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Do You Need a Medical Exam To Get Life Insurance?

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Life insurance is a worthwhile investment at any point in your life, but especially if you’re a caregiver for children, parents, or other vulnerable individuals without their own financial stability. However, you may have questions about how it works. For example, your insurance provider will almost certainly want to know about your health. Will they ask for a medical exam? And do you have to get one to obtain life insurance? Here’s what you need to know about medical exams and life insurance. Hinman & Associates Insurance, serving Reno, NV, explains. 

Do You Need a Medical Exam To Get Life Insurance?

Maybe. If you want to secure better rates or a higher coverage amount, you likely will need a medical exam. However, you may be able to get a life insurance policy without one. Online options and low coverage amounts may only require you to provide your policy provider with some basic health information. In any case, provide them with all the information they request. Lying about your health can get you in trouble legally, but it can also void your coverage.

Shop Life Insurance Policies With Hinman & Associates Insurance

Whether you want term life insurance, whole life insurance, or specific life insurance add-ons, you can rely on Hinman & Associates Insurance to help you find the right policy for your situation. We’re currently serving Reno, NV. 

Will Auto Insurance Cover a Broken Windshield?

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It only takes a second for a piece of gravel or stone to fly up from the street and strike your vehicle’s window, causing serious damage. In some situations, this can even make your car unsafe to drive.

The right auto insurance matters. At Hinman & Associates Insurance, we help drivers in Reno, NV, find the right auto insurance for their needs.

Does Auto Insurance Cover Your Broken Windshield?

Most of the time, your auto insurance will cover a broken windshield if you have comprehensive coverage. This is a specific policy that covers accidental and unavoidable incidents. It can matter how the damage occurred, though.

For example, your comprehensive coverage will usually apply if road debris causes damage or hail shatters your windshield. If an animal damages the windshield, it can also help. It may also apply if a falling object or vandal damages your windshield.

In these situations, you may have to pay a deductible first. Then, your insurance will cover the remaining amount if it includes full glass coverage. Some policies may have limitations on when they will cover all damage.

Other Situations May Apply

If you cause an accident and your windshield is damaged as a result, your collision insurance may cover this type of damage. If someone else caused the damage, their liability insurance may cover your broken windshield.

Set Up a Consultation for Help Customizing Your Policy

At Hinman & Associates Insurance, we take the time to help you choose a policy that fits your biggest risks. If you need auto insurance in Reno, NV, we can help you get into the ideal policy.

When Earthquake Aftershocks Shut Down Your Shop: Commercial Insurance Realities in Reno, NV

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Earthquakes pose a significant danger in Reno, NV. And so do the aftershocks. Aftershocks don’t just rattle your nerves; they disrupt your power and shift your inventory. They can even turn a temporary shutdown into a prolonged disaster. Our role at Hinman & Associates Insurance is simple: to help you understand how commercial insurance responds after an aftershock, so you’re not left holding the bag.

Know What’s Covered (and What’s Not)

Here are the facts: Most standard commercial insurance policies explicitly exclude earthquake damage unless an earthquake rider has been added to the policy. That, of course, includes aftershocks, which are treated as part of the same seismic event.

Thankfully, this doesn’t mean you’re completely unprotected. Your policy may still help with some damages if:

  • Your shop suffers from fire, water or electrical damage caused by an aftershock.
  • Local authorities prevent you from accessing your building, interrupting your business operations.
  • Your inventory or signage is damaged by a covered secondary cause, like a burst pipe or broken glass.

Being protected means understanding what primary and secondary causes are covered.

Steps To Take After an Aftershock

  1. Ensure your safety. Check for gas leaks or structural damage before entering your building.
  2. Document everything. Take photos and short notes about what happened. List all the damage you see.
  3. Notify your insurer quickly. After a seismic event, you’re likely not the only victim. Timely reporting helps ensure your damages are processed quickly.
  4. Prevent further loss. Your policy likely requires you to mitigate any potential damages. Board up, cover leaks, and move your undamaged inventory or goods out of harm’s way.

A quick conversation with one of our specialists at Hinman & Associates Insurance can clarify what mitigation your policy requires you to apply and what records you need to support your claim.

Talk With a Local Expert

At Hinman & Associates Insurance, we help Reno, NV, business owners navigate their commercial insurance options. We’ll explain how to prepare before the next tremor hits. 

How Home Insurance Handles Theft and Vandalism

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If you live in Nevada, you probably don’t spend much time worrying about theft or vandalism at home — until it happens. A stolen TV, a broken door, or graffiti sprayed across the garage can turn a normal day into a stressful one fast. Insurance can’t undo the mess, but it’s there to help you recover without taking the full financial hit. Your insurance representative at Hinman & Associates Insurance serving Reno, NV, explains how it all works in situations like this.

