Monthly Archives: October 2016

Do You Need To Insure A Car You Can’t Drive?

So here’s something worth considering: If you own a car, but you can’t drive it for one reason or another, do you need to insure it? If you’re still doing repair work on it, if your driver’s license isn’t valid, if you need to get new tags before you can get behind the wheel, do you really need insurance?

The short answer is that, legally speaking, you’re only required to carry insurance if you’re going to be out on the road. Nobody’s going to come repo your car if they find out you’re uninsured. You’re not going to go to jail or paying any fines for being an uninsured driver if you’re not even a driver.

But, there are all sorts of risks that come with being uninsured besides getting in trouble with the law over it, and without insurance, those problems are yours and yours alone to worry about.

If a tree gets hit by lightning and falls on your car, if vandals decide to practice their painting skills on your auto, or if someone steals it, you’re left holding the bill for the loss. This is maybe not a big deal if we’re talking about a $500 used car that you’re using for spare parts, but if it’s a car that you are planning on driving again one day, then you need to consider whether or not it’s worth the risk of going with a policy from a provider like Colling Insurance Services Inc.

In any event, insuring a car that you’re not driving can be less expensive than covering a car that you are driving. Ask your provider about a storage protection plan, or just getting "comprehensive only" insurance.

Fall Home Checklist, Getting Ready for Winter

As winter approaches it becomes necessary to get figure out just what your home needs to be prepared. There are tons of different things you can do to protect your home and get it ready for winter. For those in the Lakewood, CO area, Colling Insurance Services Inc. can help you answer all your insurance questions when getting ready for winter.

The first thing that any homeowner should do is to winterize their home. This means sealing off rarely used doors and windows to help reduce energy bills and to keep out the cold. You can also cover plants, garden areas, and even seal driveways and sidewalks to help prevent cracking and breakage due to the expansion of water. 

Though physical preparation of your home is necessary, you may also need to look at your insurance policies and update, change, or entirely replace them. Winter is one of the busiest times when it comes to homeowner’s policy claims because of wintery weather and having the right policy in place can make a huge difference.

If you are unsure about what coverage you already have or what coverage you need, talking with an insurance agent can really help to dispel any fears and answer your questions. A skilled agent can help you determine what amount of coverage you need, what types of policies you may need, and can help you change or get new policies entirely so that you are covered when winter arrives.

Fall is a wonderful time to take a look at your policies and reevaluate the coverage that you have to make sure you are fully covered in the event of winter weather.

For all your insurance needs in the Lakewood, CO area, contact Colling Insurance Services Inc. today.