Maryland Recreational Vehicle Owners: Stay Safe, Stay Insured

Camping is a great activity nationwide, no matter if you are in California or in Maryland. For as fun as it is, there are a lot of precautions that you must take before you go out. Specifically, if you are bringing a recreational vehicle out on the road, you need to make sure that you have the proper insurance to legally drive it. Every state handles insurance and registration differently, which can complicate things beyond a point that is reasonable. That’s where Ramsey Insurance comes in, to clear up all of the vague details.

In order to drive an RV, you of course need to have basic automobile insurance, so at least in that respect it is not too much of a hassle to get your RV properly insured. However, there are absolutely some extra layers involved in getting everything set up. In addition to proper automobile insurance, you will be expected to pay an extra fee to get your RV registered. How much extra you will need to pay is ultimately up to a variety of factors, which could put off people from caring to get an RV in the first place. If you are an RV owner without proper insurance or merely a prospective RV owner, we at Ramsey Insurance will – in a matter of minutes – check into your insurance needs in order to figure out the proper level of automobile insurance you need and to help you figure out how much you will need to spend to register your RV.

There are a lot of questions that an RV owner (or would-be RV owner) may have about insuring an RV. If you have any of them, you can shoot them our way by contacting Ramsey Insurance either through our website or by phone at (410) 266-9363 and we will answer them to the best of our abilities.

Basic Types of Commercial Insurance

There are plenty of considerations when it comes to fully insuring your business and knowing what types of insurance there are and what policies may benefit you can make a big difference in your overall success. There are three types of commercial insurance that are very basic and that fit the bill across many states.

The first is property insurance. This is going to protect your property and keep your business operating in the event of destruction of property. Say for instance your business is destroyed in a natural disaster. Property insurance will help replace the necessary elements to get you up and running again quickly.

There is also liability insurance. This is going to protect your business in the event that someone becomes injured in your business or covers damages to third parties. This is going to protect your business from being sued by employees or customers but is still going to give them the money they need to help pay medical bills and recover from the accident.

The last type of commercial insurance is commercial auto policies. Again, these are going to help protect your business in the event that your employee or someone driving a car associated with your business is in an accident. Say you own a delivery business and one of your trucks gets into an accident, this type of policy will help protect the assets of the business while taking care of the other driver and your employee.

If you have any questions about commercial insurance and you live in the Annapolis, MD area, the helpful agents with Ramsey Insurance can help you find the policy, level of coverage, and type of coverage you need to be safe, legal, and fully protected.

Why Do you Need Motorcycle Insurance?

Motorcycle insurance is a must for several very specific reasons. Just like car insurance is essential and you must be insured in order to drive legally, you must carry insurance on your motorcycle to avoid legal issues. So why might you need motorcycle insurance? The helpful agents at Ramsey Insurance can give you more details but here is an easy explanation to get you started.

First off, any vehicle that is going to be driven on the road must be licensed. Licensing a vehicle puts a record of the car in the system in your local government and lets the proper officials know who owns the car as a means of identification in the case of a hit and run or in the case that the car is stolen or some crime is committed using that vehicle. It also means that the car is going to be properly taxed by your local government as well.

In order for a vehicle to be licensed, it must be insured. Not only does insurance protect the driver, it also protects other drivers in the case of an accident. Say for instance your motorcycle strikes another car while driving, it is essential that insurance is in place to help pay the bills of the other driver and to protect your best interests as well. If you want to drive the motorcycle on the road, you are going to need insurance without a doubt.

If you want to be able to drive legally, you must have the motorcycle both licensed and insured to protect yourself and other drivers. Another reason you may need insurance is if your motorcycle still has a loan or a lien against it. The bank will require a full coverage policy to cover the cost of any damage.

How do you know if you need flood insurance

Whether you need flood insurance is often determined by where your house is located. Some houses are in high-risk areas, and some are in low-risk areas. If you are on top of a mountain, you may not need flood insurance, but if you are in a lower area, you may need insurance.

It is also a good idea to check on nearby creeks and rivers, and see what their historic flood stages have been. Even if there have not been any floods in the last 50 years or so, if you are near a stream of any size, there is always a risk of flooding.

There is a federal law that says if you are in a high-risk area you must have flood insurance.  The law says if there is a 25 percent chance of flooding in your area over a 30-year period, you must have flood insurance. People in moderate to low risk areas, meaning less than the one in four chance over 30 years, you are not required to have flood insurance, but you may still get a policy if you choose to.

According to FEMA, about 20 percent of flood claims from people who do not live in a high-risk area, so that should be taken into consideration.  A lender may require insurance on a mortgage whether you are in a risk area or not.

