United States Insurance Group

“If everything seems to be under control, you’re not going fast enough.”

Anyone who drives your vehicles regularly, especially if they live in your household, should be listed as drivers on your policy.

Limit of liability is the maximum amount your insurance company has to pay for a claim. Always make sure to refer to your individual policy to understand your policy limits.

ATV insurance is very similar to motorcycle insurance. All-terrain vehicles are three, four or six-wheeled buggies used off-road. 4x4 insurance has the same basic coverages included in the motorcycle insurance policy, tweaked for the needs of off-road enthusiasts.

Parking tickets are not considered motor vehicle violations. However, failure to pay parking tickets can result in a suspension of driving privileges, which can affect eligibility.

An object in motion tends to remain in motion along a straight line unless acted upon by an outside force.

Builder's risk insurance usually is in the name of the contractor or the property developer, but it could also be in the name of the property owner if he is responsible for insuring it while the property is under construction. Both commercial and residential construction sites might be covered under a builder's risk insurance policy.

The basic BOP offers business property for both building and contents, and liability insurance protection for the operation of your business. This liability protection will generally include both the operation of your business, at its established location, and the liability from your products or completed operations.

Quick Tip: If you have several personal watercraft, you may qualify for a multi-boat discount on your insurance. Additional coverage can also be purchased for trailers and other accessories.

Fast Fact: Classic cars are usually considered antique vehicles (15-20 years old or older).