How to Stay Safe While Riding Off-Road Vehicles

Posted on December 16, 2022December 12, 2022 by admin

Off-road riding can be an exciting and thrilling experience. But it also comes with risks. It would be best if you took the necessary safety precautions to protect yourself and others.

Here are some Vance Insurance Group LLC tips to help you stay safe while enjoying your off-road adventure around Oklahoma City, OK:

Understand the Risks Involved with Off-Road Vehicles

Riding off-road vehicles such as ATVs, snowmobiles, and motorcycles can be an exciting way to explore the outdoors. However, with any vehicle, there are some risks involved that riders must be aware of. The most common injuries after an ATV accident are extremity and head trauma. Injuries can range from bumps, bruises, cuts, dislocations, and fractures to more severe trauma to the chest, abdomen, head, or spine. Concussions and other head injuries are common, especially if the rider is not wearing a helmet.

Wear the Right Protective Gear

Riders should always wear protective gear, including goggles, long sleeves, long pants, over-the-ankle boots, gloves, and DOT-compliant helmets. Additionally, they should avoid riding on paved surfaces and never ride under the influence of alcohol or drugs. Finally, when using a ramp, use one that can withstand the vehicle’s weight and avoid gunning the throttle or approaching too fast, as this could cause the car to flip or overturn.

Stay Aware of Your Surroundings

It is essential to stay aware of your surroundings when riding an off-road vehicle for several reasons. Firstly, these vehicles are designed to handle rugged terrain, meaning the landscape can be unpredictable and challenging to navigate. Therefore, it is essential to be alert and attentive to any obstacles. Additionally, these vehicles often have large tires with deep, open treads, making them difficult to control in certain conditions, such as mud or snow. Therefore, it is crucial to be aware of the weather conditions before taking appropriate precautions.

Pay close attention to the road and other vehicles to maintain a safe distance from the car in front of you. Furthermore, visibility can often be poor in off-road environments due to dust, fog, or poor lighting. Lastly, never operate any motor vehicle while under the influence of drugs or alcohol, as this can significantly increase the risk of an accident. These safety tips will help ensure a safe and enjoyable off-road experience.

Get Recreational Insurance Today

Vance Insurance Group LLC, serving the greater Oklahoma City, OK community, offers recreational insurance to protect you and your family while having fun. We specialize in providing tailored recreational insurance coverage for all activities, from motorsports to camping trips. Contact us today to learn more!

Why Do Renters Need Renters Insurance?

Posted on November 30, 2022November 30, 2022 by admin

Renters have unique insurance needs that pertain to their situations. Because they are renting a home instead of owning it, they don’t need to have an insurance policy such as a condo or home insurance. These types of insurance are important, but they are mainly used for protecting the building. Renters don’t have to pay to protect the building, as the landlord takes care of that. Instead, they need to take care of their own interests which include protection for their belongings and liability coverage.

To get the specific coverage you need as a renter, call us at Vance Insurance Group LLC in Oklahoma City, OK to get a policy of your own.

Why Renters Insurance?

Liability Protection

One of the types of coverage that you get with these policies is coverage for your liability. This often includes a number of types of liability that cover scenarios where someone who doesn’t live in your household gets injured while in your rental or elsewhere as described in the policy. This saves you from having to pay the exorbitant costs of medical bills for people who do get injured there. This can save you an enormous amount of money after an injury.

Item Protection

One of the main ways that this type of insurance protects you is by protecting the items inside your home. This coverage protects you against item damage that can happen after a covered event. If something damaging were to happen to them, your insurance would pay for those items so that you won’t have to. It’s always a good idea to have this insurance, and most landlords today require their tenants to have it.

Get a Renters Policy

Never rent a home without having the proper insurance in place. Call us at Vance Insurance Group LLC in Oklahoma City, OK to find out more.

Liability Motorhome Coverage

Posted on October 28, 2022November 2, 2022 by admin

A motorhome is an excellent investment for travelers as well as people who choose to live in them full-time or part-time. If you own a motorhome, Oklahoma state law requires you to pursue and maintain liability motorhome coverage. Much like car insurance, liability motorhome coverage is important because it gives you an extra layer of protection in the event of something happening to your motorhome. That includes incidents that may otherwise be out of your control.

You may experience a collision while you are on the road, and you will need to have liability insurance to protect your property.

