1. In 2022 alone, Minnesota saw $6.3 Billion in extreme weather events (wind & hail) that caused insurance prices to increase.
2. Independent insurance agents work with multiple insurance companies. That means they can shop around for the best rates, coverage options, and underwriting flexibility across several insurers. They essentially act as a matchmaker between you and the right insurance company.
3. For insurance claim repairs; do not pay contractors up front, only pay when the work is completed to your satisfaction.
4. When insuring a motorcycle, it’s important to include Medical Payments Coverage and Guest Passenger Liability, especially if you ever ride with someone else.
Medical Payments Coverage helps pay for your medical expenses after an accident, no matter who’s at fault.
Guest Passenger Liability provides coverage for injuries to your passenger if you’re responsible for an accident.
Both coverages offer essential protection, and while they might not be legally required in all states, they can save you from major expenses in the event of a crash.
5. ATVs used on any public roads or land must have their own insurance policies or coverage. Even if you only ride occasionally on public property, separate coverage is required to make sure you’re legally and financially protected.
Hermann Insurance Services
6197 Main St, North Branch, MN 55056
651-674-4472
hermann.northbranch@gmail.com
https://hermannins.com/