Everything You Need to Know About Car Fires

Car fires are more prevalent than you might think, with over 100,000 incidents reported yearly. These fires can cause significant damage and pose serious safety risks. Therefore, it’s crucial to understand their causes, prevention methods, and what to do if one occurs. At Colling Insurance Services Inc. in Lakewood, CO, we’re here to help you stay informed and protected.

What Causes a Car Fire?

Car fires can originate from several sources, but mechanical and electrical issues are among the most common. Faulty wiring, overheating engines, and fluid leaks are all potential fire hazards. Fuel system leaks are particularly dangerous, as gasoline is highly flammable. Collisions can also lead to fires, especially if the impact damages the fuel tank or electrical system. Even something as simple as improperly stored flammable materials in your car can ignite a fire under the right conditions.

Preventing Car Fires

Regular vehicle maintenance is the key to prevention. Promptly address warning signs like unusual smells, smoke, or fluid pooling under your car. Always respond to dashboard warning lights immediately, as they may indicate a problem. Avoid overloading electrical systems with aftermarket installations unless a professional does them. Keeping your car clean and free of unnecessary flammable items can also reduce risks.

What to Do if a Fire Breaks Out

If your car catches fire, pull over safely, turn off the engine, and evacuate everyone immediately. Move far away from the vehicle and call emergency services. Never attempt to extinguish the fire yourself—your safety is paramount.

At Colling Insurance Services Inc. in Lakewood, CO, we’re committed to helping you stay protected. Contact us today to review your auto insurance policy and ensure you’re covered for unexpected events like car fires.

The Basics of Umbrella Insurance: Is it Right for You?

Choosing the right insurance coverage becomes more straightforward with the right agent. If you’re contemplating umbrella insurance and you’re in the Lakewood, CO area, Colling Insurance Services Inc. is ready to assist. Our agents can provide you with quotes from various insurers and equip you with the necessary information to determine if an umbrella policy suits your needs.

What Does an Umbrella Policy Provide?

An umbrella policy is designed to extend coverage beyond the limits of your other policies. This includes coverage for your home and auto. In the event of a substantial claim, you may find that your policy’s limits are insufficient, potentially exposing you to increased risk. However, umbrella coverage steps where your other policy falls short provide additional protection.

Is Umbrella Coverage Necessary for Everyone?

Contrary to popular belief, umbrella coverage is not exclusive to high-asset individuals. Anyone can benefit from this additional layer of protection, regardless of the size of their personal assets. In the event of a significant claim, knowing that you have adequate insurance to protect you is comforting, as it can also impact your future.

With an umbrella policy, you can put aside worries about potential large insurance claims. Instead, you can concentrate on your loved ones and pursue your life’s passions.

Collaborate with an Agent for Peace of Mind

Contact us at Colling Insurance Services Inc. today if you’re in the Lakewood, CO area and interested in umbrella insurance. We’re eager to answer your questions and will collaborate with you to secure the best policy for your specific needs. Umbrella coverage is an excellent way to enhance your peace of mind.

In Storage or On the Water Boat Insurance can Make a Difference

Boating holds a unique allure for many. It could be the sense of liberation that comes with navigating the open waters or the tranquility induced by the deep blue sea and the rhythmic sound of waves. Regardless of the reason, boating is a passion for many, especially boat owners who invest significant time in maintaining their vessels. This dedication is one of the many reasons why boat owners in Lakewood, CO, and its surroundings trust Colling Insurance Services Inc. for their boating insurance needs.

Boat Insurance: A Safety Net On Land and Sea

A boat is a substantial investment that warrants protection. Fortunately, the right boat insurance ensures your boat’s safety on land or sea. While boating accidents do occur, many boat owners would be surprised to learn how frequently boats are damaged during transport, at the dock, or even while in storage. This is why consulting with a knowledgeable and professional agent to secure the right boat insurance is crucial. It helps prevent your prized possession from becoming a personal disaster.

Boat Insurance Solutions for Boat Owners in Lakewood, CO

If you are a boat owner in Lakewood, CO, or its vicinity and have questions or need protection for your vessel, we are here to assist. Contact us to learn more and schedule an appointment at Colling Insurance Services Inc. today for the coverage and protection your boat requires, whether in storage or on the water.

Extended Care Requires Longterm Care Solutions

It’s never pleasant to require a visit to the doctor or even an overnight stay at the hospital. However, when the problems that require medical care go beyond a typical visit or the occasional overnight stay, these issues can become more than just an unpleasant event or situation. Long-term care solutions are available because sometimes extended care also requires extended help. These are a few reasons why people and families from in and around the Lakewood, CO area rely on the professional and friendly team at Colling Insurance Services Inc. for long-term solutions for their long-term needs.

