Why do I Need Motorcycle Insurance in Lakewood, CO?

Motorcycle insurance is a necessary protection for the motorist and anyone that they may hurt, as well vehicles that they may potentially damage on the road. A motorcycle insurance policy will back you financially in case of an accident, damage, or loss or theft of your motorcycle. Coverage is applicable to choppers, street bikes, mopeds, and Segways. Colling Insurance Services Inc. understands the ins and outs of motorcycle insurance and can guide you toward purchasing the right policy for your bike.

What Will a General Motorcycle Insurance Policy Cover?

A general motorcycle insurance policy will cover some costs incurred with damages and compensation if you cause damage or harm to another person and/or their property. Motorcycle insurance will also cover legal fees, including at-fault liability claims and judgments. Claims are covered only up to the limit of your policy amount.

Motorcycle insurance policies are customizable and can be done so to include medical payments, full replacement of your motorcycle, comprehensive coverage- which covers damage or loss outside of accidents, as well as theft, uninsured riders and more. Insurance coverage should be picked according to your bike type and usage- the riskier the vehicle and the more frequently it is used, the more insurance you will require.

What is Not Covered by a General Motorcycle Insurance Policy?

Because motorcycle insurance policies can be tailored, there is a lot that can potentially be covered by your policy. However, there are instances where your insurance will not cover you whatsoever. That is in the case of using your motorcycle to race or perform stunts, causing intentional bodily harm or damage to someone’s property, using your vehicle to perform deliveries or act as a taxi service, or committing crimes.  

Colling Insurance Services Inc. caters to the Lakewood, CO community and can help you figure out the best policy for your motorcycle. Contact one of our experienced agents today to get started. 

Dental work can be expensive in Lakewood, CO, so dental insurance can make sense for you as long as you understand what is being covered. This allows you to still see the dentist you prefer.

Many people don’t think insurance is worth it because you don’t come out ahead, and dental insurance is not a type of insurance that you are required to have, but there are a number of benefits.

Dental insurance emphasizes prevention, so typically two exams a year, x-rays cleanings and fluoride treatments are covered. This helps increase the chances that those with insurance will actually visit the dentist. Preventative care saves a lot of money in the long run. For those that need treatments, such as fillings, root canals and crowns, you won’t have to dig into your savings account and you’ll pay a lot less for any treatment that is needed. As adults get older, they may need more work on their teeth, which makes dental insurance worth the cost.

There are different types of dental insurance plans, and the best way to find one that works for your situation is by speaking with an agent at Colling Insurance Services Inc. An agent can help you decide if a PPO or HMO plan is better for you. HMO plans usually restrict coverage to dentists within a limited network. PPO plans allow patients to see dentists that are outside the network, but are charged much lower rates if they see a dentist that is within the preferred network. There are some waiting periods with dental insurance, so it’s important to get insurance before you need a cavity filled or some other dental work. You aren’t able to sign up for insurance just when you have an emergency.

Contact an agent at Colling Insurance Services Inc. serving Lakewood, CO to discuss dental insurance options.

With so many varied types of recreational vehicles, sometimes a single policy may not handle the different types of RVs (fifth wheels, motorhomes, travel trailers and pop-up campers). Usually, RV insurance may be required depending on the kind of RV you own. Read on to know more basics about this kind of insurance provided by insurers like Colling Insurance Services, Inc. serving the Lakewood, CO area.

RV insurance coverage comes handy for campers and motorhomes. What’s more, RVs come in different sizes and shapes. All vehicles driven on the road must be insured, including motorhomes. Note that there is a minimum liability your state requires for you to drive your RV legally.

Is it required?

Camper and RV liability insurance is needed in every state, including Colorado. The state also requires underinsured and uninsured motorist coverage for the following conditions: 

• When you buy a camper, travel trailer or RV             
• If you are living in the RV full-time
• When you use a rented RV for a vacation
• When you use the RV part-time

Are you wondering if your auto insurance or homeowners insurance offers enough coverage for your RV? The answer is no. Your camper, travel trailer, or RV requires a separate insurance plan.

What is covered?

RV insurance usually includes the following:

• Collision –the plan covers losses if you collide with other vehicles (no matter who is at fault) or a stationary object.
• Liability –this will cover expenses of property damage, bodily injury, and legal cost in case you are at fault.
• Comprehensive –this policy covers the cost of fire and smoke, collision, lightning hail, flood, animals, theft, windstorm, vandalism as well as overhangs or low branches.

Underinsured and uninsured and motorists –this will cover you, and the passengers should be a person who lacks enough or doesn’t have insurance cause an accident.

Some insurance companies can also provide additional coverages like:

• Vacation or campsite liability
• Total loss replacement
• Attached accessories
• Towing and roadside
• Emergency expenses
• Personal effects

Consult with your Lakewood, CO insurance companies such as Colling Insurance Services, Inc. to get more details regarding your RV coverage options.

As a motorcycle rider, you may wish to take family, friends or loved ones out for a ride sitting behind you, if your bike allows for it. But one of the questions that we at Colling Insurance Services Inc. serving the greater Lakewood, CO are often asked is whether motorcycle insurance will cover passengers if they are injured while going out for a ride. Read on to find out the answer. 

