Because auto insurance isn’t free, you might ask why you need auto insurance. After all, you have stayed for years without filing a claim, yet you continue incurring annual premiums. Auto insurance, just like health or commercial insurance, is coverage you wish to have but never use. However, you will thank the insurance gods you had it when a disaster strikes.

If you have been having second thoughts about auto insurance, Curtis Miller Insurance, located in Parkersburg, WV, shares reasons why auto insurance is a must.

It’s mandatory

All motorists in West Virginia are required to carry auto insurance. It’s mandatory to include at least liability coverage in your auto insurance. Failure to have valid auto insurance may lead to license suspension, penalties, and possible jail time. 

It gives you peace of mind

When driving in West Virginia, the experience should be relaxing and stress-free. However, you can’t get this peace of mind without auto insurance. Car insurance keeps you calm, knowing that you, your car, and your family members are protected, regardless of the errors of other motorists.

It protects your asset

Whether your car is old or new, it’s precious to you. And just like any other invaluable asset, you need to protect it. While maintenance is part of the things you do to protect your car, auto insurance should be the other thing you shouldn’t forget when it comes to protecting your vehicle.

It covers medical expenses

Given that car accidents occur daily, it’s not uncommon to sustain auto injuries. Thankfully, auto insurance helps you cover medical expenses following a vehicle accident. While you may have health insurance, MedPay or PIP in your car insurance provides broader coverage. For instance, it covers funeral expenses and partial loss of income that the typical health insurance plan doesn’t cover. 

Buy auto insurance today!

If you would like to enjoy the above auto insurance benefits, it’s time to purchase coverage from Curtis Miller Insurance in Parkersburg, WV. Contact us today for an affordable quote. 

Whether you own a small or big business in Parkersburg, WV, commercial insurance is essential for protecting your business against certain risks. Curtis Miller Insurance takes you through some common types of commercial insurance that you require to protect your business.

General Liability Insurance

It helps protect you in case a third party is injured while at your workplace. Any medical costs arising from an injury plus legal fees if sued are covered under this type of insurance.

Workers Compensation

Even if you own a small business, the moment you employ your first worker, it is good to get this type of insurance. If your employees are injured while working, it will help cover their medical costs and potential legal fees if they sue.

Commercial Auto Insurance

If your company owns a vehicle to help with operations, you will need this type of insurance. It helps protect your employees and your business from any losses that may arise if the vehicle gets into an accident.

Property Insurance

It helps protect the assets of your company like equipment, furniture, inventory, and the building. In the event of a theft, fire, or natural disaster, this policy has you covered against financial losses.

Errors and Omissions Insurance

Also referred to as professional liability insurance, it helps protect a business from a client lawsuit resulting from a mistake that you or your employee has made. This type of policy is prevalent with lawyers, financial advisors, and people in the tech industry.

Business Interruption Insurance

It helps pay for lost income in case you are forced to close a business temporarily due to factors like a blackout caused by the local electrical grid or a significant storm. You can be confident that your business will still stay afloat even after the interruption.

In Parkersburg, WV, business owners can enjoy peace of mind when working with a reliable insurance company like Curtis Miller Insurance. Contact us today to discuss how we can help you protect your company.

Life insurance is a topic that many shudder when it’s mentioned. But because death is a reality, we must talk about life insurance, especially if you have loved ones that depend on your income. Life insurance is a worthy investment that takes care of your financial obligations when you are long gone. Still not convinced about life insurance? Hang on as Curtis Miller Insurance of Parkersburg, WV shares reasons you should invest in life insurance.

For peace of mind

It’s normal for human beings to worry. And there is nothing that keeps you more worried than thinking how your dependents will survive when you pass away. Thankfully, if you have life insurance, you can be sure that your loved ones’ financial liabilities will be taken care of when you die.

To ease the financial burden for your dear ones

When you are alive, you probably have children, aging parents, a spouse, or a disabled sibling that depends on your income. Thankfully, if you have life insurance, this policy replaces your income, enabling your loved ones to pay their bills when you die. While life insurance won’t replace you, it ensures that you don’t leave your dear ones in a financial mess when you pass on. 

To take care of your debts

Do you have a mortgage? Or perhaps you have a credit card or federal student loan? If you die and your loans are outstanding, your cosigners and loved ones will have to repay the loans on your behalf. With your loved ones going through a tough time processing your demise, it will be devastating to add a financial burden on them. Instead, be wise and take life insurance today to take care of your debts.

To ensure your business continues

Life insurance isn’t about individuals only. It protects businesses, too. If you are in a business partnership and die, life insurance buys your partner time as they figure out the next move.

Would you like to buy life insurance in Parkersburg, WV? You are on the right track. Whether young or old, it’s never too late to purchase life insurance. Contact Curtis Miller Insurance, and we will help you plan your life when you are long gone. 

Motorcycle insurance for Parkersburg, WV bikes can provide a high level of coverage protection for a variety of situations. Fully understanding your policy options will make it easier for you to find a provider that meets your needs, ensuring that you are delighted with your overall coverage.