Long-Term Care Solutions for Long-Term Care Needs

Although nobody likes to think about it, the truth is that preparation can make a world of difference when it comes to injuries and illnesses of the most serious nature. From having a plan in place to the comfort of knowing you have coverage for the care you might need today and for the many tomorrows to come, there is no replacement for the benefits of preparation and having a solution for your long-term care needs. No, we never want to need those plans, but we will be happy to have them if we ever do. That’s why working with proven and professional agents, like the caring and knowledgeable team at Colling Insurance Services Inc., is important.

Get Long-Term Care Solutions in Lakewood, CO

If you live in or around the greater Lakewood, CO area and have questions about long-term care or need long-term health insurance solutions, we can help. Contact us to learn more and get the care, coverage, and protection you need for all your long-term care needs at Colling Insurance Services Inc. today.

Are Life Insurance Benefits Taxable?

Life insurance serves many purposes for many people. More than just a means to handle any debts or bills left behind, for many of us, it’s also a way to leave something behind for those we love and care about. These are a few reasons why people and families in and around the beautiful Lakewood, CO area rely on the friendly and professional team of agents at Colling Insurance Services Inc. for all their life insurance questions, needs, and concerns – like, are my life insurance benefits taxable?

Are My Life Insurance Benefits Taxable? Here’s What You Should Know

Many types of gifts are taxable, which can seem unfair. Now, imagine how it would feel to know that your last gift, your inheritance, and one of the last expressions of love you will make – comes with taxes. Here’s the good news: In most cases, your life insurance benefits aren’t taxable. Here’s the important news and what you need to know: To ensure your benefits aren’t taxable, you should talk to an experienced and reputable agent about all your life insurance questions, needs, and concerns.

Find Life Insurance Solutions in Lakewood, CO

If you live in or near the Lakewood, CO, area and have questions or would like to learn more about life insurance solutions, our knowledgeable and professional team of agents at Colling Insurance Services can help. From caring for those you love to taking care of end-of-life planning, our team can help with all your life insurance needs. Contact us to learn more and schedule an appointment today for the life insurance solutions you deserve at Colling Insurance Services Inc.

Is Dental Insurance Worth It? What Does It Cover?

Maintaining clean, healthy teeth requires regular visits to the dentist. However, the cost of dental care can be a barrier for many people. This is where dental insurance comes in. Dental insurance can make dental visits more affordable, helping you maintain healthy teeth and gums. At Colling Insurance Services Inc., servicing Lakewood, CO, we’re here to help. Here’s what you need to know.

The Advantages of Dental Insurance

Dental insurance comes with numerous benefits:

  • Makes dental visits more affordable: Dental care can be expensive, but it’s far more affordable with dental insurance.
  • Helps maintain oral health: Many dental insurance policies prioritize preventive dental care, helping you keep your teeth clean and gums healthy.
  • Dental insurance covers a range of services. It is flexible, with some policies offering more coverage than others. Your insurance agent can help you find the right policy for your needs.

What Does Dental Insurance Cover?

The coverage provided by dental insurance varies by policy. Most policies cover preventive maintenance like teeth cleaning and x-rays. Some policies cover restorative dentistry, like cavity fillings and root canals. Others also cover orthodontics like braces. You’ll need to speak with your insurance agent to find out what your dental policy covers. If you’re shopping for a dental insurance policy, your insurance agent can help you find the best policy.

Looking for Dental Insurance? Contact Us

At Colling Insurance Services Inc., servicing Lakewood, CO, we provide dental insurance to our clients. We can shop around to help you find a policy that fits your budget and ensures the right type of coverage for your needs. Call today to speak with one of our agents and get started.

Health Insurance for When Your Health Matters Most

Insurance plays a crucial role in safeguarding our property, assets, health, and everything we hold dear. It provides a safety net for everyone, from paycheck-to-paycheck earners to the well-established, offering solutions for accidents, tragedies, or unexpected events. This is why people from all walks of life in Lakewood, CO, trust the professional and friendly team at Colling Insurance Services Inc. for their health insurance needs and solutions.

Health Insurance: A Necessity in Times of Need

Health insurance is beneficial for everyone, regardless of their financial status. It assists those who depend on their health to work and those who face extensive healthcare expenses. Given the high costs of healthcare services and procedures, it’s essential to have a plan that covers your needs. At Colling Insurance Services Inc., we work with people from all walks of life to find the right plan, coverage, and insurance for their needs. Healthcare is important, and health insurance makes it affordable, practical, and attainable.

