HOW CAN WE HELP YOU?

Click to Call
Safe Insure Plus, LLC

2105 S. Elliott
Pryor, OK 74361

Get Directions
Oklahoma Auto insurance coverage

What Should I Do if I Have an Accident While Boating?

Every year, thousands of people are involved in boating accidents. While some of these accidents are minor, others can be serious or fatal. If you are involved in a boating accident, it is important to know what to do to ensure your safety and the safety of others. Here is a step-by-step guide on what to do if you are involved in a boating accident.

1. Stop Your Vessel Immediately

Sometimes, people involved in boating accidents try to continue sailing or operating their vessel even after the accident. However, stopping your boat immediately after an accident is essential. This will help ensure that everyone involved is safe and that further damage does not occur.

2. Check for Injuries

If anyone is injured, provide first aid and call for medical assistance. It is also important to remember that some injuries, such as spinal cord injuries, may not be immediately apparent. Therefore, it is important to err on the side of caution and wait for medical assistance if there is any doubt about the extent of an injury.

3. Notify the Authorities

If the accident is severe, you will need to notify the authorities. This can be done by calling 911 or the coast guard. In some cases, such as when someone has been injured or killed, this may be required by law. In other cases, it is simply a good idea to notify the authorities so that they are aware of the accident and can help with any investigations.

4. Notify Your Insurance Company

After an accident, you will need to notify your insurance company. This is important because they can help you with any claims that need to be filed. Your insurance company will also provide information on what to do next and how to proceed with your case. Remember to be honest with your insurance company and provide them with all the relevant information so that they can help you to the best of their ability.

If you are involved in a boating accident, it is crucial to follow the steps above to ensure your safety and the safety of others. If you have any questions or concerns, contact Safe Insure Plus LLC in Pryor, OK for assistance. We can also help you get the insurance coverage you need to protect yourself in an accident. Give us a call today.

How Often Can I Drive My Classic Car?

Suppose your car is more than a certain number of years old; you will need it inspected. It makes sure it meets the requirements for being on the road. The inspection will also let you know how often you can drive your car and its maximum mileage between tune-ups. If your car is a classic model, you may need permission from the state’s motor vehicle authority. For inquiries, visit the Safe Insure Plus LLC agency at Pryor, OK. 

What Entails Driving a Classic Car 

While it may appear like there are a few limitations on when you can drive your classic car, it’s crucial to remember that these cars are not like your average automobile. While some may be mechanically simple and easy to work on, others can be complicated to maintain. 

To minimize the risk of damaging your classic car, you can stick to driving it on lovely days during the warmer months, or you can only drive it to car shows or other events where it won’t be exposed to harsh weather conditions. It’s also important to maintain your classic car regularly, as these cars require maintenance similar to that of antique cars, which can be very time-consuming. 

If it’s a collectible car over 20 years old, you’ll have to be careful about how you drive it. In most cases, you can drive your classic car as often as you like, as long as you take care of it and inspect it regularly. The recommended driving distance between trips is a minimum of 10 hours. If you are driving a car with a carburetor, it is recommended to let the car sit for 10 hours before you start driving it again. If it has fuel injection, you should let the car sit for 16 hours before you start driving it again. 

You must change air filters every 15,000 miles and get your car inspected every 12 months. An easy way to ensure you’re following all of the rules for driving your classic car is to ensure that you have a car alarm installed. This will let people know that your car is not something they can hop into and drive away. 

Bottomline 

You should ensure that you’re following the maintenance schedule for your classic car. You may need to do preventative maintenance, like changing the oil more frequently or checking the belts more often than in a standard vehicle. For help, call Safe Insure Plus LLC in Pryor, OK.

The importance of insurance for Oklahoma renters

Safe Insure Plus LLC is here to provide the greater Pryor, OK community with their insurance needs. If you are getting ready to move into your first apartment, don’t forget about renter’s insurance! Our office is here to help – call or stop by today!