Coverage for Stolen Belongings

Most standard home policies will cover your things if they’re taken in a burglary. That usually includes furniture, electronics, and even clothing. Sometimes items stolen from your car while it’s parked at home fall under this protection, too. What surprises a lot of people is the limits on pricey items like jewelry or collectibles. If you have valuables, it’s smart to look into extra coverage rather than assume they’re automatically protected.

How Vandalism Fits In

Coverage is usually included for valdalism, like smashed windows, spray paint on siding, or damage to landscaping. But your insurer will expect proof. Photos, receipts, and a police report go a long way. Calling law enforcement right away supports your claim and shows you took the right steps.

Filing a Claim the Right Way

After the police, your next call should be your insurance company. From there, it’s all about documentation. Keep repair estimates, receipts, and any proof of ownership you have. The clearer the picture you paint, the quicker the claim tends to move.

Theft and vandalism aren’t pleasant topics, but they’re real risks for Nevada homeowners. Having the right coverage, and knowing how to use it, make all the difference when something unexpected happens. Contact Hinman & Associates Insurance serving Reno, NV, for help.

Can You Get Classic Car Insurance For A Daily Driver?

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Classic cars are a source of pride and joy for many enthusiasts. There’s nothing quite like the thrill of getting behind the wheel of a fully restored vehicle. However, when it comes to insuring classic cars, some people may opt for specialized classic car insurance instead of standard auto insurance due to its tailored coverage and affordability. It’s important to understand the specific regulations and requirements associated with these policies.

Mileage Requirements

Classic car insurance is designed for vehicles that are driven for pleasure or showcased at car events. Because of this, many policies include mileage restrictions. For example, some companies may require that cars are not driven more than 7,500 miles annually. Exceeding this limit could result in a denied insurance claim. If you’re in Reno, NV, it’s essential to understand these limitations to ensure your coverage remains valid.

Usage Limits

While some insurers offer unlimited mileage, they may impose usage restrictions instead. Under these policies, cars can only be driven to events, car shows, or occasionally for leisure. They cannot be used for daily commuting or routine errands. To learn more about usage limits, it’s important to consult with an insurance provider like Hinman & Associates Insurance.

Other Requirements

Classic cars must meet specific criteria to qualify for this type of insurance. Typically, the vehicle must be at least 25 years old. Additionally, many insurers require that the car is stored in a secure location, such as a garage or driveway, to minimize the risk of damage or theft. A clean driving record is also often a prerequisite for obtaining coverage.

At Hinman & Associates Insurance, we understand the importance of meeting the requirements for classic car insurance. Our experienced agents are here to guide you through the process and ensure you have the coverage you need. Contact us today to learn more. We proudly serve the Reno, NV area.

Does Renters Insurance Cover Pets?

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While pets can bring joy and companionship, they also have the potential to cause damage and serious injuries. Millions of Americans suffer pet-related bite or fall injuries each year. If you rent a home and have one or more domesticated animals, there’s always a risk that a visitor, neighbor, or pedestrian could be harmed.

Insurance Coverage

Renters insurance typically provides pet-related liability protection. It often covers damage or injuries caused by pets in Reno, NV. Be sure to discuss any animals with your agent when you sign up for a policy or adopt a new pet. Insurers may refuse to cover a dog that has attacked someone in the past.

There are also some restrictions on coverage for property damage. Renters insurance won’t cover repairs or replacement when a pet harms your own belongings. This type of policy doesn’t cover the building you live in, so it usually won’t insure against damage to the landlord’s property. Such damage is likely to be covered by your security deposit.

Veterinary Care

Renters insurance doesn’t cover veterinary treatments or loss of the pet itself. This is true even if your pet is injured while inside the rental property. Pet insurance or pet theft insurance can cover these expenses. Some auto insurers include coverage for animals that suffer injuries in vehicle accidents. Renters insurance may cover pet boarding if you have to leave your home due to a fire or another covered event.

When you need renters insurance that covers your belongings and pets, the friendly staff at Hinman & Associates Insurance can help. We offer top-notch customer service and a variety of dependable coverage options. Our agents take the time to learn about each client’s particular needs. Contact the Hinman & Associates Insurance office in Reno, NV, by calling 775-348-6262 today.

Insurance Guidelines for Ownership of a Refurbished Motorhome

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Are you planning to purchase a refurbished motorhome? If so, it’s important to review some insurance guidelines to support your new ownership. Insuring your investment will protect it in the event of a natural disaster, criminal activity, or incidents where you are found at fault.

Usage

Your insurance coverage should align with how you plan to use your motorhome. If your motorhome will be driven, liability insurance coverage is essential. This coverage protects you against vehicular accidents where you are at fault.

If your refurbished motorhome will be used for towing purposes, consider adding towing coverage to your policy. This type of coverage protects towing equipment from theft, vandalism, and extreme weather conditions.

