Six locations to serve you better... Martinsburg, Ranson, Inwood, Parsons, Terra Alta WV & Oakland MD|ronnie@fargoins.com
Blog2018-08-21T17:14:29+00:00

Our Blog

Insurance tips and information: 16 things to carry in your car.

16 Things You Should Have In The Trunk Of Your Car

  1. Jumper cables. Because dead batteries are a fact of life. … or Battery pack jumper cables.
  2. First aid kit. For minor wounds and for minimizing damage until EMTs can arrive.
  3. Kitty litter
  4. Spare tire
  5. Jack
  6. Lug wrench
  7. Air pump
  8. Tire pressure gauge
  9. A durable multitool, ie…Swiss Army knife or Leatherman tool
  10. Hazard triangle/flares
  11. Safety vest
  12. Blanket
  13. Fire extinguisher
  14. Tow strap
  15. Duct tape
  16. Flashlight/flashlights

 

By |January 17th, 2019|Categories: Uncategorized|0 Comments

Insurance tips and information: Collector & Classic Car Insurance

Classic

You know what’s best for your classic car under the hood – but what about the best classic car insurance? The FIG has you covered with collector car insurance designed for the unique needs of classic car collectors.

Does your vehicle qualify for classic car insurance?

To qualify for collector car insurance you must meet the following requirements:

Usage: Our policy allows you to use your collector vehicle for club functions, exhibitions, organized meets, tours and even occasional pleasure driving. As long as it’s not your daily driver, it qualifies for classic car insurance.

Storage: To qualify for classic car insurance, vintage vehicles generally must be stored in a private, enclosed, secure structure when not in use. Appropriate storage examples include:

  • Private residential garages
  • Private pole buildings or barns
  • Rental storage units

Regular-use vehicles: All household members with a valid driver’s license must have a regular-use vehicle for daily driving to qualify for classic car insurance. Motorcycles and public transportation are not considered regular-use vehicles by our program in most cases.

Classic truck coverage: Collector trucks can also be covered by classic car insurance. We understand that you might have different uses in mind for a truck, which is why we offer specialized collector car insurance coverages. Talk to your agent about how hauling and towing can be considered on a limited basis under a classic car policy.

Available classic car insurance coverages

Collision: Although classic cars aren’t for daily use, accidents can still happen. Whether it’s a collision with another vehicle or another object, your classic car policy may reimburse you for the damages.

Theft: In the unfortunate event that your classic car is stolen, Nationwide collector car insurance can cover you for the full amount specified on your policy.

Other Damage: Unexpected damage such as fire and vandalism may be covered under your vintage car insurance policy as well.

Additional classic car coverages and benefits: You can also get specialized coverage for automobilia, automotive tools, spare parts ($750 included at no charge, $0 deductible), Vehicle Under Construction endorsement, Traveling Collector endorsement.

Contact someone today at The FIG for a quote on your classic car.

By |January 14th, 2019|Categories: Uncategorized|0 Comments

Insurance tips and Information: 9 Essential things every homeowner should have

  1. Wet-Dry Vacuum
  2. The correct fire extinguisher
  3. Extension chord
  4. Tool kit: stud finder, handsaw, ratchet set, Pry bar
  5. Headlamp
  6. Emergency preparedness kit: cash, food, water, coins, medication, flashlight, batteries, first aid kit, matches, sleeping bags and change of clothing.
  7. Ladders: small and tall
  8. Smoke detectors
  9. A fire escape plan

 

By |January 10th, 2019|Categories: Uncategorized|0 Comments

Insurance tips and information: ATV Insurance

 

ATV

What are a few things to consider when purchasing ATV insurance?
Like many of life’s more adventurous pastimes, owning and riding an ATV is not free of risk
The risks of riding an ATV are very different than driving a car. There is less chance of a collision with another vehicle on an ATV; however, the terrain is more dangerous, with unexpected obstacles including rocks, trenches and trees on back roads.

ATVs are not the same – varieties include those with three, four, six and even eight wheels. The size of the vehicles can range from as small as 500 cubic centimeters (cc) for younger children to more than 1,000 cc for larger ATVs for transporting up to six people. Added to these differences is the intended use of the ATV. Some are utility vehicles used in the agriculture and ranching industries for work purposes; others are made for sportier pastimes, with ample suspension to handle bumps and quick turns.

Not surprisingly, the insurance policies absorbing third-party property damage and bodily injury risks as well as first party injuries and vehicle damage or theft are equally diverse.

ATV owners should be familiar with their state’s insurance regulations governing ATV ownership. For instance, many states require drivers to have liability insurance, though not all do. An insurance agent who understands the risks of ATV ownership may advise drivers to purchase this insurance coverage, given the possibility of steep financial losses.

The types of coverage vary. Liability coverage addresses bodily injury and property damages to others if the policyholder is found to be at fault in an accident.