Why renter’s insurance is so important

The main reason that renter’s insurance is so important is that your landlord’s insurance will not protect you. Many people mistakenly believe that their unit and belongings are covered under the building owner’s policy. While their policy will protect the building structure itself, the likelihood that your possessions would be covered by their policy is incredibly small.

Having your own policy can help you if there is a fire, robbery, or some other catastrophic event covered by your particular policy. In some cases, your renter’s policy will also protect you if the loss occurs away from your home. For example, if your bike is stolen from outside your favorite coffee shop, the loss may be protected by your renter’s policy.

In more significant instances, such as a water pipe break that destroys your clothes and furniture, having a renter’s policy can help you get back on your feet and recover after the loss. Liability protection will help if someone is injured while at your apartment, protecting you from financial responsibility. 

Let us help you find the right policy for your needs

If you are getting ready to move into an apartment or another type of rental property in the greater Pryor, OK area, it’s time to get to know the team at Safe Insure Plus LLC. We are here to help with all of your insurance needs. Give us a call or stop by our office today!

Do I Need Renters Insurance Even if My Landlord Has Insurance?

One of the most common reasons most tenants don’t have insurance is because they believe the landlord’s insurance covers them. While the landlord has insurance, this coverage only covers the rented property. You have to get renters insurance from Safe Insure Plus LLC of Pryor, OK for optimal protection of your possessions.

Is renters insurance mandatory?

No Oklahoma law requires tenants to invest in renters insurance. However, some property owners may require you to purchase renters insurance before letting their property. This requirement cushions the landlord against liabilities you may cause to other tenants. But whether renters insurance is compulsory or not, it’s time you started considering this coverage.

Why should I invest in renters insurance?

You might wonder whether renters insurance is worth the investment. The truth is that renters insurance is worth every penny because it protects you in the areas below:

  • Liability protection: You may not have thought about it, but liability coverage is a lifesaver. One liability claim (for instance, your pet biting someone) can put you in a financial mess in ways you never imagined. In light of this, consider renters insurance to cover you when faced with liabilities.
  • Assets protection: It has taken your resources, time, and efforts to accumulate the assets you own. So, why not protect your belongings with renters insurance? Purchase umbrella insurance to cover your assets. And the good thing is that your asset doesn’t get coverage only when inside your house. Renters insurance covers your assets even when outside the rented dwelling.
  • Loss of use: Renters insurance pays for the additional living expenses if a risk listed in your policy makes your dwelling unlivable. It means that renters insurance covers expenses like hotel food, accommodation, laundry, and other costs until your home becomes habitable again.

Ready to invest in renters insurance in Pryor, OK? If yes, please get in touch with Safe Insure Plus LLC for a competitive quote.

What’s Unique About Umbrella Insurance?

Liability insurance covers you and your family when accused by other people. For instance, home insurance comes to your rescue if your pet bites someone. Auto insurance pays for the damages if you are at fault for a car accident. However, your home or auto insurance can only do so much when faced with significant liability claims.

When your typical liability coverages are stretched, you will be a lucky fellow if you have umbrella insurance from Safe Insure Plus LLC of Pryor, OK. This coverage picks off from where your typical liability coverages leave off, protecting your assets and earnings.  

What’s unique about umbrella insurance?

Now that you know how umbrella insurance protects you, let’s look at the benefits of umbrella insurance. Umbrella insurance is superior because:

  • It provides unique protection: Umbrella insurance provides additional coverage not covered by other conventional coverages. You may have home and auto liability coverages, but none offers coverage against personal liabilities like slander, false arrest, malicious asset, and libel. So, umbrella insurance not only provides higher liability coverage but also offers broader coverage.
  • No geographical limitation: Your home insurance and auto insurance are limited within the boundaries of America. However, if you have umbrella insurance, it protects you anywhere in the world.
  • Super affordable: You may be mistaken to think that umbrella insurance is expensive given the high coverage it provides. The reality is that umbrella insurance is pretty affordable since it comes into play after the underlying insurance policy has been exhausted.
  • Protects your assets: Given that you can be sued for virtually anything in America, umbrella insurance gives you the confidence that your assets are well-covered even when lawsuits come knocking on your doors.

