Types of Car Insurance

What are the different types of auto insurance?

You may already know how auto insurance works, but do you know what the different types of car insurance are? If you’re shopping for auto coverage, knowing the different types of auto insurance and their coverage’s is an important step in getting the policy that’s right for you. Here are a few of the basic car insurance types, how they work and what they cover.

Liability coverage 
Liability coverage is required in most US states as a legal requirement to drive a car. Liability insurance may help cover damages for injuries and property damage to others for which you become legally responsible resulting from a covered accident.

Collision insurance 
Collision insurance may cover damage to your car after an accident involving another vehicle and may help to repair or replace a covered vehicle.

Comprehensive insurance 
Comprehensive insurance can provide an extra level of coverage in the instance of an accident involving another vehicle. It may help pay for damage to your car due to incidents besides collisions, including vandalism, certain weather events and accidents with animals.

Uninsured motorist insurance 
Uninsured motorist insurance can protect you and your car against uninsured drivers and hit-and-run accidents. This coverage is often paired with underinsured motorist insurance.

Underinsured motorist insurance 
Many drivers choose to carry the minimum in liability coverage to save money, but this might not provide enough coverage. Underinsured motorist insurance can protect you in the event of an accident with a driver whose insurance is not enough to cover the costs.

Medical payments coverage 
Medical costs following an accident can be very expensive. Medical payments coverage can help pay medical costs related to a covered accident, regardless of who is at fault.

Personal injury protection insurance 
Personal injury protection insurance may cover certain medical expenses and loss of income resulting from a covered accident. Depending on the limits of a policy, personal injury protection could cover as much as 80% of medical and other expenses stemming from a covered accident.

Gap insurance 
Car value can depreciate quickly, so an auto insurance settlement might not be enough to cover the cost of a loan. Gap insurance may help certain drivers cover the amount owed on a car loan after a total loss or theft.

Towing and labor insurance 
Available if you already have comprehensive car insurance, towing and labor insurance may reimburse you for a tow and for the labor costs to repair your vehicle.

Rental reimbursement insurance 
Figuring out how to get around after an accident can be expensive. Rental reimbursement insurance helps pay for a rental car if your vehicle cannot be driven after an accident.

Classic car insurance 
Classic car insurance provides specialized coverage designed for the unique needs of vintage and classic car collectors. Find out if classic car insurance is right for you.

If you don’t currently have auto insurance, it’s crucial to get coverage as soon as possible. Get a free quote for the types of car insurance listed above so you’re protected from the unexpected.

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Signs of Roof Damage

Preventing, spotting and repairing roof damage

Rain, hail, sleet and snow may not stop the U.S. Mail from its appointed rounds but those elements can, over time, stop your roof from doing its job. With the average cost in 2016 of roof repairs over $690 and roof replacements above $7,000, stopping damage before it occurs is a smart idea.

Here are the items you should pay particular attention to when inspecting your roof for damage:

Material failure

Flashing is the metal that connects the chimney, vents and skylights to the roof. Also, it connects porch roofs to the second story. Inspect the flashing every 10 years to ensure it hasn’t corroded or cracked, that rubber gaskets around plumbing vents haven’t deteriorated and that the metal collars on vents used with gas appliances remain tight. Estimated cost of flashing: About $50 per roll.

Check the surface of asphalt shingles to ensure their grains are intact. If they’ve been abraded (by weather or walking on the roof) replace the shingles, then stay off the roof. This is true for cracked tiles, too. Estimated cost: About $30 per bundle, but can vary based on the roof type.

Wind and tree damage

Tree branches that rustle gently in a breeze can also crack tiles, abrade asphalt shingles and damage fascia boards if they brush or strike them. Prevent tree damage by keeping branches at least 10 feet from your home and by ensuring that trees can’t hit your home if they fall during high winds. If a tree hits your home, evacuate until an engineer or general contractor ensures your home is safe to inhabit.

After storms, check your roof for missing shingles, worn spots and cracked or broken tiles. Also, look for broken fascia boards and loose metal sheeting. Estimated cost: DIY prune for free.

Wildlife

Raccoons may be cute, but they can be destructive by ripping off shingles, nesting in attic insulation, compressing it and leaving excrement. Squirrels and roof rats may cause similar problems. Inspect your attic once or twice each year to ensure it’s not home to unwanted wildlife. If critters have invaded, contact a wildlife specialist to remove them, then find and seal their entry points and repair any damaged roofing. Estimated cost of wildlife removal: $200-$500.

Moss

Moss on the roof is more harmful than beautiful. Its spores collect between shingles, growing and spreading to form mats a few inches thick. These mats store rainwater, which wicks underneath shingles, soaks the underlayment and, if unchecked, rots the roof sheathing.