Will Motorcycle Insurance Cover Passengers?

Motorcycle insurance will cover any passengers that are riding on a motorcycle with you. If the accident is caused by someone else, their insurance will pay the medical expenses before your insurance kicks in, if you surpass the limits of their policy. If you were at fault for the accident, your insurance will pay. 

Why Having the Right Coverage Limits is Important?

Having the right coverage limits is important whether you are riding alone or with a passenger. Having the right coverage limits helps to ensure that your insurance will cover all of the medical expenses in the event of an accident. Having the right coverages helps to ensure that you are covered if an uninsured or under-insured driver hits you, or helps to ensure your coverages are high enough if you are at fault for the accident and you and your passenger sustain many injuries. 

Having the right motorcycle insurance coverage is extremely important. If you have questions about your coverage or want to learn more about whether it is too low, contact Colling Insurance Services Inc. serving the greater Lakewood, CO today. We can sit down with you and help you determine how much covers you need. 

Are you planning a summer boating adventure that lasts more than a week? Long trips give you time to truly relax and enjoy the solitude of open waters. But they also present unique challenges when deciding what to pack. Space is often limited, so cargo must be planned out thoroughly. Colling Insurance Services Inc. in the Lakewood, CO area wants you to get all the pleasure you can from your marine vacation. Use this guide to help choose what you bring out on the water.

• Don’t overdo it on clothing. Unless you plan on spending a lot of time at ports, you won’t need much more than several sets of comfy swimwear, shorts, and t-shirts. Bring one or two formal outfits for nights out on the mainland.
• Snorkels, fishing poles, and other sports gear should be packed last. That way you won’t have to waste time searching for them under a mound of supplies when it’s time to play.
• Make sure your first aid kit is up-to-date. Include extra supplies of current medications and over-the-counter remedies you may need.
• Keep a copy of your current boat insurance policy on board for emergency reference. Place it in a safe, waterproof container with your satellite radio, flashlight, flares, and other emergency equipment.
• Limit grooming products to the absolute necessities. Multiple people can share products to save space and limit clutter.
• Plan your food stores. If you won’t be making any restocking stops, make sure you have enough to keep everyone happy by writing out your daily meals.

Colling Insurance Services Inc. provides boat insurance policies for residents around the Lakewood, CO area. Contact us to learn how boat insurance can make your summer adventure safe and carefree.

Any business needs to be protected appropriately. As a small business owner, you should know that your business requires the right insurance coverage to safeguard it against financial losses that may happen. Therefore, having an umbrella insurance policy is a necessity for every small business. Umbrella Insurance policy not only covers your assets and business from personal liability but also works as an alternative to an individual’s coverage such as auto insurance.

 It offers the much-needed extra protection to your business in case your standard liability policy limit is exceeded. Colling Insurance Services Inc. provides comprehensive umbrella insurance policy for small businesses in Lakewood, CO. Here are three reasons why you should have comprehensive umbrella insurance for your small business.

Pays for Losses In case of a Lawsuit

When your small business is facing a lawsuit, then an Umbrella insurance policy can help to protect your small business whenever the losses exceed your protection limit under your standard business liability policy. It also covers the bodily injuries caused to any individual on your business premises or as a result of your business operations and processes.

Protects Your Assets

Without umbrella insurance policy, you will be responsible when your normal liability insurance limit is exceeded. You may end up selling your business assets and personal belongings to cover for liability if your business lacks a commercial umbrella policy. As a business owner, that is something you cannot afford to do. Therefore, the only way of safeguarding your business assets is by purchasing a comprehensive commercial umbrella policy that will come into play when your liability limit on the standard business insurance is exceeded.

Covers Your Business Vehicle with Additional Liability

Typically, commercial umbrella insurance will provide financial protection where your general business liability insurance cant. For instance, your standard commercial insurance policy may feature limitations on who can drive your business vehicle and where the car can be driven. If your business vehicle is operated outside the limitations of the policy and is involved in an accident, your provider won’t cover the expenses. This is where your commercial umbrella policy comes in to help you.

Are you a business owner in Lakewood, CO? Contact Colling Insurance Services Inc. for a commercial umbrella policy.

The best and easiest way to maintain a healthy and beautiful smile for life is by getting dental insurance coverage. However, unlike a visit to the dentist, deciding on what dental policy to take can be challenging. Colling Insurance Services, Inc. ensures that Lakewood, CO residents get sufficient dental coverage by listening to their needs and providing useful information. Before settling for dental insurance coverage, here is what you need to consider:

What is catered for?

Before getting dental coverage, it is advisable to read the fine print and understand what is provided and what is not. Dental policies, unlike other insurance policies, have a wait time before they can cater for major dental services such as crowns and root canals. As you decide on particular coverage, understand how much time it will take.  Most policies provide basic services such as cleaning, X-rays and preventive exams, but it is wise to know whether the policy goes beyond to cater for cosmetic dental services. With such information, you are in a position to make a sound decision based on your dental requirements.

