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What to Do After a Motorcycle Accident: A Guide to Filing an Insurance Claim

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No one ever wants to be in an accident, but unfortunately, it happens. If you’re a motorcycle rider in Nashville, NC, you must be prepared for what to do after a crash. At Steiner Insurance Group, we understand the stress and anxiety of being involved in an accident, so we’ve put together this guide to help you understand the process of filing an insurance claim.

What to Do After a Motorcycle Accident

Get to Safety

The first and most important step after a motorcycle accident is to get yourself and anyone else involved out of harm’s way. If you can, move your bike off the road or as far away from traffic. Check for injuries and call 911 even if you cannot find any. Make sure to tell them you were riding a motorcycle.

Keep Your Gear On

If you’ve been injured, leaving all your gear on is important until medical professionals arrive. This includes your helmet and any other riding garments you may have been wearing. Even though these items may be damaged beyond repair, the evidence they provide can help with an insurance claim.

Document Everything

Once the accident scene has been secured, you should document as much as possible. Take photographs and videos of the crash site and any damage to your motorcycle and other vehicles involved. If there were witnesses, get their contact information and note what they saw. This can help when it comes time to file an insurance claim.

Collect Information from the Other Driver

In the event of a collision with another vehicle, you’ll want to get their contact and insurance information. Ensure they know that you plan on filing a claim, as this can help avoid unnecessary wrangling later on. If they don’t have insurance, it’s best to take down their license plate number in case you need to pursue legal action.

File a Police Report

Be sure to file a police report with the local authorities. Even if there were no injuries, this is an essential step in documenting the accident. Obtain a copy of the report and keep it for your records. This will be essential when filing an insurance claim.

Contact Your Insurance Company

Once you’ve collected the necessary information, it’s time to file your claim with Steiner Insurance Group. Our experienced agents will help you navigate the process and ensure everything is in order before submitting your claim. We strive to make filing a claim as easy and stress-free as possible. Contact our offices today to learn how we can serve those in the Nashville, NC area.

Who Can Benefit From Umbrella Insurance?

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More and more insurance agents are recommending individuals purchase umbrella insurance. However, umbrella insurance is not a product that many consumers are familiar with, nor do they fully understand the benefits associated with this product. Here at Steiner Insurance Group, serving the greater Nashville, NC area, we want to help you better understand more about umbrella insurance and how it can benefit you. 

What Is Umbrella Insurance? 

Umbrella insurance is a supplemental insurance product that is designed to be used in the event you max out the policy limits associated with various types of insurance products, including auto insurance, home insurance, or commercial insurance. For example, if you are involved in a major accident, and your auto insurance policy is not high enough to cover the damage, the other party can personally sue you for the remaining balance. Umbrella insurance would kick in, helping to protect your assets and cover the remaining costs associated with the accident. 

Who Can Benefit From Umbrella Insurance?

Anyone who has assets that they wish to protect can benefit from an umbrella insurance policy. An umbrella insurance policy helps to protect your assets, including your home, bank account, and income, from being garnished or taken, in the event you are sued due to not having enough insurance coverage to cover a catastrophic event. An umbrella policy helps to further protect you in the event the unexpected happens. 

Give Us A Call

Umbrella insurance helps to supplement the policy limits on various insurance types, including auto insurance, home insurance, and commercial insurance. If you are looking to protect your assets, purchasing umbrella insurance can be beneficial. If you are looking to learn more about umbrella insurance or are ready to purchase a policy in the greater Nashville NC area, reach out to the Steiner Insurance Group today. 

What are the advantages of having a life insurance plan?

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Those living in the Nashville, NC area will have various personal insurance needs. One form of coverage all people here need to get is a life insurance policy. This is a unique form of coverage that can be used to provide support for others if you were to pass away as well as other advantages. There are various benefits that come with having this coverage, which you should be aware of. 

Why Life Insurance?

Provide Peace of Mind

One of the reasons for having a life insurance policy is for peace of mind. If there are people in your life that you care about, you will want to know that they have financial support in all situations. With a life insurance policy, you can be assured that you will have financial resources if you were to pass away. This can offer comfort and peace of mind in these situations.

