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Bailey Insurance Ltd Blog

When and Where Do Car Accidents Happen Most Often

While there is no limit or exception when it comes to what time of day car accidents occur, there are some times of the day that are at higher risk. As a driver in Phoenix, AZ, it’s up to you to know when these times are and use extra caution when on the road. At Bailey Insurance LTD, our team is here to help ensure that Phoenix, AZ drivers have the information they need to remain safe while on the road. 

During Morning and Evening Commutes

Some of the most common times of the day that accidents occur are during the morning and evening commutes. This is when traffic is usually at its busiest because people are going to work and school and then returning home  – all at basically the same time. This results in more people on the road, more people eager to get off the road, and a higher likelihood of accidents. As a result, it’s imperative to remain aware of your surroundings and ensure you aren’t the cause of or part of an accident.

During the Night

Another common time that accidents occur is when it is dark outside. When the sun goes down, your visibility is reduced significantly. As a result, the likelihood of an accident is much higher. It’s a good idea to use headlights and proceed with caution when driving at night. The situation can be made even worse if it is raining or there are other poor weather conditions. Understanding when it is dangerous to be on the road can help you avoid becoming an accident victim.

To learn more about how to avoid an accident and get covered with a comprehensive auto insurance policy, contact the reputable team at Bailey Insurance LTD today. 

 

Why should I get motorcycle insurance?

Living in the Phoenix, AZ area is a great option for anyone that loves to get a lot of sun. For those that are in the area, it can also be a great environment to own a motorcycle. If you have a motorcycle in the area, you need to make sure that it is properly covered by a quality insurance policy. There are a variety of reasons why you should get a motorcycle insurance policy. 

Ensures Legal Compliance

When you operate a motorcycle in the state of Arizona, you will be required to carry bodily injury and property damage liability insurance. If you are caught driving a motorcycle without this insurance, you could be in a lot of trouble. This can include potentially losing your right to own and ride a motorcycle while also facing stiff penalties. Additionally, you will be liable if you caused any damage in an accident.

Protects Your Asset

Another important reason to get insurance on your motorcycle is that it will help to protect your investment and asset. When you get a full motorcycle insurance policy, you will receive coverage for a wide variety of situations. The collision and comprehensive motorcycle insurance option will cover you if your motorcycle is damaged in an accident, stolen, vandalized, or even if you hit an animal and incur damage to your asset. 

Once you are ready to start looking for insurance for your motorcycle, you should reach out to Bailey Insurance LTD. This insurance company is a great option and resource for anyone in the Phoenix, AZ area. When you speak with the team at Bailey Insurance LTD, you will quickly find that they know all about motorcycle insurance and can help you get a policy that is right for your situation. 

3 Uncommon Facts About Home Insurance

With so many kinds of home insurance policies, you could make the argument that practically every fact about home insurance is uncommon. The number of misconceptions and assumptions out there are enough to confuse anyone. But the more you know, the less likely you are to face an unpleasant surprise. Bailey Insurance LTD is here to give you a few extra notes for the homeowners of Phoenix, AZ. 

Home Insurance Is a Two-Way Street 

Your home insurance can’t cover your things unless they know what your things are. When you keep detailed records, you have the proof you need if something happens to your possessions. So the new iPhone you purchased last month should be recorded, so you have something to show your carrier in the event it’s lost, damaged, or stolen. 

You May Need to Contact Your Carrier During Major Events 

The limits for your home are set when you purchase it, but the value of your home is not a static number. If you decide to remodel your bathroom and those repairs push you over your limits, they might be exempt from coverage if you don’t update your carrier first. Much like keeping an inventory of what you own, this is a way of keeping an insurance company in the loop. The more they see your efforts to keep accurate information, the easier they can process a claim. 

Your Partner Matters 

If you live in Phoenix, AZ, it’s exceptionally important to choose the right partner for home insurance. Bailey Insurance LTD is here to help when you have questions or if you need to file a claim. If you’re looking for new coverage or you’re thinking of changing your carrier, contact us today to find out more about our policies.