Liability Motorhome Coverage

If you are living in your motorhome and simultaneously using it as your vehicle, liability coverage can cover your RV in a similar manner as would home insurance as it serves both purposes. Being in your motorhome full-time gives you a plethora of additional reasons to protect it, as it is your home and your transportation.

You may also make mistakes at the wheel and cause collisions or damage to someone else’s property; in order to cover this, you will need liability coverage.

Our team of experts at Vance Insurance Group LLC in Oklahoma City, OK is here to offer you the motorhome coverage you need for your vehicle. With several years of experience in the independent insurance field, we are more than capable of assisting you with your liability insurance needs and making sure that you and your motorhome are secure.

Give Us A Call

Contact us today to keep your motorhome legal and protected. You never know what could happen, and you want to protect your investment and your safe haven. Email or call Vance Insurance Group LLC in Oklahoma City, OK to learn more and to receive all the coverage you need.

5 Tips for Getting the Most Out of Your RV Insurance Policy

Posted on September 12, 2022September 12, 2022 by admin

Insuring your RV is an important part of owning one. You want to ensure you have the coverage you need in case of an accident or other unforeseen event. Vance Insurance Group LLC in Oklahoma, OK can help you navigate this important insurance coverage.

Here are five tips for getting the most out of your RV insurance policy:

1. Make Sure You Have the Right Amount of Coverage

Depending on the value of your RV, you may need more or less coverage than the standard policy provides. Work with your agent to ensure you have enough coverage to protect your investment in case of an accident.

2. Choose a Policy With a Reputable Company

Some insurers may have limited experience insuring RVs, which could mean they’re not familiar with the unique coverage needs of these types of vehicles. When shopping for RV insurance, choose an insurer with a good reputation and plenty of experience insuring RVs.

3. Consider Add-Ons to Your Policy

There are many options available regarding RV insurance, so talk to your agent about what options make sense for you and your vehicle. You may want to add on roadside assistance or extended coverage for gear and personal belongings.

4. Don’t Let Your Policy Lapse

Once you’ve purchased an RV insurance policy, it’s important to ensure you keep it current by paying your premiums on time and renewing it before it expires. If your policy lapses, you may be required to pay a higher premium when you reinstate it or may even be denied coverage altogether. So make sure you stay on top of your payments and renew your policy before it expires.

5. Review Your Policy Regularly

Your needs may change over time, so it’s important to review your policy periodically to ensure it still meets your needs. If you’ve made any major changes to your RV, such as upgrading the appliances, be sure to let your agent know so they can adjust your coverage accordingly.

Get RV Insurance Today

Purchasing an RV insurance policy is an important step in protecting your investment and giving yourself peace of mind when you’re on the road. By following these five tips, you can be sure that you’re getting the most out of your policy and that you’re properly protected against potential risks.

At Vance Insurance Group LLC in Oklahoma, OK, we understand how important it is to have adequate protection for your RV. We’re here to help you find the right policy for your needs and budget, so don’t hesitate to contact us today for more information or to get started on a quote.

How Can I Reduce the Risk of My Motorcycle Being Stolen?

Posted on August 29, 2022August 29, 2022 by admin

Your motorcycle is your freedom. It’s the key to the open road and a way to get away from it all. But with that freedom comes a certain amount of risk, and one of the biggest dangers is motorcycle theft. You can do several things to reduce the risk of your motorcycle being stolen. Vance Insurance Group LLC in Oklahoma City, OK can help you navigate this important coverage.

Here are some of the most effective measures:

1. Use a Disc Lock

One of the simplest and most effective ways to deter thieves is to use a disc lock. This type of lock secures the disc brake rotor, making it virtually impossible to wheel the bike away without the key. Disc locks are small and portable, so they’re easy to carry with you, and they can be used in conjunction with a chain or cable lock for added security

2. Store Your Bike Indoors

If you can, it’s always best to store your bike indoors in a locked garage or shed. This will make it much more difficult for thieves to target your bike and significantly reduce the risk of theft.

3. Use a Tracking Device

A tracking device is a great way to give you peace of mind and increase the chances of recovering your motorcycle if it’s stolen. There are several different tracking devices on the market, and they all work in essentially the same way. A tracking device is installed on your bike and linked to your smartphone or another device. If your bike is stolen, you can use the tracking device to locate it

Invest In Comprehensive Insurance

Unfortunately, no matter how much you do to protect your motorcycle, there’s always a risk that it could be stolen. That’s why it’s so important to have comprehensive insurance. This type of insurance will cover the cost of replacing your motorcycle if it’s stolen.