Collision insurance generally covers damage to the ATV if the owner hits another vehicle or another vehicle collides with the owner’s ATV. Comprehensive coverage pays for damages to the ATV not caused by a collision, such as those from vandalism and falling objects. Losses due to fire, floods, other natural disasters, and theft are also absorbed.

Another crucial coverage is uninsured or underinsured motorist insurance to protect owners from the possibility of other drivers lacking liability insurance, or not having enough insurance, or funds to pay for the owner’s and his or her passengers’ injuries and damages. Other typical coverages include medical payments that may absorb the resulting cost from a covered accident, regardless of fault, and original equipment manufacturer (OEM) endorsements ensuring that damaged vehicles are repaired with new parts from the OEM.

An insurance agent can assist ATV owners with these complex decisions while pointing out possible ways to reduce the insurance premium. For instance, some insurers, including Nationwide, offer ATV insurance discounts on its policies.

Even the world’s best ATV riders know accidents happen. By having one’s net wealth protected with superior insurance coverage from The FIG, riders can relax and enjoy the pleasures of off-road adventures.

 

All information provided by Nationwide Insurance Companies.

By |January 8th, 2019|Categories: Uncategorized|0 Comments

Insurance tips and information: Is RV insurance required?

If you currently own or are considering buying a recreational vehicle (RV), you are likely asking yourself: do I need RV insurance? Like auto insurance, coverage for your recreational vehicle is required. Many states require uninsured or underinsured insurance, and every state requires minimum liability coverage if the vehicle is driven on the road.
If your state requires at least 20/40/10 in liability coverage, for instance, then you need bodily injury insurance that covers $20,000 per person, $40,000 per accident, as well as $10,000 per accident for property damage.
Keep in mind that state minimum liability limits apply to vehicles that are self-propelled. On a towable RV, such as a 5th wheel, camper or travel trailer, the liability extends from the tow vehicle.

Also, state minimum liability limits may not be sufficient for your situation. It’s important to have sufficient coverage to protect your assets in a serious accident or lawsuit. Without enough liability coverage, you risk going into debt or losing the things you’ve worked hard for – your home, car, RV, personal possessions and life savings.

Standard coverages for motorhomes and RVs
Some basic insurance coverages for motorhomes and RVs include:

  • Bodily injury liability, which helps pay for bodily injury damages you may become legally liable for as a result of an accident. This includes paying for an injured party’s medical bills and loss of income, up to your coverage limit.
  • Property damage liability, which helps pay for damages to another person’s vehicle or property you, may become legally liable for as a result of an accident.
  • Uninsured/underinsured motorists coverage, which reimburses you for injuries or damages (up to your coverage limits) caused by a driver who doesn’t have enough – or any – liability insurance.
  • Medical payments, which helps pay medical expenses for you, your family household members and your passengers due to accidental bodily injury while occupying your RV, no matter who is at fault.
  • Comprehensive, which provides coverage for loss to your RV not caused by collision, such as damage caused by contact with animals, falling objects, vandalism, theft, fire or hail.
  • Collision, which pays for damage to your RV if you hit another vehicle or object, another vehicle hits you, or your RV rolls over.

Coverages for motorhomes and RVs

  • Custom equipment, which includes coverage for aftermarket parts and equipment that were not originally installed by the manufacturer.
  • Safety glass replacement, which provides coverage for the repair or replacement of the windshield.
  • Awning replacement, which provides coverage to replace an awning destroyed in a covered loss with a brand-new awning.
  • Vacation liability, which provides liability coverage for bodily injury and property damage while your RV is being used as a temporary residence.
  • Physical damage settlement options, which include 1) the vehicle’s actual cash value, 2) the agreed value shown on the policy or 3) the total replacement cost, which would replace your RV with a new one in the event of a total loss during the first five model years.
  • Roadside Assistance, which provides towing to the location of your choice, up to 100 miles from the location of disablement. It also provides emergency roadside services, which include extraction (if stuck on or within 100 feet of a road or highway), delivery of supplies (including oil, water and other fluids), service to the battery, changing or inflating of flat tires, lockout service and fuel.
  • Full Timers Package, which provides protection if you use your RV as a permanent residence and do not own or reside in another dwelling.

 

By |January 3rd, 2019|Categories: Uncategorized|0 Comments

Insurance tips and information: A list of things you should pack when traveling

and it’s not your cat…

  • Power adaptor/chord for whatever countries you may be visiting
  • portable power banks
  • an empty bottle, approx. 3 ounces
  • Toweletts
  • A quick dry towel
  • a packable backpack
  • trash bags
  • lip balm
  • Dryer sheets for your shoes and closets
  • extra charging chords
  • Printed and digital photos of your passport

 not groceries either…

By |January 1st, 2019|Categories: Uncategorized|0 Comments