You may get flood insurance on your home itself, and on the contents, but those are separate policies. Keep in mind that flood insurance is not the same thing as home insurance. Most companies also have a 30-day waiting period to buy insurance.

Visit Ramsey Insurance Agency’s website for information about how to get flood insurance in the Annapolis, MD area, or let us update your policy if you are an existing customer.

Best Packing Techniques For Moving

Maryland residents save money when they pack their belongings rather than paying professional movers to do so. The right techniques can help you avoid injury, breakage and other problems:

1. Acquire the necessary tools and supplies long before you move. You’ll need cardboard boxes, padding, markers, large plastic bags, scissors and plenty of tape. Don’t risk damaging your property by using low-quality tape or flimsy boxes.

2. To expedite the process of moving into a new home, choose a different tape or label color for every room. For example, put all living room items in boxes with yellow labels.

3. Use your towels and blankets to pad fragile objects. This will conserve space in the truck and reduce the amount of money you need to spend on packing supplies.

4. If you use a moving company, you’re still expected to pack and transport a few small items on your own. They include medicines, jewelry and vital documents.

5. Divide files, books and magazines among several small boxes. A large box of these items would weigh far too much, and you might become injured by lifting it.

6. Give away clothing that doesn’t fit anymore. Many Maryland charities and thrift shops gladly accept such items. Also, look for expired food and medications to throw out before you pack.

7. Put the most essential goods in a single box that you’ll open first. Examples include toothbrushes, paper products, soap and a flashlight.

8. Carefully pad all objects and keep fragile belongings separate from heavy items. A professional mover won’t compensate you for damaged possessions that were poorly packed.

Don’t forget to insure your new home right away. Consider using Ramsey Insurance, an independent Annapolis agency with over 25 years of experience. To sign up for an affordable policy or review your current home or renters coverage, please call us today!

Teaching Teens How to Avoid Road Rage

When it comes to teens, vehicle accidents are the leading cause of death. As a result of this, Ramsey Insurance wants to arm you with information to help you decrease the chances of your teen developing road rage.

Understanding Road Rage

There are many types of driving behaviors that constitute road rage. The following are a few of the most common behaviors:

  • Weaving in and out of traffic
  • Failing to yield
  • Driving through red lights
  • Tailgating

When it comes to your teen’s driving, as a parent you have the most influence. After they’ve graduated from driver’s education, you model how they should drive.

Tip #1. Always model responsible driving.

Safety is of the utmost importance when it comes to driving. The best way for you to keep both you and your family safe is to follow all driving rules and regulation. In fact, since you are modeling for your teen, you should use even more caution when driving.

Tip #2. Immediately correct teens when they make a mistake.

Before your teen could drive, you learned how important it was to take care of problems immediately. Once your teen starts driving, it’s imperative that you correct bad driving immediately so that they will not make the same mistakes later. To help them retain the lesson, explain to them the potential risks associated with the bad behavior so that they can understand why they are supposed to drive responsibly.

Tip #3. Limit excursions with other teens.

Although you want your child to have a well-rounded teenage experience, every parent doesn’t share the same values as you do when it comes to driving. You should be particularly discriminating when it comes to your teen riding or driving with other teens.

At Ramsey Insurance, we are here to help. We want you and your teen to be safe on the road, which is why we offer a suite of auto insurance products.

Give Back to Your Local Area This Year

Giving back to your local community is one of the most admirable and selfless things you can do. When you take the time to put your community needs above your wants, it becomes infectious and causes others to do the same. The following are some ways you can give back to your local community this year.

Serve Meals at a Shelter

Many non-profits don’t have enough help on any given day. When they have a feeding event, they are even more disadvantaged because they don’t have enough people to help them fix and serve meals to the individuals in need of help. You can help your local non-profit by volunteering anytime they have an event, especially when they are serving food because they will likely have more people less fortunate people showing up to these events.

Volunteer on a Non-profit’s Board

Another area where non-profits have a shortage of resources is on their board of directors. The board of directors consists of individuals with unique skills that will help the non-profit function and improve throughout the year. If you have experience operating a business, then your local non-profit can likely use you on its board of directors.

Volunteer at Your Local Hospital

During the winter months, hospitals tend to see more patients. They have more patients suffering from illnesses such as the flu, so they are likely understaffed. You can volunteer your time at your local hospital, which will help them better manage the strained resources they currently have.

At Ramsey Insurance, we believe wholeheartedly that everyone should give back to their community.  In fact, we appreciate the opportunity of providing you with auto insurance coverage while you are giving back. You can take a look at the coverage options we have by visiting our website. If you have questions or concerns, don’t hesitate to give us a call to inquire.