Operating Systems

The HVAC unit, stereo, and other operating systems within the refurbished motorhome can be included in your insurance policy. Any systems of value should be considered when preparing your motorhome insurance policy.

While coverage won’t protect against everyday wear and tear, it will provide protection if your equipment is vandalized, stolen, or severely damaged during a natural disaster.

Motorhome Inclusions

Before purchasing a refurbished motorhome, it’s a good idea to assess the inclusions that come with the RV. Furnishings, decor, and permanent fixtures within the RV can be added to your insurance policy.

Schedule an Appointment With an Agent in Reno, NV

Call our office to speak with an agent from Hinman & Associates Insurance. A representative from our company will schedule an appointment to discuss the insurance coverage options available for the refurbished motorhome you plan to purchase.

How to Choose the Right RV Insurance Policy for Your Travel Style

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Choosing the right RV insurance policy is crucial, and several key factors should be considered. If you’re in the Reno, NV area and looking for insurance coverage options, Hinman & Associates Insurance is here to help. We can help you protect your RV based on your travel style, usage frequency, and the level of coverage that best suits your needs. With the right policy, you can enjoy peace of mind on the road.

How Often Do You Use Your RV?

If you only use your RV during the summer months for vacations, you may not need the same level of protection as someone who uses their RV year-round. While coverage is still essential, you might want to explore policy adjustments for the months when your RV is not in use. This ensures you have adequate coverage throughout the year without paying for unnecessary extras during non-driving months.

Are You a Full-Time Traveler?

If your RV serves as your full-time home, you’ll need a different policy than someone who uses their RV occasionally. Working with our dedicated agents can provide you with valuable insights into the various policy options available. We’ll help you find the right coverage to ensure you’re protected no matter where your adventures take you.

Work With Insurance Experts You Can Trust

Contact us today at Hinman & Associates Insurance if you’re in the Reno, NV area and need RV insurance. Our team is ready to discuss your options and provide you with multiple quotes from top insurers so that you can choose the best policy for your needs. How often you travel and how you use your RV are key factors in determining the right coverage for you.

Motorcycle Insurance for Seasonal Riders in Reno, NV: What You Need to Know

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For numerous motorcyclists in Reno, NV, riding is a seasonal delight. The open road is an integral part of their lifestyle, whether it’s the refreshing spring breeze or the warmth of a summer’s evening ride through the Sierra foothills. But what happens when winter arrives, and your motorcycle remains in storage for months? This is where seasonal motorcycle insurance becomes crucial.

If you’re not a year-round rider, you might be tempted to cancel your policy during the off-season. However, this could put your bike and finances at risk. Even when parked, your motorcycle can be damaged by weather, theft, or vandalism. A lapse in coverage can also lead to higher premiums in the future.

Hinman & Associates Insurance suggests adjusting your coverage rather than canceling it entirely. Many insurance providers offer the flexibility to reduce your policy to comprehensive-only coverage during the months your bike is stored. This approach protects your motorcycle against non-collision risks while lowering your premium.

Your full coverage can be easily reinstated when you’re ready to ride again. Just remember to notify your agent before that first ride of the season. Also, remember that liability insurance is required by law in most states, including Nevada, even if you’re only an occasional rider.

At Hinman & Associates Insurance, we assist seasonal riders in Reno, NV, in striking a balance between cost and protection. We understand the local riding climate and offer tailored solutions that meet your needs, whether you’re on the road year-round or only a few months each year.

Before you store your bike or prepare to hit the road again, give us a call. We’re here to ensure that your motorcycle is insured intelligently, season after season.

Has Your Boat Been Lost or Stolen? Three Steps to Take with Your Boat Insurance in Reno, NV

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Boat owners often joke that the two best days of boat ownership are the day they buy and sell the boat. This sentiment holds true unless your is stolen. Unfortunately, boat theft is a reality for some residents of Reno, NV, and we at Hinman & Associates Insurance handle such claims regularly. While you can’t change the past, responding appropriately can influence the future. Here are three steps to take if your boat is stolen.

1. File a Police Report

When your boat is stolen, the first action is to file a police report. The sooner you file, the fresher your memory of the incident will be, leading to a more accurate report. Prompt reporting also increases the chances of recovering your boat. A detailed police report is crucial when filing your insurance claim, so strive for accuracy and thoroughness.

2. Submit an Insurance Claim

Immediately file a claim with your insurance provider. The sooner you file, the quicker you’ll receive your settlement. Your insurance company may also assist in locating the boat using the pictures and documentation you provide.

3. Document Everything

Photograph every part of your boat and keep all related documents, such as the bill of sale, registration, and any other paperwork related to your watercraft. This information will be invaluable to the police during their search. Without this documentation, proving ownership of the boat if it’s recovered can be challenging.

At Hinman & Associates Insurance, we’ve been providing comprehensive watercraft insurance to customers in the Reno, NV, area for decades. If you’re seeking the ideal policy for your boat, contact us today.