Receive Investment Benefits

The use of life insurance can also help you build a more diversified investment portfolio. Through whole life insurance, you can build more liquid assets that will earn a consistent rate of return with little risk. When you get this coverage, some of your payments build into an account. Over time, these funds in the account will add up, and you can take a withdrawal or use the proceeds to post collateral. 

Give Us A Call

If you are in the Nashville, NC area, you will likely find that having life insurance is a good idea. When you are ready to start shopping for coverage, it can be smart to call the Steiner Insurance Group. Our team of experts at the Steiner Insurance Group can offer the help you need to fully evaluate all of your options and build a policy that provides the coverage you need and want. 

Classic Car Insurance and Classic Motorcycle Insurance Explained

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If you’re a classic car or motorcycle enthusiast in Nashville, NC, you may wonder if classic car insurance also covers motorcycles. After all, both vehicles are considered classics if they’re older than 25 years old. The answer is yes and no—it depends on the insurer and your chosen policy.

Steiner Insurance Group is happy to help. Here we explore what coverage options are available for classic cars and motorcycles. 

Classic Car Insurance Coverage Options 

Classic car insurance is designed to provide financial protection for vintage cars that are at least 25 years old. Generally speaking, when insuring a classic car, an insurer will determine the vehicle’s value based on its condition, age, make and model.

This type of coverage typically includes liability protection (in case you damage someone else’s property while driving), physical damage coverage (in case your vehicle is damaged in an accident), and uninsured/underinsured motorist coverage (in case you’re hit by another driver who doesn’t have enough auto insurance). 

Classic Motorcycle Insurance Coverage Options 

The same type of coverage option is available for classic motorcycles that meet the same age requirements as classic cars. However, some insurers may require additional documentation before offering coverage on a vintage motorcycle. For example, some insurers may require proof that the bike has been modified or restored to qualify for certain types of coverage. Additionally, some insurers may require inspections before offering coverage on a vintage bike. 

Contact Us Today

Ultimately, whether or not classic car insurance covers a classic motorcycle depends on the insurer and the policy you choose. if you own a vintage vehicle in Nashville, NC — whether a car or a motorcycle — contact Steiner Insurance Group to get the right type of coverage for your specific situation.  

RV Insurance Coverage Options To Consider

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Owning an RV is quite a huge milestone. Living your life on the road while enjoying the convenience of a home is an enjoyable experience. Your RV is probably the most expensive investment after a house. And like any other valuable investment, you must protect it the best way you can. Moreso, the sheer size of an RV increases the risk of damaging properties and vehicles if an accident occurs.

RV insurance is a must-have for RV owners. However, having RV insurance is one thing and having the right coverage is another. Steiner Insurance Group highlights several RV insurance policies you can consider if you live in Nashville, NC and surrounding areas. 

RV Insurance Coverage Options To Consider

  • Liability coverage: As mentioned, due to their large size, RVs can cause significant damage if an accident occurs. The resulting property damage or injuries to others can cost thousands of dollars. Luckily, liability coverage covers the consequential damage caused to others.
  • Collision and comprehensive coverage: Collision coverage covers the damage to your RV when it crashes with an object or another vehicle. On the other hand, comprehensive coverage protects you when your RV suffers damage from non-collision incidences like vandalism, theft, or fire. These policies compensate you for the damage or replacement of your RV up to the coverage limit.
  • Uninsured or underinsured coverage: People always break the law. You may encounter drivers with no insurance or those without enough insurance. In the case of an accident with such, this coverage pays for the resulting damages. Better still, it steps in for a hit-and-run situation.
  • Total loss replacement: Since RVs are expensive, total loss replacement coverage is crucial for every RV owner. It covers your totaled RV at full and original price without subtracting the depreciation.

Contact Us Today

Besides these major coverage options, there are also additional available options. They include roadside assistance, emergency expenses, personal effects, and more. If you live in Nashville, NC, and its surroundings, Steiner Insurance Group will help you understand what RV insurance policies suit your needs. Contact us today to start the conversation.

Three considerations when you choose a motorcycle insurance policy

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Motorcycle insurance protects you both in terms of your liabilities and motorcycle value. At Steiner Insurance Group, we’re committed to offering quality coverage to riders in Nashville, NC.

There are numerous considerations you’ll want to take into account when you purchase motorcycle insurance coverage. The following are three considerations when you choose a motorcycle insurance policy. 