Deductible and co-pay amount

Since no dental coverage caters for all dental service, you will be required to dig in your pocket when you visit a dentist for certain services such as tooth extraction and fillings. As such, it is advisable to understand the limits of each and settle for one that is reasonable given your dental service requirements and that of your family.

Preferred dentist

If you already have a preferred dentist, determine whether they accept coverage you are about to get. Also, determine if the policy allows you to choose your dentist.  This will save the time of searching for a new dentist, and if you have not settled for one, get the one who falls under your insurance network in Lakewood, CO.

If you need more information on dental insurance, contact or visit Colling Insurance Services, Inc. in Lakewood, CO. we have qualified and experienced insurance experts who will answer any of your questions. Visit our site and get started with dental insurance suitable for your needs.

It is Colorado state law that all employers that have one or more employees must provide worker’s compensation insurance. There are a few exceptions to this rule, which may include a sole proprietor with no employees, a general working partner, a corporate officer, and a member of a limited liability company. Check with your insurance agent if you have questions in this regard.

The quality of this coverage and the agency that provides it may differ substantially. Colling Insurance Services, Inc. serving Lakewood, CO and the surrounding area offers worker’s compensation insurance coverage for businesses of all sizes.

If an employee suffers an accident and is injured while on the job, then worker’s compensation insurance coverage will help with the medical bills and wage replacement for the time off needed for recovery. If an employee is killed while on the job then a death benefit is payable to their family. Coverage limits, procedures, and rules are set by state law; however, you do want to work with an insurance agency that understands the filing process and is very familiar with processing worker’s compensation insurance claims.

The Colorado Division of Worker’s Compensation is organized under the Colorado Department of Labor and Employment. The division advises business owners to read worker’s compensation policies and disclosures carefully, identify the services provided by the insurance company, consider a deductible, and maintain a good loss history by having a safe working environment.

The Colorado Division of Worker’s Compensation enforces the worker’s compensation laws and resolves disputes between an employer and an employee over worker’s compensation claims. The division also has an appeals board that handles disputes between an employer and an insurance company that provides worker’s compensation insurance coverage.

Contact Colling Insurance Services, Inc. serving the Lakewood, CO area, for all your worker’s compensation insurance needs.

People in the vicinity of Lakewood, CO view the task of changing a motorcycle’s oil from all angles. Some enjoy connecting with their ride and getting dirty. While others  panic at the thought of holding a wrench and becoming a greasy, oily mess.

The anxiety generated by those dreading this necessary maintenance task directly conflicts with a fundamental reason for Riding a Cycle: It Relieves Stress.  And if you love driving the terrain of the communities surrounding Lakewood, CO, contact Colling Insurance Services Inc. to meet all of your insurance needs.

Familiarize yourself with your motorcycle by:

Reading and Researching

Have you ever heard the old adage that ‘If one can read, one can cook? This exact sentiment holds true for a variety of issues we encounter throughout our daily lives, and, as such, this includes the art of changing a motorcycle’s oil.

The owner’s manual describes this information using broad strokes, but it is a great starting point. Here is where you find the basic specifications regarding your motorcycle. To find a more in-depth analysis, check out the Workshop Manual issued by the bike’s manufacturer. If you prefer to talk to an insurance expert, contact the professionals at Colling Insurance Services Inc.

Be organized

Start your own maintenance log. Be smart and record the bike’s specs you found from the workshop manual, so they are easily accessible. Also include:

• The Date
• The Type and Quantity of Oil
• Notes you want to remember for the next oil change  

Use the right tools

Be flexible

As with anything new, it make take some time to acclimate yourself to the nuances of your bike. Be patient and ask for help.

Allot for Time Appropriately

Give yourself ample time any unforeseen snafus or interruptions.

Your RV (recreational vehicle) provides you with safe travels and fun times as you explore both new and familiar places. Make sure you protect your investment by adequately insuring your RV. You do that with your RV insurance policy, which applies to vehicles like motor homes, travel trailers and fifth wheels. Here’s what you need to know about this essential type of coverage that is like a mix of automobile insurance and home insurance all rolled into one.

What RV Insurance Covers

As is true for any insurance, RV insurance has specific things it covers. They include:

– Your personal belongings inside the RV, such as if they are stolen
– Any special equipment such as generators and appliances
– Roadside assistance services, such as towing
– Replacement cost of the vehicle if necessary, depending on various issues like the age of the RV
– Liability at a campsite
– Collision and comprehensive for problems like theft, flood and fire
– Protection for accessories that are permanently attached to the RV 
– Accidents such as if a guest slips and falls in the RV

Additional Covered Items

Although that list of what’s covered under RV insurance is long, there are still more items that are popular to add to RV insurance coverage. They include:

– Repair of awnings on sides of the RV
– Coverage of injuries and property damage, which can be included under trip insurance coverage
– Injuries to pet in the RV
– Damage to trailers or golf carts being towed behind the RV

Now that you know about RV insurance and what it covers, it’s time to make sure you have the proper RV insurance coverage. If you need insurance for your RV, we at Colling Insurance Services Inc. serving Lakewood, CO can certainly help. Give us a call today so we can explain the options.