Oklahoma City, OK is a great place to ride, but it’s important to be aware of the risks. Vance Insurance Group LLC can help you find the right insurance policy to protect your bike. Contact us today for more information.

How will boat insurance cover me in Oklahoma?

Posted on July 19, 2022July 19, 2022 by admin

Summers in the Oklahoma City, OK area can be quite hot. Due to this, finding a way to beat the heat is a great option and one way to do this is by getting your own boat to enjoy the local lakes and waterways. If you do want to buy a boat, having insurance for it should be considered a top priority as it will help to cover you and your boat in various ways.

Boat Insurance: What You Need To Know

Reduce Risk of Liability Claims

A common reason that people will need to have a boat insurance plan is so they can reduce their risks of being named in a liability claim. There are some real liability risks that come with operating a boat and if you are at fault in an accident, you will have to pay for damages. As these can be expensive, having boat insurance is a necessity as it will offer coverage to help you cover these costs.

Protect Your Boat

When you want to own a boat in the Oklahoma City area, boat insurance is needed to protect the asset. If you do get the right insurance, it will offer support to replace or repair the boat if a loss is incurred. This can include protection against the risks of theft, vandalism, or accident damage.

Give Us A Call

As you are looking to protect your boat in the Oklahoma City, OK area, it will become apparent that there are a lot of choices to make when looking for coverage. The team with Vance Insurance Group LLC can offer any support that is necessary to choose a boat plan. The professionals with Vance Insurance Group LLC understand the value of this coverage and will help you identify your needs so you can build a quality boat insurance plan.

How Umbrella Insurance Works

Posted on June 14, 2022June 14, 2022 by admin

Having home and auto insurance is important for protecting yourself financially from certain risks. These insurance policies offer several different kinds of coverage in each policy, and one of these types is liability insurance. When you need more liability coverage than you already have, you need umbrella insurance. To get started, call us today at Vance Insurance Group LLC in Oklahoma City, OK.

How Umbrella Insurance Works

More Liability Coverage

Your home and auto insurance policies each have liability insurance, but it often isn’t enough. When you have these policies and want to increase the amount of coverage you have, adding more liability coverage directly to your policies can be very expensive. Instead of doing it that way, you can get an umbrella policy. This insurance adds more liability coverage to your home and auto policies. It gives you that extra blanket of protection, and it does it without the high cost of adding right to your other policies.

Paying the Overage

When an accident happens with your vehicle or on your property, you can be held liable for the expenses that are due such as lost wages, medical bills, etc. After the accident, your home or auto insurance, whichever is applicable, steps in to pay for those expenses. The policy can only pay as much as the maximum coverage amount. However, this can leave an overage after the policy has maxed out. That’s where an umbrella policy steps in. It pays for those overages, and it has an extremely high maximum payout. Having umbrella insurance can save you from enormous bills that you may owe after an accident.

Get More Coverage

Many people don’t have enough liability coverage, and it can cost them a lot of money in overages. Protect yourself against this by calling us at Vance Insurance Group LLC in Oklahoma City, OK.

Why do you need life insurance in Oklahoma?

Posted on May 23, 2022May 23, 2022 by admin

Anyone living in the Oklahoma City, OK area is going to have a lot of insurance needs. A type of coverage all people should take seriously and consider getting is life insurance. Vance Insurance Group LLC offers a few reasons to obtain this type of coverage.

Why do you need life insurance in Oklahoma?

Provide Support for Dependents

A reason that you may need to have a life insurance plan is so you can provide support for your dependents. When you have dependents that rely on your income and financial assets, you will want to ensure they have support if you were to pass away. With life insurance, you can build a personalized plan that will offer this protection and give you peace of mind.

Investment Alternative

While many people get life insurance for financial protection, it can also be a good way to invest. With a whole life insurance plan, some of your payments on a monthly basis will build in an account. Eventually, you can choose to close the account and use the proceeds for any reason you want. This can help to make it a good addition to any personal financial and investment plan.

As you are looking for a way to provide support with life insurance in the Oklahoma City, OK area, you will find there are a lot of decisions to make. One way you can select a quality plan is by calling the professionals from Vance Insurance Group LLC. Our team understands the value of this coverage and can help you build a plan that will ensure you remain fully covered.