How much liability insurance to carry

You’ll have a few different options regarding how much liability insurance to carry. While you’re only legally required to meet your state’s minimum liability coverage requirements, it’s always a good idea to purchase additional liability coverage to protect your finances. 

Whether to purchase collision and comprehensive coverage

Collision and comprehensive coverage are not typically legally required. However, you may have to pay out of pocket for repairs to your bike after an accident if you don’t purchase collision coverage. You may also have to pay out of pocket for repairs after damage caused by theft or vandalism without comprehensive coverage.

It’s, therefore, always a good idea to add both collision and comprehensive coverage to your policy. You will also be required to purchase these types of coverage if you took out a loan to purchase your bike and are still paying off the loan. 

Policy features such as roadside assistance

Motorcycle insurance providers also typically offer numerous optional policy features like roadside assistance, lease/loan gap coverage, and towing/labor coverage.

It would be best to learn what these additional policy options involve and decide whether you want to add such features to your policy. 

Do you want to learn more about motorcycle insurance in Nashville, NC? We’re standing by at Steiner Insurance Group to answer your questions about motorcycle insurance coverage that will offer you the financial protection you need. 

Umbrella Insurance 101: What Is It?

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Do you have enough insurance to protect yourself, your family, or your business? If not, you may want to consider purchasing umbrella insurance. Umbrella insurance is a type of supplemental insurance that provides additional protection if your regular policies are not enough. Consult with Steiner Insurance Group in Nashville, NC  for expert insurance advice. Here we discuss what umbrella insurance is and how it can benefit you.

Some tips on how to choose the right policy for your needs:

What Is Umbrella Insurance?

Umbrella insurance is a type of insurance that provides additional coverage if damages exceed the limits of other policies. For example, if you have homeowners insurance and someone slips and falls on your property, your homeowner’s policy will likely cover the damages up to a certain amount. However, if the damages exceed that amount, umbrella insurance will provide additional coverage.

Umbrella insurance is not mandatory, but it’s a great idea to purchase a policy if you have assets and investments that may be at risk in the event of a lawsuit. For example, if you own a home or have a significant amount of savings, umbrella insurance can help protect those assets if you are sued.

How Can Umbrella Insurance Benefit You?

Imagine this scenario: you’re driving home from work one evening, when you get into a horrific car accident. The other motorist is at fault, but they don’t have enough coverage to pay for the damages. As a result, you’re left with a huge medical bill and a long road to recovery. If you had umbrella insurance, however, you would be protected against this type of financial disaster.

Umbrella insurance is a crucial safety net to have in place in case of an accident or other catastrophic event. It can help you avoid financial ruin and provide peace of mind in knowing that you and your assets are protected.

Tips for Choosing an Umbrella Insurance Policy

Now that we’ve answered the question, "What is umbrella insurance?" let’s look at some tips on choosing the right policy for your needs. When choosing an umbrella insurance policy, it’s essential to consider the following:

  • The amount of coverage you need: How much coverage do you need? This will depend on the value of your assets, as well as your risk exposure.
  • The type of coverage you need: There are two types of umbrella insurance policies: personal and commercial. Personal umbrella insurance policies are designed for individuals, while commercial umbrella insurance policies are designed for businesses.
  • The deductible: Most umbrella insurance policies have a deductible, which is the total amount you’ll need to pay from your own pocket before the coverage kicks in. Be sure to choose a policy with a deductible you can afford in the event of an accident.
  • The premium: This is the amount you’ll pay for the policy. Premiums can vary depending on the insurer, the amount of coverage, and the deductible. Be sure to shop around and compare rates before choosing a policy.

Are You Ready to Purchase an Umbrella Insurance Policy?

Now that you know what umbrella insurance is and how it can help you, it’s time to start shopping for a policy. Steiner Insurance Group in Nashville, NC can help you find the right umbrella insurance policy for your needs. We’re here to answer any questions you have and help you get the coverage you need for both your family and business. Contact us today, and we will help you get started!

Which Type Of Life Insurance Is Best For Me?

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According to research, most people don’t have nearly enough life insurance. About 65% of American adults say they would feel the financial pinch if they lost a primary wage earner (source). If you’re among the majority of people who need more life insurance, the next step is to decide which type is best for you.