Ready to boost your auto or home insurance with umbrella insurance? If you are in Pryor, OK and its environs, please get in touch with Safe Insure Plus LLC for a competitive quote. 

What is Umbrella Insurance and How Does it Work?

No one is perfect, and man is to error. That’s why most of us buy liability insurance. Liability insurance is that policy that protects you financially in case you cause property or bodily injuries to others. The truth is your liability coverage for your auto, home, or boat is not adequate. That’s why umbrella insurance is crucial.

So, what is umbrella insurance, and how exactly does it work? Well, if these are your questions, be sure to read through the article as Safe Insure Plus LLC takes you through the ins and outs of umbrella insurance.

What is umbrella insurance?

Umbrella insurance, also known as personal liability insurance, is additional liability protection that kicks in when your other coverages deplete. Think of umbrella insurance as a safety net for your assets and savings.

When you cause significant injuries or damages exceeding your other liability coverages, you are forced to dig into your pockets to pay for the extra cost, which could interfere with your savings or, worse, your assets if the amount is enormous. But with umbrella insurance, you rest assured knowing the policy will pay for the extra cost.

Additionally, umbrella insurance covers what your other standard policies do not cover, like slander, false arrest, malicious prosecution, and libel.

How does umbrella insurance work?

Ideally, umbrella insurance steps in when your other liability limit gets depleted. For example, assuming you are at fault in an accident that causes major injuries and the medical bill amount to $500,000. Suppose your auto liability coverage is $400,000, leaving a balance of 100,000 dollars. At this point, your umbrella insurance steps in and pays for this balance.

If you purchase umbrella insurance, it covers the below when accused by third parties:

  • Bodily injury liability
  • Property damage liability
  • Personal liabilities like libel
  • Certain lawsuits

Umbrella insurance in Pryor, OK

If you value your assets, then umbrella insurance is a must-have coverage. One event can deplete your other liability policies, which could force you to sell your assets or drain your savings account to pay. Don’t wait for worse scenarios. Instead, purchase umbrella insurance today at Safe Insure Plus LLC.

Do you need to have motorcycle insurance in Oklahoma?

Anyone that lives in the Pryor, OK area will need to have a mode of transportation to get around their community. One option that you will have is to invest in a motorcycle. A motorcycle can be a good option as it will be fun to drive and provide an efficient way to get around. If you want to buy one here, you also need to get the right motorcycle insurance plan as it can be needed for several reasons. 

Insurance Needed to Cover the Asset

A primary reason to have a motorcycle insurance plan is to cover your asset. When you are going to purchase a motorcycle, you will be making an investment in an asset that you will want to use well into the future. If you obtain motorcycle insurance, you can ensure you are covered against the risk of theft, accident damage, and other situations that could cause a loss.

Insurance is Needed to Comply with Law

You also will need motorcycle insurance to stay in compliance with the law. Those that are going to drive a motorcycle or other type of vehicle will always need to have liability coverage, which is similar to driving any type of vehicle on public roads. If they do not have coverage, they can face various penalties such as fines or even losing their license. 

People that are in the Pryor, OK area will always need to make sure that they are properly insured. If you are a motorcycle owner, getting a motorcycle insurance plan should be a necessity. As you are looking for your motorcycle insurance policy, calling Safe Insure Plus LLC is a good option. The professionals with Safe Insure Plus LLC will help you understand your insurance coverage options and give tips when building your plan. 

How Oklahoma Umbrella Insurance Can Help With These 3 Legal Problems

When you own a home, a vehicle, or have a profession where you could be subject to civil claims or lawsuits, umbrella insurance is an excellent way to provide additional liability coverage. Umbrella insurance will cover you in the event of lawsuits or legal problems that are unmanageable after your current coverage limits.

At Safe Insure Plus LLC, we want Pryor, OK residents to have the coverage they need for every potential legal problem in life.  Here are three legal reasons you may get some umbrella insurance coverage.