Exploring Health Insurance Options in Lakewood, CO

If you reside in the greater Lakewood, CO area and have questions or want to learn more about health insurance, we can help. Our experienced and knowledgeable team of agents at Colling Insurance Services Inc. is ready to answer all your questions and assist with your health insurance coverage needs. Contact us to learn more and schedule an appointment for the protection and solutions that only insurance can provide at Colling Insurance Services today.

What Type of Injuries Exempt You from Getting Workers Compensation

In Lakewood, CO, workers’ compensation provides medical care options and wage replacement for employees dealing with work-related illnesses or injuries. However, not all injuries qualify for these benefits. Certain situations and types of injuries may exempt you from receiving workers’ compensation.

Understanding the Scope of Employment

An injury must occur while performing job-related duties to qualify for workers’ compensation. Injuries that happen outside the scope of your employment, such as during your commute to and from work, typically do not qualify.

Exclusions for Self-Inflicted Injuries

Workers’ compensation benefits usually exclude injuries intentionally caused by the worker. The claim will likely be denied if an employee deliberately harms themselves or stages an injury to receive compensation. Additionally, workers engaging in reckless or dangerous behavior, such as fighting with coworkers or violating safety protocols, may also be exempt from benefits if the injury results from these actions.

Impact of Intoxication or Drug Use on Claims

Workers injured while under the influence of drugs or alcohol are generally ineligible for workers’ compensation. If an investigation reveals that intoxication played a significant role in causing the injury, the claim may be denied. Some employers may require drug testing after an accident to confirm whether substances were involved.

Criteria for Mental and Emotional Injuries

Not all mental or emotional conditions qualify for workers’ compensation, especially if they are not tied to a specific physical injury or traumatic work-related event. Without a tangible connection to the job, psychological stress alone often does not meet the criteria for benefits.

Colling Insurance Services Inc. – Your Guide to Insurance

Colling Insurance Services Inc. provides comprehensive answers to your insurance questions. We serve Lakewood, CO, and surrounding cities. Contact us today.

Three Reasons to Keep Your Commercial Space Landscaped Regularly

As a business owner, maintaining your property’s outward appearance, including its landscaping, is one of your responsibilities. While it may seem like a minor service, there are three key reasons why regular upkeep is essential.

1. Pest Prevention

Regular landscaping maintenance makes it difficult for unwanted pests to nest and get comfortable on your property. Areas that are neglected or poorly managed areas can easily become habitable by rodents and insects, leading to unwanted pest issues inside and outside your property. This can potentially damage the products or services you offer to your clientele.

2. Ensuring Cleanliness and Safety

Proper landscaping keeps the area looking clean and well-maintained. It helps prevent mildew build-up on the property, keeps dirt from accumulating on the building, and ensures walkways are clear and plants are under control. This makes your property safe and accessible for your employees and clients. Regular maintenance also allows you to identify and address any developing issues quickly.

3. Upholding a Good Reputation

Businesses that take care of their property are likely to maintain a good reputation and attract new clients. The outward appearance of your commercial property is a real-time advertising tool that can either attract new clients or deter them. Neglecting your landscaping can make your property appear abandoned and harm your reputation in the community.

If you are in the Lakewood, CO area, contact Colling Insurance Services Inc. for a commercial insurance quote today. We can assist you with required policies and other recommendations suitable for your type of business.

Know the Exclusions Before Filing Home Insurance Claims

Home insurance for residents living around Lakewood, CO, and surrounding regions is designed to provide financial protection during unexpected disasters. Still, it’s crucial to understand that not every situation is covered. Knowing what your policy excludes before filing a claim can save you from unpleasant surprises during a crisis.

Common Home Insurance Exclusions

While home insurance covers many perils, such as fire, theft, and certain natural disasters, there are common exclusions that homeowners should be aware of. Most standard policies do not cover damage caused by floods or earthquakes. These natural events typically require separate insurance policies, such as flood insurance or earthquake insurance. Additionally, normal wear and tear or neglect that leads to damage is not covered. Insurers will not pay for repairs if a home deteriorates over time due to lack of maintenance.

Another common exclusion is damage caused by certain types of mold, pests, or infestations. Many policies specifically exclude damage caused by termites, bed bugs, and rodents. Homeowners may also be responsible for any damages due to gradual leaks that were not promptly addressed.

The Importance of Reviewing Your Policy

Understanding exclusions in your home insurance policy is essential to avoid denied claims when you need most assistance. Reading through the fine print or discussing your policy with your insurance agent can help you clarify what is and isn’t covered. If your home is at risk for specific events that are excluded, such as flooding or earthquakes, you may need to purchase additional coverage.

Colling Insurance Services Inc. For Better Understanding of Insurance

Colling Insurance Services Inc. offers all of the information you need to get insurance. Our agency serves the locations in and near Lakewood, CO. Contact us today.