Weathering the Storm: Auto Insurance for Severe Weather Events

As your trusted auto insurance provider in the greater Follansbee, WV region, Mutual Insurance Partners understands the threats severe weather poses to your vehicle. Hurricanes, floods, and hailstorms can lead to significant damages, making the right insurance coverage crucial.

Here are some tips to help your vehicle weather severe weather events:

Comprehensive Coverage: Your Shield Against Nature’s Fury

Invest in comprehensive insurance to protect your vehicle from non-collision incidents, including severe weather damage. This coverage ensures financial support for repairs or replacements, easing the burden of unpredictable weather-related expenses.

Preparing Your Vehicle for the Storm: Practical Tips

  • Check Your Insurance Policy: Ensure your policy includes comprehensive coverage. If it doesn’t, consider upgrading to safeguard against severe weather-related damages.

  • Park Smart: When storms loom, park your vehicle in a garage or covered area to minimize exposure to potential hazards like hail or fallen branches.

  • Emergency Kit: Keep an emergency kit in your vehicle, including essentials like a flashlight, blankets, and non-perishable snacks. In the event of severe weather, having these items on hand can be invaluable.

Insurance Readiness: Proactive Measures for Protection

Regularly review your insurance policy to ensure it aligns with your needs. Consider adjustments or additional endorsements for enhanced protection. In the unfortunate event of weather-related damage, report it promptly for a swift claims process.

Navigating severe weather requires a proactive approach. With comprehensive coverage and practical preparations, you can weather the storm confidently, knowing your vehicle and finances are protected. If you don’t currently have auto insurance that protects you against severe weather in the greater Follansbee, WV area, Mutual Insurance Partners can help you get the insurance you need. Reach out to us today to learn more. 

Do You Need to Upgrade Your Auto Insurance Policy?

If you live or work in Follansbee, WV or the surrounding area, you can count on Mutual Insurance Partners for all of your insurance needs. We’re here to help with all of your car insurance upgrade needs.

Is it Time to Upgrade Your Car Insurance?

Your car insurance needs can change over time. There are several different events that can prompt a change. For example, if your teenage child is joining your policy, you’ll probably need to make some changes. The same is true when you pay off your vehicle or begin to drive it more often on a regular basis. If your driving habits have changed, or the number of drivers in your household has grown, you’ll want to carefully review your current policy. This will help you avoid a situation where you don’t have the coverage you need.

Another reason to upgrade your current policy is to enjoy more benefits. Comprehensive policies can provide more robust coverage and provide features like roadside assistance, rental car coverage, and protection from liability. If you want to make sure that you have the protection you need, it’s a smart idea to review your policy carefully at each renewal. This will prevent you from finding yourself underinsured following a covered event. Now’s an ideal time to sit down with your local agent to review all of your policies. This will allow you to make any changes that your current circumstances call for.

Give us a call today!

The Mutual Insurance Partners team is proud to serve the Follansbee, WV community. If you have questions about your auto insurance policy, we’re here to help. Contact us today to schedule an appointment to review the auto insurance policy options that are currently available in our area.

How To Prepare Your Teen For Driving

It is a scary time when teens start driving. There are lots of things you can do, though, as a parent, to help get your child prepared for this big responsibility. Here at Mutual Insurance Partners serving Follansbee, WV and the surrounding areas, we are here to help you and your teens drive safely.

How to prepare your teen for driving:

Honest Conversations 

It is vitally important that you have very honest conversations with your teen about your expectations for them as a driver. Teens often think of driving as fun, and although driving can be fun and a sense of independence is fun, they really need to understand that driving is a huge responsibility and that their life and other people’s lives are at stake. 

Real Consequences 

Your teen also needs to know that there will be real consequences for poor choices. Those consequences can involve their license getting suspended, fines, accidents, and even death. These are big topics that some parents think are too heavy for their teens. If you think these topics are too heavy for your teen, then your teen is not ready for the driving responsibility. In addition to those consequences, there should also be consequences for you if they fail to follow driving laws and rules that you have put in place. 

Driving is a Privilege Not A Right 

Remember, you are under no obligation to let your child drive. They have not earned a right to drive. They are being given the privilege to drive by the state and by you. That privilege can be revoked if they are not mature enough to handle the responsibility. 

If you would like to learn about our car insurance products, please contact us at Mutual Insurance Partners, serving Follansbee, WV and the surrounding areas. 

Why do you need auto insurance in West Virginia?

If you are in the Follansbee, WV area, you will find that owning a car is a good idea. When you are a vehicle owner here, you will have a much easier time navigating the area and getting to your destinations. As you are looking to buy a car here, it is also important that you select the right insurance plan.