If you have moss, remove it. An air broom works nicely. Don’t power wash the roof, because that can drive water underneath the shingles or tiles. Once the moss is gone, apply a chemical treatment or zinc or copper solution to kill any remaining moss spores. Alternatively, install zinc or copper strips at the roof’s peak to kill moss in the coming decades. When reroofing, consider shingles with built-in moss inhibitors. Estimated cost of chemical spray: About $15.Caring for your roof helps it last years longer. If it’s damaged by events beyond your control, however, contact your Duda Insurance agent. Not a Duda Insurance customer? Learn more about our reliable home insurance coverage options call (509) 787-4447.

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Preventing Frozen Pipes

What Causes Frozen Pipes?

The water inside pipes can freeze when outdoor temperatures drop below freezing. As freezing water expands, it causes the pressure inside the pipes to increase, possibly leading to bursting pipes.

Preventing Frozen Pipes

  • Insulate pipes, especially those close to outside walls, attics or crawl spaces where the chance of freezing is greatest.
  • Seal air leaks surrounding or near pipes.
  • Keep garage doors closed if there are water supply lines in the garage.
  • Disconnect all outdoor hoses and turn off water to exterior faucets and sprinkler systems.
  • Open kitchen and bathroom cabinet doors to allow warmer air to circulate around the plumbing.
  • Keep heat at 55 degrees F. or higher even when you are out of town.
  • During a cold spell turn on both hot and cold faucets near outside walls to allow a small trickle of water to run during the night.
  • If you need to be away from home, leave the heat on and drain your water system before you go.
  • Identify the locations of shutoff valves so that you are prepared to stop the flow of water as soon as possible when a pipe bursts.

What to Do When Pipes Freeze or Burst 

If pipes freeze:

  • Open all faucets.
  • Remove insulation and wrap pipes in rags.
  • If all else fails, call your plumber.

If pipes burst:

  • Shut off the water immediately to prevent additional damage.
  • Take proper precautions to avoid an electrical shock from being in or near standing water.
  • Take an inventory of any damaged property or possessions.
  • Contact your local claims office to help you locate a vendor specializing in emergency water mitigation services that can properly dry out the damaged area.

For more information, contact Duda Insurance or call (509) 787-4447 and a representative will assist you.

A Duda Insurance Company
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Renters Insurance

What is renters insurance?

If you live in a rented apartment, condominium or home, you need to protect yourself, your space and your stuff. Some managed communities even require that you have a certain amount of renters coverage as part of your lease agreement. Typically, your landlord’s policy won’t help if your belongings are stolen or damaged. For that you need renters insurance.

Let us customize a policy that protects you from these risks and suits your lifestyle and budget. Here are 2 simple ways to get a renters insurance quote:

Why you need renters insurance

To protect what you own

Your landlord’s insurance policy isn’t enough. It most likely ONLY covers the building you live in. Not your personal belongings.

To protect yourself

If someone gets hurt in your apartment, guess who might be held responsible. Yes. You. Apartment insurance offers liability coverage to protect you.

To ensure you have somewhere to live

If the home you reside in gets damaged and you can’t live there, you could have to pay for temporary housing.

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5 Car Features to Protect You on Winter Roads

With nearly 70 percent of the nation’s roads in snowy regions, the majority of Americans have had a “white-knuckle” driving experience in their past. Winter roads claim the lives of 1,300 people every year and injure 116,800, according to the U.S. Department of Transportation.

Fortunately, new features including forward collision alerts and lane departure warnings, are protecting Americans on slick roads. The impact of these new safety features has been substantial.

Vehicles made after the year 2000 helped to prevent 700,000 crashes, saved the lives of an estimated 2,000 people annually and kept one million people safe from injury, according to a report conducted by the National Highway Traffic Safety Administration.

“There’s no question, vehicles are safer today than they were a decade or two ago,” says Phil Marzolf, manager of i25 Kia outside of Denver. “Consumers are embracing new features that provide additional safety during bad weather conditions.”

An increasing number of new vehicles are now equipped with these five technological safety advances:

#1 Forward Collision Warning and Auto-braking

#2 Lane Departure Warning Systems

#3 Adaptive Headlights

#4 LED Tail Lights

#5 Traction Control

 

 

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Be Prepared for Winter Weather

Along with winter come cozy evenings by the fire and trips to the slopes. But, winter weather also brings a number of risks for you, your family, and your property. Pipes can burst, fireplaces can cause smoke and other damage, and roofs can strain under the load of snow and ice.

