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All-Star Insurance Brokers Inc

2821 S Parker Rd Suite 455
Aurora, CO 80014

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How Auto Insurance Protects Against Theft and Vandalism

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Many car owners face auto theft and vandalism. At All-Star Insurance Brokers Inc., we provide insurance products, including auto insurance, in and around Aurora, CO. We aim to ensure you’re well-protected against these risks with the right auto insurance coverage.

Comprehensive Coverage Explained

Comprehensive auto insurance is your best defense against theft and vandalism. This type of coverage is designed to pay for repairs or replacement if your automobile sustains damage due to vandalism or is stolen. Whether it’s a broken window, stolen stereo, or even if the entire vehicle goes missing, comprehensive coverage steps in to ease the financial burden, allowing you to focus on getting back on the road.

Understanding the Claims Process

If you experience theft or vandalism, the claims process is straightforward. First, report the incident to the police and gather any relevant documentation. Next, contact your insurance company to file a claim. Having comprehensive coverage means you can expect assistance with repairs or replacement, subject to your policy’s terms and deductibles. This support can be invaluable during a stressful time.

Preventive Measures Against Auto Theft and Vandalism

While insurance helps to protect you, taking preventive actions is also recommended. Parking in well-lit areas, using anti-theft devices, and being vigilant can minimize your chances of theft or vandalism to your vehicle. Being proactive and having a full coverage insurance policy help protect you.

Secure Your Vehicle Today

Don’t wait until it’s too late to ensure your car is protected. Contact All-Star Insurance Brokers Inc., serving the greater Aurora, CO, region, to discuss your auto insurance options. Our knowledgeable team is ready to help you find the best coverage to safeguard your vehicle against theft and vandalism. Reach out today and drive with confidence, knowing you’re protected.

ATV Safety Tips for a Safer Summer

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At All-Star Insurance Brokers Inc., we’re well aware that summer in Aurora, CO, signifies outdoor adventure, including riding all-terrain vehicles (ATVs). Despite the thrill they offer, these off-road, four-wheeled motorized vehicles also pose significant risks.

The Risks Associated with ATVs

We’ve previously addressed the dangers of ATVs in our blog on recreational toy facts, noting their high rate of accidents. The U.S. Consumer Product Safety Commission (CPSC) reports approximately 800 annual deaths and about 100,000 severe injuries linked to ATV accidents.

Safety Tips for a Safer ATV Ride

Today, we’re providing safety tips that ATV owners can follow to decrease potential risks while using ATVs. This, in turn, could minimize claims on your recreational insurance. Our suggestions come from the ATV Safety Institute and the CPSC.

  • Always wear the recommended safety gear, including a DOT-compliant helmet and goggles.
  • Dress in long pants and a long-sleeved shirt, and wear over-the-knee boots when you ride.
  • Make sure to use driving gloves.
  • Avoid driving on paved roads. Use ATVs only on designated trails, typically made of dirt or grass. If a paved road must be crossed, only do so in marked legal areas.
  • Maintain a safe ATV speed.
  • Remember to seat only one person on a single-seat ATV and strictly two individuals on a two-seat ATV. Never exceed the maximum passenger limit specified by the manufacturer.
  • Ensure the ATV suits the rider’s age group. Youth should not be riding adult ATVs. Instead, make a youth model ATV accessible for each child or teen rider.
  • Supervise riders younger than 16 years old during their ride. Data from 2018 to 2020 reveals that 300 fatalities were children aged under 16.
  • Never drink and ride. Avoid operating an ATV under the influence of drugs.

Before riding an ATV, consider taking a hands-on training course from a certified instructor. The ATV Safety Institute offers a free online course to kickstart your learning journey.

Contact Us Today

At All-Star Insurance Brokers Inc., we hope you never need to file a claim on your recreational insurance policy. While ATVs are commonly referred to as motorized toys, they should not be taken lightly. Adhering to necessary precautions is vital to riding safely. Contact us today to ensure your ATVs are safe and take the first step toward ensuring safety.

Liability requirements for motorcyclists in Colorado

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Motorcycle Insurance Requirements in Colorado

In all states, including Colorado, motorcycle riders are obligated to acquire a particular type of insurance coverage before they take their vehicles on the road. Failing to have sufficient insurance coverage can lead to penalties such as fines, especially within Aurora, CO. Therefore, each motorcyclist should have a comprehensive understanding of compulsory liability coverage. Provided by All-Star Insurance Brokers Inc., the standard liability insurance offers the following:

  • Bodily injury coverage, providing a $25,000 coverage per individual
  • Accident coverage, with a maximum limit of $50,000
  • Property damage coverage estimated at $15,000 per accident

Additional Versus Minimum Coverage

The coverage outlined above serves as the minimum requirement by the law in Aurora, CO, and other regions within the state. Nonetheless, motorcyclists can opt for broader coverage. Policies such as collision, comprehensive, uninsured motorist, and medical coverages are available for additional protection against losses. Even though they are not a legal obligation, such coverages ensure you are fully prepared for substantial losses.

Acquiring More Information

Agents at All-Star Insurance Brokers Inc. can provide more insights into the different coverage options and help you set up a policy. Contact us today to get started.