You will need to have an auto insurance plan in this area for various reasons:

Financial Support

A reason that you should get auto coverage in this part of the state is so you can receive financial support. If you intend to buy a car, you will be making a large investment. It will be a good idea to ensure this investment is supported and protected, which can be done with a comprehensive insurance plan. Further, you will receive liability coverage, which will offer support if you are responsible for damages caused by an accident. 

Meet Obligations

It will also be a good idea to get an auto plan so you can meet your obligations. If you have taken out a loan or want to drive a car on a public road, you will have some auto insurance requirements. By getting a quality policy, you can remain in good standing with all such obligations. 

Mutual Insurance Partners Is Here To Help

If you are going to buy or lease any type of vehicle in the Follansbee, WV area, it will be very important that you get the right insurance for it. There are a lot of big choices to make when looking for this coverage and our team with Mutual Insurance Partners can help you build an ideal policy. We understand the importance of this coverage and our professionals can offer support that will ensure you build an ideal plan. 

Auto Insurance – Don’t Drive Without It

Did you know that auto insurance is required in 48 out of 50 states? Are you adequately protected? Make sure. Let our team of experts at Mutual Insurance Partners, serving the greater Follansbee, WV area, help you with your auto insurance needs.

Auto Insurance: Why You Need It

The main reason auto insurance is necessary is due to liability, or responsibility for any damage you are responsible for. You may carry collision and comprehensive coverage for your vehicle, but what about any damage you are at fault for to someone else’s vehicle? Liability coverage, or bodily injury and property damage are required by most states.

The limits for liability coverage are state-specific. They provide financial relief for those people who are injured or suffer damages you are liable for. You need to carry enough insurance to cover the expenses of those damages.

Some states require more insurance coverage than others, such as no-fault states. These states require that every driver file a bodily injury claim with their insurance company after an accident, which in turn raises premium costs. No-fault states require you to also carry PIP or personal injury protection coverage as well. PIP covers the cost of medical bills incurred by you and your passengers in the event of a collision. The level of PIP coverage also varies from state to state.

Make sure if your vehicle is driven on public roads, that you have your state’s minimum liability coverage. Don’t risk driving without it. Regardless of the age of your vehicle, liability coverage is a must for every licensed driver. It could be very costly for you to get into an accident without this coverage. Don’t risk it – it is not worth it.

Give Us A Call

Contact Mutual Insurance Partners in Follansbee, WV today for a no-obligation quote. You will be glad you did.

What auto insurance is required for you?

We at Mutual Insurance Partners know that auto insurance isn’t optional.

Whether you’re in Follansbee, WV or throughout the state, West Virginia has specific auto insurance requirements. Lacking even the most basic coverage is a risk. It could lead to fines, suspension, or loss of driving privileges entirely.

Fortunately, Mutual Insurance Partners can help. Our experienced agents want to ensure you’re protected on the roadways.

Here are three essential must-haves for any auto insurance policy:

Bodily injury liability

Like most other states, liability is a key component of auto insurance in West Virginia. In the event of an accident, bodily injury liability kicks in. This covers expenses that may result from physical harm or injuries you may have caused to other motorists. All drivers must carry at least $25,000 in protection for a single person. By law, a combined $50,000 is required for all individuals in a single accident.

Property damage liability

Property damage coverage is another form of liability, but it applies to a person’s property instead. Although vehicular damage is included, these plans also shield against the destruction of fences, mailboxes, and other structures. Residents in the Mountain State must carry at least $25,000 per accident.

Uninsured motorist coverage

Uninsured motorist coverage ensures you are better covered in any accident, regardless of fault. This extends additional coverage if you’re involved in an incident with another motorist who doesn’t have adequate liability protection. Equal to liability, the state mandates minimums of "25/50/25" as well.

Contact Us Today

While these items will keep you street legal, Mutual Insurance Partners in Follansbee, WV knows that minimum coverage is rarely enough. Their team of seasoned agents can find a policy that best protects you and your family. Schedule an appointment with a "pro" today.

Is auto liability insurance enough coverage to lease a car?

All drivers are required to carry auto liability insurance. Liability insurance protects other drivers when you’re at fault for an accident. This insurance provides coverage for property damage and injuries. However, it provides no coverage for your injuries and damage to your car. Mutual Insurance Partners can help the drivers in the greater Follansbee, WV community determine which coverage options make the most sense for them.     

Auto Liability Insurance: What You Need To Know

This is a question that someone interested in leasing a car may ask an insurance agent. Of course, all drivers must carry liability insurance at the least. However, it may not be enough coverage for someone interested in leasing a car. Liability insurance only covers damage and injuries for the other driver.

Although you’re legally only required to carry liability insurance, every company has its own rules and requirements. State law is only one determining factor when it comes to how much auto insurance you need. If you take out a car loan or lease a car, the loan company/lessor will likely require you to carry full coverage as well. 