Types of Motorcycle Insurance

Depending on your policy provider, there are many different types of insurance options from which you can choose. Fully understanding your options requires you to grasp just what types they provide and how these different options can benefit you. Just a few choices that you can make when buying high-quality policies from Curtis Miller Insurance and other provides include:

• New Motorcycle Insurance – If your bike is new or like-new, this type of policy will provide payment for various issues.
• Vintage Insurance – When your bike is older or considered vintage or antique, you can bet specialized policies to pay for the damage.
• Moped Policies – Bikes that are street legal but low-power – such as 50cc mopeds – may require specialized policies in some areas.
• Dirt Bikes – Insuring your off-road dirt bike is a good idea if you compete in extreme sports or other types of regular events.
• Other Policy Types – Insurance companies usually provide scooters, customized bikes, sports motorcycles, touring bikes, and even trikes.

Most of the time, your policy will be chosen based on the type of bike that you own. However, you may also get specialized collision, liability, and even some umbrella policies to help protect your bike.

Find a Policy Today

So if you’re interested in a high-quality motorcycle insurance policy that will protect your Parkersburg, WV bike from damage, contact us at Curtis Miller Insurance right away. We will find an option that meets your needs and help you fully understand everything that it covers.

No one will live forever. The statement’s weight is evident when a breadwinner in a family dies suddenly without a proper financial plan for their dependents. While death is a touchy subject, discussing the welfare of your dependence in case of your untimely demise should be a welcome conversation. Life insurance is the solution to your questions on your immediate kin’s interests when you are no longer alive. 

Why You Need Life Insurance?

If you live in Parkersburg, WV, here are some benefits you can derive from our life insurance plan at Curtis Miller Insurance. 

To Protect Your Family and Loved Ones

The welfare of your dependents will be at stake in case of your untimely death. Whether it’s your children or older parents, ensuring their protection is your ultimate responsibility if you are no longer there. Life insurance helps you protect those who depend on your income. It ensures there’s enough money to manage the education and other daily living activities for your dependents. 

To Leave an Inheritance 

It’s not always that you’ll have an inheritance in asset form to leave behind. If you don’t have assets in place to pass on to your heirs, life insurance can bridge that gap for you. Life insurance is a perfect way to set your family up for a stable future. Life insurance can provide your loved ones with a concrete financial plan to meet their future financial needs. 

Get Past Debts and Creditors 

The debts you incur in life can be a real concern for your family if you are no longer available to handle them. What will happen when creditors descend on your family demanding payments for debts owed? Life insurance helps your family manage such an accumulated financial burden when you are no longer alive. 

To Ensure Peace of Mind 

It’s such a relief to know that you have a safe stash of cash somewhere safe. Peace of mind is essential, considering that you don’t know how long you’ll be on earth. You don’t have to endure the fear of the unknown as long as you have life insurance. 

Contact us Today 

Whether you are young or advanced in age, life insurance can help you live a legacy for your dependence. Your immediate family won’t have to worry about education, sustenance, or debts. Our life insurance coverage at Curtis Miller Insurance offers comprehensive coverage for residents in Parkersburg, WV and surrounding areas. 

Contact us today for all your life and other insurance-related needs. 

According to the official statistics, about 8% of the population of the United States has experienced some kind of major disaster. One of the most common disasters is flooding. For this reason, having flood insurance is important, even if your home is not located in a flood-prone zone. Curtis Miller Insurance serving Parkersburg, WV prepared a list of reasons why getting flood insurance is a good idea:

Save Money

Whether you live in a flood-prone zone or not, having flood insurance may help you save thousands of dollars. If your home does experience a flood that causes damages, you could end up paying a fortune for repairs and fixings if you are not insured. 

Have Peace of Mind

One of the main benefits of purchasing flood insurance is having peace of mind and knowing that even if a flood occurs, your home and personal belongings will be safe. 

Floods are very common

Flooding remains one of the most common natural disasters in the US. Floods occur in all 50 states, meaning that no one is fully protected. Even if you do not live in a flood-prone zone, it does not mean that a flood will never happen. 

Flood Insurance Is Affordable and Easy

Many people do not buy flood insurance because they think it is an expensive and complicated process. In fact, it is quite straight-forward and affordable. Moreover, it can help you save thousands of dollars in repairs and replacement. 

We Are Here To Help You

Finding a proper flood insurance policy may be a challenging task, especially if you have never done it before. Curtis Miller Insurance serving Parkersburg, WV is ready to help you find a policy you need. Our qualified and experienced insurance agents are ready to assist you and answer all your questions. Feel free to visit our website or give us a call for more information. 

If you own a business in West Virginia, the state dictates which types of commercial insurance that you must carry. There are two types that the state mandates, and there are other types that are often recommended to business owners but are not mandatory. If you need commercial insurance for your business, contact us at Curtis Miller Insurance in Parkersburg, WV to talk to an agent about your business and its needs.