Types of Auto Insurance

Posted on April 29, 2022April 30, 2022 by admin

If you have recently bought a vehicle, you may be overwhelmed by the process of buying automobile insurance. There are so many different types of insurance that you can consider. Even worse, each plan is different. Vance Insurance Group LLC in Oklahoma City, OK offers the following guide to help you choose the right insurance for you and your family:

Types of Auto Insurance

Liability insurance is required in almost every state. This will protect you by paying the other party’s expenses in the accident. It will cover their vehicle and medical expenses. It will also cover your legal fees if you get sued.

Uninsured and underinsured motorist insurance will protect you if you are in an accident with someone who doesn’t have insurance (or doesn’t have enough). It will cover damage to your vehicle and your medical bills. This may be required in your state.

Collision insurance will pay to fix or replace your car if you are in an accident, regardless of whose fault the accident was. If you have a loan on your vehicle, you may be required to have collision insurance.

Comprehensive insurance will cover damage that occurs to your vehicle that isn’t accident-related. This may include fire, theft, and vandalism. Your loan may also require comprehensive insurance in order to protect your investment.

Depending on your state, you may also be required to have personal injury protection and/or medical payments. Both of these, to a degree, are used to pay for your medical expenses after you have been involved in an accident.

In order to protect yourself, you should talk to a professional. Don’t hesitate to contact us today at Vance Insurance Group LLC in Oklahoma City, OK.

Commercial Insurance Mistakes To Avoid

Posted on March 31, 2022April 6, 2022 by admin

Vance Insurance Group LLC is an independent insurance agency. We work with multiple carriers throughout Oklahoma City, OK. We are committed to helping our clients find the coverage they need to protect their assets. We treat our customers like family. Developing these personal relationships allows us to provide custom policies.

Commercial Insurance Mistakes To Avoid

Operating a business is complex. You have to deal with a lot of responsibilities on a day-to-day basis. Commercial insurance is designed to alleviate some stress associated with operating a business. The policy covers any damage to your products and equipment. This includes any situations where you are a victim of theft. Commercial insurance also protects your business in liability situations. Perhaps one of your customers slips and falls in the parking lot of your Oklahoma City, OK property. Liability coverage will assist with the injured party’s medical treatment. Liability coverage also protects you if a customer alleges that your products caused them harm. Workers’ compensation protects you if one of your employees is injured in the workplace or there are potential workplace allegations. While looking over your policy, avoid these common commercial insurance mistakes.

Commercial Insurance Automatically Covers Remote Work

This is incorrect. Commercial insurance will not automatically cover any damages or other potential issues if you work from home on occasion. You’ll have to amend your policy to remain covered.

Small Businesses Don’t Need A Lot Of Coverage.

This is a common error that many small businesses make. You may assume that you don’t need a lot of coverage because your business doesn’t have a lot of assets. Imagine how difficult things would be if a natural disaster totaled your business and didn’t have the necessary coverage. You could lose everything. That’s why obtaining commercial insurance is critical to your long-term success.

Vance Insurance Group LLC Will Help You Protect Your Investment

Contact our office to learn more information about commercial insurance.

Insurance Blog

Vance Insurance Group, LLC

Get a Quote, Instantly!

Understand the Risks Involved with Off-Road Vehicles

Wear the Right Protective Gear

Stay Aware of Your Surroundings

Get Recreational Insurance Today

Why Renters Insurance?

Liability Protection

Item Protection

Get a Renters Policy

Liability Motorhome Coverage

Give Us A Call

Here are five tips for getting the most out of your RV insurance policy:

1. Make Sure You Have the Right Amount of Coverage

2. Choose a Policy With a Reputable Company

3. Consider Add-Ons to Your Policy

4. Don’t Let Your Policy Lapse

5. Review Your Policy Regularly

Get RV Insurance Today

Here are some of the most effective measures:

1. Use a Disc Lock

2. Store Your Bike Indoors

3. Use a Tracking Device

Invest In Comprehensive Insurance

Boat Insurance: What You Need To Know

Reduce Risk of Liability Claims

Protect Your Boat

Give Us A Call

How Umbrella Insurance Works

More Liability Coverage

Paying the Overage

Get More Coverage

Why do you need life insurance in Oklahoma?

Provide Support for Dependents

Investment Alternative

Types of Auto Insurance

Commercial Insurance Mistakes To Avoid

Commercial Insurance Automatically Covers Remote Work

Small Businesses Don’t Need A Lot Of Coverage.

Vance Insurance Group LLC Will Help You Protect Your Investment

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