1. Uncomfortable/anxious
  • Pulled back ears, tucked tail, no eye contact, lowered head or body

Get some training

Whether you are a dog owner or someone who doesn’t own a dog, being around a dog with good behavior is ideal. Obedience training can benefit any dog.

Socialize Your Dog

When your dog is around other dogs and people, it can help them work through any anxieties they may feel.

Be Extra Aware Around Children

This goes back to our number one answer, don’t assume your dog will never bite. If your dog is around children they aren’t familiar with, watch for signs of your dog being uncomfortable.

Get Your Pet Spayed or Neutered

This can help with a dog’s aggression.

Being a dog owner can bring so much happiness into your life. Use these tips to worry less about your dog biting a loved one or a stranger. For questions about your home or renters insurance policy and what coverages are available for dogs, contact us! We can go over your current policy or even find you a different insurance carrier who may be a more ideal fit for pet ownership.

Motorcycle Insurance Klamath Falls, OR

Everything You Should Know About Motorcycle Insurance

Motorcycle Insurance Klamath Falls, ORSpring is here, which means motorcycle season has arrived. Whether you enjoy going on long road trips or simply just like taking your motorcycle for a ride around your town, it’s important you have the right insurance coverage in the event you have to file a claim.

What You Should Know About Your Insurance & How Your Rate Can Be Calculated

Where You Live Matters

If you can ride your motorcycle year round, there is a chance you may pay more than an individual who can only ride during warmer months. Why? With your shortened window for riding, individuals who have a “motorcycle season” lower their risk for an accident.

Your Experience & Age Matter

This shouldn’t be too shocking to read. If you are an experienced motorcycle rider, you may have a lower rate vs. someone who just bought their first motorcycle. Your age factors in with your experience. Like car insurance, young drivers usually pay higher rates. However, if you are 50 years old and have no experience, you may pay more for insurance compared to a 30 year old who has 10 years of experience.

Your Riding History Matters

Just like car insurance, your riding history matters. Accidents, claims and tickets all play a role in your motorcycle insurance rate.

What Type of Bike You Own Matters

High performance bikes may be more to insure. If your bike has a big engine, that too can cost more to insure.

What Type of Motorcycle Insurance Coverage Should I Have?

Talk to one of our licensed agents about this. We can explain all coverage options. Some of these coverages are mandatory, but others are optional.  Here are a few to consider below.

Comprehensive insurance – covers you in the event your bike is damaged due to vandalism, falling trees/debris, storms, hitting an animal, theft, windshield damage, etc.

Liability – this covers you if you are responsible for causing damage or injuring someone else.

Collision – covers your motorcycle if you collide with a vehicle or object regardless if you are at fault or not.

Uninsured/underinsured motorist property damage – if your bike is damaged by someone who isn’t carrying insurance or is underinsured. This coverage provides coverage up to your policy limits. Bonus – it can cover your injuries too.

Have custom parts for your bike? Get it covered. Some carriers automatically include some coverage in a policy, but not all.  Talk to your agent about this.

How Can I Save Money On My Motorcycle Insurance Coverage?

  • Establish good credit
  • Bundle your insurance policy with other policies such as your car or home insurance
  • If you’re a member of the Harley-Davidson Owners Group (applies in 42 states)
  • Some insurance carriers give a discount for having a motorcycle endorsement
  • Take a motorcycle safety course (this is great for all riders! Experienced or beginner)

Almost every state in the United States requires some form of motorcycle insurance. Contact our office for a motorcycle insurance quote! We will help you determine what coverage options fit your lifestyle the best.

Contractor Insurance Klamath Falls, OR

How to Avoid Insurance Claims & Liabilities From Hiring Contractors

Contractor Insurance Klamath Falls, ORIf you’re an experienced home remodeler, you’ve probably come across contractors who are willing to offer better pricing for cash deals or who are reluctant to provide you with a service contract. Did you know that you can be held liable for hiring a contractor who does not carry the right insurance and causes damages or injuries to another person or even one of their own workers? Saving a few dollars on your remodel can end up costing you thousands so follow these tips to avoid an insurance disaster.

  1. Look for obvious red flags: Getting multiple quotes for the job is a great idea, but did you find a contractor who will do the work for ½ as much as the next guy? How is this possible? When you’re inviting a contractor to your home, be sure to ask them for credentials before they come over to give you a bid. Following these steps can save you from theft, liability and even money.
  2. Ask for references: If you found a great contractor and you like him/her, ask them if they have a website or if there is someone who has had work done by them recently that you can talk to. If a contractor is proud of the work they do, they should have several references for you to call. It is okay to ask for reference and most people expect it. Most small businesses survive off of word-of-mouth advertising, so don’t be shy.
  3. Utilize the internet to look up their license: Contractors are required to have a license to perform work. You can utilize your states resources to find these contractors. An internet search will provide you with some quick references. You can even make your job quicker by asking them to provide you with a copy of their license or number.
  4. Active License, Insurance & Bond: Ask the contractor for a copy of their license as well as documentation of their insurance and bond. Note: Check the dates on the license as well as the insurance to ensure they’re currently in force or active.
  5. Get specific: Not only is it important to protect your insurance from a scam, but ensure your pocketbook doesn’t get taken for a ride too. Ask questions like, “Is this an estimate or a final bid?” “Does this estimate include parts and labor?” “Can I see where you’re buying the products beforehand?” The more questions you ask, the better you will feel and the more the contractor will understand that you’re educated on this process.

Let’s take a closer look at what some of these products do:

  1. License: A license to do business means that contractor has met local guidelines and qualification standards to work in their field. Hiring an unlicensed contractor can result in shoddy work or dangerous results such as with an electrician.
  2. Insurance: Contractors need two types of insurance really.
    1. General Liability Insurance: This will protect you from damages that the contractor causes such as a ladder falling through a window, causing a fire or overspray onto a neighboring house during some painting.
    2. Workers Compensation Insurance: This insurance will protect the contractor if one of his employees is injured on the job while on your property. If the contractor does not carry workers compensation insurance, your homeowners insurance policy might be asked to pay that workers claim.
  3. Bonds: A bond acts as a guarantee that the contractor will perform the work they’ve been asked to do. For instance, say your pay a contractor to do a job and he never gets the permits or doesn’t pay a subcontractor – collecting from his bond can help cover these costs.

Hiring a contractor this way can be a great option to bringing some new changes to your home. It is possible to really save money on these services, but just using some simple, quick research and asking the right questions can save you a bundle as well as a headache.