Any company that leases cars knows that liability coverage provides no protection for the lessee or the lessor. The other driver is the only beneficiary. This is the primary reason why the lessor usually requires the lessee to carry full coverage auto insurance.

Full coverage insurance meets the legal guidelines for auto insurance, but also provides coverage for the car, the driver, and the lessor. Leasing companies typically require the lessee to carry full coverage and 100/300/50 liability limits.

Get In Touch With Mutual Insurance Partners

If you’re considering leasing a car in Follansbee, WV and want to explore your insurance options, give us a call. We’d be happy to answer your questions.

Why it makes sense to carry more auto insurance liability coverage than required

Drivers in the greater Follansbee, WV area can turn to the team at Pro Insurance Group for all of their auto insurance needs. If you have questions about the appropriate amount of insurance for your needs, give us a call today! We are here to help.

Benefits of carrying more than the required amount of liability protection

When it comes to liability protection, it can be difficult to know what level of coverage is most appropriate for your needs. Yes, there are stipulations in place for minimum coverage amounts in our state, but how do you know if that’s enough protection?

It is not uncommon to have an auto policy that provides more protection than what is required by West Virginia. This is especially true when it comes to liability protection. Weighing your liability protection options is a smart move, no matter what you end up deciding. Here are just a few of the benefits:

  • Lower likelihood of personal responsibility. If your liability protection is exhausted due to a catastrophic accident, you can become personally liable for any overages. Increased coverage can help you avoid this unwanted situation.
  • Increased coverage does not cost that much more. Premiums do not increase by a significant amount when liability protection is increased.
  • Peace of mind comes with knowing you have the protection you need. Knowing that you won’t face personal financial responsibility for a major accident can help you sleep much better at night.

Give us a call today

Pro Insurance Group is here for the wider Follansbee, WV community. If you have any questions about your auto policy or any other type of insurance, call or stop by our office today! Our team looks forward to working with you.

What auto insurance is required in West Virginia?

When you are looking for auto insurance in West Virginia, it is important to find an independent insurance agent that can provide the choices you deserve. At Pro Insurance Group in Follansbee, WV, we share our 60 plus years of experience with our customers. We personalize your coverage to your particular needs. 

Almost every state has insurance requirements for those who drive in their state. West Virginia is no exception. You are required to have both liability coverage and uninsured/underinsured coverage. The amount is 25/50/25 for both types. Liability coverage protects other people from you and uninsured coverage protects you from others who don’t carry enough or have no insurance. It translated to $25,000 for injury to the first person and $50,000 for the entire accident with $25,000 for damage to property.

This is what is mandated by the state but if you have a loan on your vehicle, this will not be the only insurance required. The lender will require you have collision and comprehensive coverage to protect the vehicle they still partially own. Deciding if the minimum amount of liability coverage is enough is important. It is there to protect your assets. You may want to consider going with a higher limit. 

For most people, a vehicle is a necessity, something they just can’t do without on an everyday basis. If you are responsible for the damage to your vehicle you need to have collision and comprehensive coverage so that it can be repaired. That will protect you from theft, vandalism, damage from an accident, hit and run or damage from things like hail, flooding, or wind. 

Contact Pro Insurance Group in Follansbee, WV for all your auto insurance needs. We welcome you to stop in at our office or give us a call for a no-obligation quote. 

Auto Insurance Myths To Watch Out For

Pro Insurance Group serves the Follansbee, WV community, as well as the surrounding areas. We are an independent agency. We pride ourselves on being able to offer our clients flexible policies that align with their needs and goals. We have working relationships with different carriers throughout the East Coast. We are confident that we can help you find the coverage you need to protect what matters most.

Auto Insurance Myths To Watch Out For

Operating a vehicle comes with multiple risks. You can’t control the other drivers on the road or prepare for the road conditions. Auto insurance gives you a safety net as you travel around Follansbee WV. You’re covered if you are involved in an accident with another driver or object. If you have a passenger in the vehicle, their medical treatment is covered in the event that they are injured. Comprehensive coverage protects you in unique situations. You can rely on the coverage if you are a victim of theft or your vehicle is accidentally set on fire. Liability coverage protects you if you are held responsible for any injuries or property damage caused by an accident. While researching coverage, watch out for these common auto insurance myths.

My Friend’s Coverage Takes Over If They Drive My Car

This is incorrect. Your auto insurance covers your vehicle at all times, even if someone is driving the vehicle. As a result, if your friend is involved in a collision while driving your vehicle, you are technically responsible for the damages.

Auto Insurance Covers Personal Property

Any damage to your personal property is not covered under auto insurance.  

One Ticket Will Alter My Policy

If you obtain one minor parking ticket, that is not enough to alter your auto insurance coverage.

Pro Insurance Group Will Help You Stay Safe On The Road

Visit our website to learn more information about auto insurance.