Workers’ Compensation

This is a type of commercial insurance that is required of all businesses that have at least one employee. You may have just one worker who is part-time, but you will still have to take out an insurance policy for that employee. This coverage type protects your business and yourself as well as the person who was injured or became sick. With this policy, a work-related injury or illness that comes with medical bills will have those bills paid up to your policy’s maximum. This keeps both you and your business from having to pay for these medical expenses. This type of insurance can allow your business to continue even after a serious injury or death.

Auto Insurance

If your West Virginia business owns a vehicle, it must be covered by a commercial auto insurance policy. This coverage must have a specific minimum of coverage for each person’s bodily injury liability as well as an amount for the bodily injury liability of the entire accident. You must also have coverage of a specific amount for property damage liability for each accident as well as a specific amount of coverage for one injured person who is an uninsured motorist. 

Insure Your Business

If you don’t have your required commercial insurance policies, or you want to change to a different carrier, contact us at Curtis Miller Insurance in Parkersburg, WV to talk with an agent.

Commercial insurance is essential for any type of business. Without it, your company is open to devastating financial loss that can eventually ruin your business. Protecting your business with the right type of commercial insurance coverage will give you the peace of mind you need. At Curtis Miller Insurance, agents can assist business owners in Parkersburg, WV when they have questions about protecting their business.

Reduces Risk of Financial Losses

Commercial insurance reduces the risk of financial loss that may be the result of lawsuits or other types of legal action. Financial loss can also be the result of damage caused by storms or other types of disasters. Storm damage can be quite costly and hard to prepare for that’s why having a commercial policy in place is so beneficial.

Keeps Your Business Running Smoothly

If an accident does occur or your business experiences significant financial loss, your commercial insurance will kick in and guarantee that your business will be able to make it through this difficult time. Keeping your business running smoothly during difficult times is extremely important.

Covers Various Types of Liability

Commercial insurance covers many different types of liability including product liability, property liability, and personal liability in case someone is accidentally injured while they are on your property. Understanding how liability affects your business is extremely important.

If you live in Parkersburg, WV, call and speak to the agents of Curtis Miller Insurance. They can help you understand why having commercial insurance is so important. They will be able to evaluate your business and give you insight into how commercial liability will help your business. If you have questions, they have the answers you are looking for.

For many, owning a classic car is the fulfillment of a lifelong dream. As a result, you want to ensure that your beautiful vehicle is covered to the fullest extent possible so that if an accident occurs you can recover from the loss quickly and with as little monetary loss as possible. While you can certainly use personal auto insurance to cover classic vehicles, personal policies are not designed to account for the appreciation that many collector cars have. For example, personal auto policies take depreciation into account which means that if you own the vehicle for three years and are in a total loss accident the insurance company will not pay you sticker price. With classic car insurance, you’ll work directly with your agent or the company to determine the actual value of your vehicle so that if an accident does happen the insurance company will take the collector status into account. To qualify as a classic or collectible car, the vehicle must be at least 25 years old and be appreciating in value. If the vehicle is less than 25 years old then it must be considered rare or exotic and have significant appreciation in value. 

Outside of that key difference, classic car insurance offers the same coverage options as traditional auto insurance with everything from comprehensive to liability to uninsured motorist coverage. Shopping for classic car insurance doesn’t have to be stressful and by leveraging the talented and friendly team at Curtis Miller Insurance in Parkersburg, WV you’ll rest easy knowing that we’ll do the hard work to find you the perfect policy for your needs without breaking the bank. When your classic car needs protection, give us a call to schedule an initial consultation to discuss your needs and coverage options. 

In the Parkersburg, WV area, owning a home can be a great long-term personal investment. When you are in the market to purchase a home here, you should consider all of your insurance needs. While all people will need to have a standard home insurance policy, others may also need to get insurance to protect against flood damage. There is a range of reasons why you should get a full flood insurance policy for your property in this area of West Virginia.

Offers More Flood Protection

The main reason that you should get flood insurance in this area of West Virginia is that it can offer you more flood protection. Anyone that lives around here knows that the local waterways do come with some risk of flood damage. If you do not have sufficient coverage through other insurance policies, you should consider getting a flood insurance plan as it will give you the additional coverage you need to protect your home and provide you with comfort.

Flood Insurance is Often Required

Another example of why you should get flood insurance is that it can ensure you remain in compliance with your flood insurance requirements. Depending on where your home is located, you could be in a designated flood zone. If this is the case for you, your mortgage lender will undoubtedly require you to get appropriate coverage. In most cases, you will need to have your flood insurance payments escrowed each month along with your real estate taxes and base home insurance policy.

As you are looking for flood insurance in the Parkersburg, WV area, it could be challenging to determine your actual need. The team at Curtis Miller Insurance can help you with this. When you call Curtis Miller Insurance, you can get the support and guidance you need to understand your options and to choose a policy.