Here’s a rundown of the most common types of life insurance policies to help you make the right decision for your needs:

Term Life Insurance

Term life insurance is the most basic and straightforward type of policy. It provides coverage for a specific period, typically between five and 30 years. If you die during that term, your beneficiaries will receive a death benefit. If you’re still alive when the term expires, the policy will end, and you won’t get anything back.

Whole Life Insurance

Whole life insurance is a type of permanent life insurance that remains in force for your entire life, provided you continue to pay the premiums. It also generally has a savings component that builds cash value over time. You can use that cash value to help pay premiums or for other purposes, such as supplemental retirement income.

Universal Life Insurance

Universal life insurance is another type of permanent life insurance. Like whole life, it remains in force for your entire life as long as you continue to pay the premiums. But universal life has more flexibility than whole life, allowing you to adjust your premium payments and death benefit up or down as your needs change.

Variable Life Insurance

Variable life insurance is a type of permanent life insurance that offers death benefit protection and a savings component with investment options. When you get this type of policy from Steiner Insurance Group in Nashville, NC the cash value of your policy can go up or down depending on how the investments perform.

Give Us A Call

No one type of life insurance is best for everyone. The best policy for you’ll depend on your specific needs and circumstances. Steiner Insurance Group can help you evaluate your options and choose the right life insurance policy for you. Contact our office in Nashville, NC to get started.

Make sure your auto policy provides enough medical expense coverage

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Knowing the type and amount of auto insurance coverage you need can seem like a mystery. That’s where the team at Steiner Insurance Group comes into play. We are here to give the residents of the greater Nashville, NC area the information they need to make good decisions when it comes to insurance. If you have questions, we can help.

Choosing an auto policy that provides adequate medical expense coverage

When it comes to medical expense coverage, it can be difficult to know how much coverage you need. Fortunately, when you work with a local agent, the process becomes a lot less of a guessing game. Medical expense provides protection in a number of different ways. It will protect you, your passengers, and any other people who are injured in an accident in which you are involved. When you have the right protection included in your auto policy, it is less likely that you will be held financially responsible for any medical expenses.

Auto accidents can be traumatizing, especially when they cause serious injuries. When you have adequate coverage in place, you can worry less about medical expenses and focus on healing and recovering. No one wants to be involved in a serious accident, and when they cause physical injury the effects can be felt for a long time after the injuries heal. Protect your physical and financial health by having the medical expense protection you need.

We look forward to working with you!

Steiner Insurance Group is here to help the greater Nashville, NC community with all of its insurance needs. We have answers to all of the insurance questions that you may have. If you need help with your insurance, give us a call or stop by today.

Commercial insurance that most businesses can benefit from

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Commercial insurance may be something you think your business can do without. But some types of commercial insurance are required by law in North Carolina. Other types of commercial insurance may not be mandated but can help save your business from a variety of perils. At Steiner Insurance Group in Nashville, NC, we are here to help business owners to assess their risks and to choose the right commercial insurance for their business.  

Commercial insurance that most businesses can benefit from

Commercial liability insurance

Your business needs to have commercial liability to save it from a lawsuit against it. Lawsuits are common and you can get sued by a variety of people. You may have a dissatisfied customer, or someone could have a slip and fall at your business location. If they have injuries, you could have to pay for pain and suffering. It can even be a disgruntled employee who decides to sue you. But the end result will be the same; you will have legal expenses and, if you lose, a settlement. Without commercial liability insurance, it could kill your business.

Commercial property insurance

If you own a building, the benefit of property insurance is obvious, but what about if you are a renter or have a home-based business?  Commercial property insurance covers much more than just the physical building, it covers the things you need to do business. Depending on the type of business you have, it could be machinery, tools, display units, raw materials, office equipment, electronics, or inventory. If you don’t have these, you can’t do business. 

Worker compensation insurance

In North Carolina, if your business has three or more employees, you must protect them with workers’ compensation insurance. It is good for businesses and employees. 

Contact Steiner Insurance Group in Nashville, NC to get your questions about commercial insurance answered. As an independent insurance agency, we will offer you our full attention. 

Partner Carriers

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  • cna
  • encompass
  • foremost
  • hagerty
  • kemper
  • mdow
  • mercury
  • northstar
  • progressive
  • safeco
  • statewide-general
  • travelers