Understanding ATV User Responsibilities in MD

Despite the fact that winter is still upon us, warmer weather is right around the corner. With that in mind, it’s time to think about outdoor activities, and that includes the use of ATVs. While some enthusiasts use these vehicles in the snow, they’re more heavily used during non-winter months. It’s every resident’s responsibility to have an understanding of ATV user responsibilities in Maryland. That way, everyone remains safe while using these outdoor toys!

ATV State Regulations in Maryland:

Operators of ATVs must meet minimum age requirements, which are at least the age of twelve or older unless they are operating the vehicle on land that’s owned either by their parent or legal guardian. Those who are riding and are under the age of eighteen years old, an approved helmet and (or) eye protection must be worn at all times. Operators of ATVs are prohibited from carrying passengers unless their vehicle is designed to do so. The only time an exception is made in the state of Maryland is when the ATV is being used for agricultural or other “excepted” purposes. Use of an ATV requires a permit or license for operation in Maryland on certain public lands. There are exceptions, though, including accompaniment by a parent or licensee.

Insurance Recommendations in Maryland

All first-time riders are leery when it comes to getting on an ATV, and this isn’t uncommon. Therefore, it’s a good idea to keep these vehicles insured. According to the Maryland’s Department of Transportation: Motor Vehicle Administration, there are currently no mandatory insurance requirements in place. However, it’s still a recommendation to have insurance in place for all types of activity vehicles including 4-wheelers, snowmobiles, and so on, should accidents, theft, or other damages occur. Visiting Ramsey Insurance to ensure the proper protection is in place is essential for first-time riders.

 

Traveling Abroad: A Driver’s Checklist

When you rent a car to travel domestically, your auto insurance will sometimes cover your liability in the rental car as well. If you are lucky enough to have the opportunity to travel internationally, does the same hold true? Unless you plan to take public transportation everywhere in your international destination city, what should you know about driving there before you even get on the plane?

Insurance That Crosses the Border

In some cases, your domestic policy may still provide insurance coverage. If you are traveling in Canada or Mexico, your agent may be able to help you obtain a special policy to cover your personal or rental vehicle. When traveling overseas, you will need to obtain insurance for the rental vehicle. Some credit card companies offer this coverage with rentals; otherwise, research insurance offered by the actual rental company before you leave home to prevent any surprises.

Get Licensed

Before traveling, see if you need to obtain an International Driver’s Permit to drive legally in your destination country. Available from AAA or the National Auto Club, an IDP translates your domestic license into 10 other languages. The IDP will display your full name, photo, and relevant driver information. You must be 18 years of age to obtain an IDP and it must be obtained in your home country. It doesn’t replace your driver’s license and must be carried alongside your home license. You should check the with the embassy of the country you plan to visit about visiting driver requirements before you travel. 

Whether you are traveling abroad or at home, adequate insurance coverage is on your must-do list. If you have questions about your policy or would like a quote on a new policy, contact Ramsey Insurance, Inc. in Annapolis, MD.

 

 

How Auto Insurance Protects You Against Hit-and-Run Drivers

Walking out to your car to find a phantom driver has hit it is never a pleasant experience. Neither is being involved in a collision with another car where the other person decides to leave the scene. Thankfully, you have auto insurance. Here’s how your policy protects you against hit-and-run accidents and what coverage pertains to each aspect of your claim.

Collision Coverage

If you’re looking to use your auto insurance to repair your vehicle after a hit-and-run incident, having collision coverage is crucial. This aspect of your policy is completely optional, meaning you may or may not already carry it on your policy. Collision coverage will pay to repair damage to your vehicle without regard to who is at-fault for the claim.

The bad part about using your coverage for this type of incident is that you are still subject to your deductible. However, if your insurance company ever finds out who the other driver is, they might be able to reclaim these funds on your behalf as part of a subrogation settlement.

Medical Payments and Personal Injury Protection Coverage

In Maryland, drivers are required to carry personal injury protection (PIP) coverage. This part of your policy helps pay for some medical bills and lost earnings while you are recovering from an accident. Medical payments coverage works the same way, but is optional and extends the level of funds available to cover major injuries sustained during any sort of accident. Both coverages are available after a hit-and-run claim.

Other Coverage Options

There are other coverage options that you might already have on your policy that apply in the instance of a hit-and-run accident. For example, if you have rental reimbursement coverage on your vehicle, this can be used to help provide you with temporary transportation while your car is in the shop.

The easiest way to deal with a hit-and-run driver is by being prepared. Make sure you’ve evaluated your situation prior to an incident by speaking with our team at Ramsey Insurance. Please give us a call today for more information or a no-obligation quote.