Defamation of Character

Slander, and libel, are two terms that fall under the category of defamation. Lies made about someone or something could put you at risk of a defamation lawsuit. 

You may have liability coverage for this, but it may not be enough. Umbrella insurance is a liability coverage with a higher coverage limit that can cover the costs of a defamation lawsuit.

False Arrest

A false arrest occurs when someone is arrested without cause, and this causes emotional pain and suffering. If a false arrest occurs because of something that you said or did, you could get sued. Umbrella insurance would cover this.

Malicious Prosecution

Malicious prosecution is much like a false arrest but occurs in the court system. This occurs after an indictment or charge has been levied.

It can happen that an indictment or charge is levied maliciously, which is illegal. You could get sued for this. Umbrella insurance would cover this.

Get a Quote

These are just a few of the legal problems you could have covered with the liability insurance known as umbrella insurance. If you don’t already have umbrella insurance, now is a good time to update your insurance bundles with an umbrella insurance policy. 

At Safe Insure Plus LLC, we want Pryor, OK residents to feel secure in their lives and protected from every potential legal liability. Call us for a quote on umbrella insurance today.

Is Commercial Insurance Required in Pryor, OK?

If you own a small business in Pryor OK, you want to protect your investment. Knowing what kind of insurance is required will help you choose the right policy for your business. Safe Insure Plus LLC understands that commercial insurance is full of complexities. If you are considering your insurance options, here’s what you should know.

Does Oklahoma Require Liability Insurance?

If you own a business, you are not required to have general commercial liability insurance. Still, you will find few businesses that do not have liability policies. If you want to protect yourself, it is important to carry liability insurance to prevent the serious impact of a lawsuit. Additionally, some businesses and clients will not work with other businesses that do not carry liability insurance.

Does Oklahoma Require Workers’ Compensation?

Oklahoma does require workers’ compensation insurance. Whether you employ full-time or part-time employees, your business must have workers’ compensation insurance. This insurance covers work injuries and illnesses.

Does Oklahoma Require Commercial Auto Insurance?

If your business owns vehicles that are used for work purposes, commercial auto insurance is a requirement in your state. Auto liability in Oklahoma requires $25,000 per person and $50,000 per accident. Commercial auto insurance requirements also include $25,000 for property damage liability per accident.

Learn More About Commercial Insurance in Oklahoma.

Do you own a business? Do you want to make sure that you are covered if something does happen? Safe Insure Plus LLC, which serves Pryor, OK, can help you choose the right insurance for your business to ensure that you meet the state’s requirements and have protection that is more than adequate.

Narrowing Down the Options with Equine Insurance in Pryor, OK

Car insurance is not the only type of insurance that is required in the state of Oklahoma. One little-known fact is that equine insurance (insurance for horses) is also mandatory in the state. This is likely due to the fact that horses, rodeos, horse shows, and other equine events are so in demand in the state, that it increases the likelihood of loss.

Types of Coverage for Equine

There are many types of coverage for equine insurance in the state of Oklahoma. Below are a few of the most common types. 

  1. Major medical coverage– Covers illnesses and vet bills that may be required for your livestock
  2. Surgical coverage– Covers needed surgery
  3. Mortality insurance– Covers in case of the death of a horse or horses
  4. Limited mortality– Covers the death of a horse under specific circumstances
  5. Personal liability– Covers liability or legal action that could be taken against you due to injury or mortality of a person using or working with your horses
  6. Loss of use– Covers the loss you suffer due to no longer being able to utilize your horses for work or pleasure

Equine Insurance in Oklahoma

If you live in the Pryor, OK area, it is wise to get with an insurance company that has your best interests at heart. The friendly professionals of Safe Insure Plus LLC cover the Pryor area. They are eager to get in touch with equine owners in the state to make sure owners have adequate coverage for their horses and related property.

Learn more about what equine insurance covers and get an assessment of what you should do to insure yourself from loss in your work or play in the equine industry! Visit with Safe Insure Plus LLC today, covering the Pryor, OK area.