Before Winter Arrives

  • Winter-proof your car with good snow tires or chains, new wiper blades, antifreeze and emergency road supplies.
  • Keep your attic cool to help prevent ice dams.
  • Insulate the attic floor and make sure it’s well ventilated.
  • Don’t overload circuits with holiday decorations.
  • Keep your home stocked with emergency supplies, including food and flashlights.
  • Hire a professional to inspect, clean and repair your fireplace and chimney, if needed, to reduce fireplace risks.
  • Sign up for mobile weather alerts.
  • Ensure all family members have proper cold weather gear.
  • Service your furnace, snow blower, and generator, if needed.
  • If your heating source requires any type of fuel, be sure to stock up.
  • Make sure fire extinguishers are on hand and that all family members know how to use them.

During a Winter Storm

  • If you don’t have to drive, stay put.
  • If you must drive, make sure you’ve winterized your car and have a full tank of gas and a fully charged phone.
  • When the air’s cold, keep bath and kitchen cabinet doors open so warm air can circulate around pipes.
  • If pipes do freeze, let them thaw normally as they’ll be less likely to burst.
  • If the power is out, make sure you don’t leave candles or fires burning unattended.
  • If you use a portable generator, follow the instructions, and don’t use it indoors.
  • Ensure any animals on your property are safe.

After a Winter Storm

Once the worst of the storm is over and you’ve ensured your family and pets are safe, take steps to:

  • Shovel your sidewalk so your property is safe for others, but take frequent breaks and drink plenty of water to avoid overexertion.
  • Check on neighbors and senior family members who may require help.
  • Clear off fire hydrants and the surrounding area to be sure hydrants are visible to firefighters.
  • Reduce the strain of snow accumulation on top of structures, if possible to safely do so with a roof rake.
  • Tune in to radio or TV broadcasts for information on road and weather conditions.
  • Completely brush or scrape snow and ice off your car before driving.
  • Conserve heat by keeping curtains or blinds closed and by closing the doors to rarely used rooms, especially if your heat source goes out.
  • If you’re active outdoors, cover your body from head to toe and change out of any wet clothes immediately.
  • Ensure outdoor animals have adequate shelter and water that is not frozen.
  • Find temporary shelter, if needed, by texting SHELTER and your zip code to 43362 (4FEMA).

Learn more by contacting Duda Insurance for more information or call (509) 787-4447.

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High Wind Damage and Wind Safety

Helping protect your home from damaging winds

Down power line
It doesn’t have to be a tornado or hurricane. A strong, gale-force wind can whip up and pack plenty of punch – and it can blow large debris around, causing real danger to people and potential damage to property. Without proper wind protection, windborne debris can break unprotected windows and blow doors off their hinges. Also, once a forceful gale enters a structure, the home’s contents will be exposed to the elements.If you live or are building a house in an area where damaging winds are common, we’ve got some wind protection suggestions to fortify your home against nature’s blusters.

Strong winds call for strong windows

If you’re building a home, avoid designs with large areas of glass, windows with multiple panels, and double-entry doors. And check local building codes for windborne debris protection requirements.

For an existing structure, your top priority is securing windows and other areas covered by glass. Your two best choices: permanent or temporary storm shutters.

Permanent shutters

  • Consider using permanent storm shutters if you live in an area where you will need to act quickly to protect your windows.
  • Usually made of aluminum or steel, permanent shutters provide the sturdiest protection.
  • They may be manually operated and motor-driven. If you buy motor-driven shutters, make sure they also can be operated manually if the power fails.
  • Look for models that meet the wind load and impact standards for your area. They’re available in a wide range of sizes, so you can use them to protect many types of openings.

Temporary shutters

  • Temporary plywood covers can be an economical alternative to permanent storm shutters.
  • Temporary covers can be installed pretty quickly if the necessary preparations are made first.
  • Plywood covers can also be used to protect sliding glass doors and French doors.
  • Don’t wait until there’s a hurricane or high wind warning to build your temporary covers. Make them during the “off season,” so you’ll be ready to install them at any time.
  • When storing the covers, use a numbering or lettering system to know which cover goes with which window. Store the mounting screws or lag bolts nearby.

More protection

Other ways to protect your home and the things in it from high-wind damage:

  • Reinforce your garage door. Because of the extreme tension in a garage door counterbalance system and the potential for additional wind impact, this is a job best left to a professional.
  • Remove or securely anchor any loose objects on your property that could be picked up and tossed by the wind. This includes trash cans, grills, and lawn or deck furniture.
  • Use the straps and ground anchors on manufactured homes to anchor outbuildings, especially small garden sheds that aren’t on a permanent foundation.
  • Remove large trees near your property that could topple into your home. Unless you’re a lumberjack, this is another job for a skilled contractor.

 Talk to us

Even with the best preparation, you can still sustain damage from unexpected events like windstorms. Contact an agent today to protect your home with the right homeowners insurance for your needs.

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