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Is classic car insurance a necessity?

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Are you a Beaverton, OR resident possessing a classic, custom, collectible or antique car? If so, it’s important to get specialized insurance that reflects your vehicle’s uniqueness and its worth, because ordinary auto insurance isn’t adequate in safeguarding such a car against impending calamities. Classic cars warrant exemplary care because they are worthy of investment and thereby must be accorded magnificent protection. Purchasing classic car insurance in Beaverton, OR is a prudent move because it’s different from ordinary auto insurance as it’s purely based on the actual collectible value of your car. Repairing and replacing your antique, collector, or classic car can be very expensive; therefore, you need a sufficient amount of classic car insurance to cater for repairs when you need them. Please call or visit us at W.B. Adams Company and get more detailed information about classic car insurance. Keep reading to understand the versatile benefits of classic car insurance.

Protect your classic car

One of the prime reasons for purchasing classic car insurance is that it can assist in preserving the overall value of your precious car. When you buy classic car insurance from W.B. Adams Company, you enter into an agreed-upon replacement value of the vehicle, different from other standard car insurance policies. Investing in classic car insurance allows you to safeguard the unique significance attached to your classic car.

Liability coverage

Similar to ordinary cars, auto accidents can occur while driving a classic vehicle, attracting expensive aftermath expenses. Liability coverage pays for costs emanating from bodily injuries and damage to property when you cause an accident with your classic car with third parties salvaging you from paying out-of-pocket.

Provides special towing and spare parts coverage(Roadside assistance)

Have you ever imagined what could happen when your classic car breaks down or requires expensive spare parts? Both coverages for towing and spare parts are proportional to the unique demands of your classic car. Towing coverage is responsible for transporting a classic car in emergencies when experiencing a breakdown. In contrast, spare parts coverage replaces valuable or perhaps hard to scout vehicle components like engine parts, wheels and transmissions.

Are you a classic car enthusiast residing in Beaverton, OR? Classic insurance is associated with some complexity; therefore, it requires a team conversant with how this type of insurance works. Don’t hesitate to contact our agents at W.B. Adams Company to get specialized classic car insurance that meets your needs.

What does my renters insurance cover?

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If you rent an apartment, dorm, or home, you need to seriously consider renters insurance to protect your space and belongings. Generally, your landlord carries insurance for the building you’re living in but not your personal space and belongings. Some landlords in Beaverton, OR may require you to have renters insurance to rent their property.

At W.B. Adams Company, we recommend having renters insurance to protect your property from certain natural disasters, water backup damage, bodily injuries, and theft. Here is what renters insurance covers.

Contents of your home

Your personal property is what belongs to you in that building. Your renters’ insurance focuses on covering your furniture, electronics, clothes, appliances, and other personal belongings from perils, fires, and theft. The policy helps repair or replace items based on the level of damage.

Personal liability

You are held liable for any injuries or actions that lead to damage to other people’s properties. For instance, if someone gets injured while at your home and decides to sue you, renters insurance may help cover the cost of your legal defense.

Medical payments to others

Medical payment generally covers other people who get injured in your Beaverton OR home. The policy helps pay their medical bills. Note that you and your family members are not covered. If you get hurt, you may need to pay your own medical bills.

Credit card 

Suppose someone uses your credit card to withdraw or pay for things you did not authorize. In that case, renters insurance may help pay you back the money up to the agreed limit.  This coverage also applies to forged checks and counterfeit money.

Loss of use

Provides compensation when your living space is rendered unlivable. The policy pays for your temporary living expenses and other additional living expenses related to the new living arrangement. 

Filing a claim is often a long process, but if you understand your coverages, you are in a better position to file a claim successfully and accelerate the process. To learn more about renters insurance coverage, contact W.B. Adams Company today.

Do Motorcyclists Need Uninsured Motorist Coverage?

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Motorcyclists know that driving without insurance is dangerous, but what many do not know is that there are a variety of add-ons to an insurance policy that can provide more assurance of security. For instance, you may wonder if uninsured motorist coverage is a good addition to your current motorcycle insurance policy.

W.B. Adams Company, which serves Beaverton, OR, can help you determine if you should consider uninsured motorist coverage. In the meantime, here’s what you need to know about it.

Oregon Insurance Requirements

Before you consider uninsured motorist coverage, you need to know the requirements in your state. Oregon does not require uninsured motorist coverage, but motorcyclists are required to have insurance to cover liability. Liability coverage comes into play if you are determined to be the responsible party in an accident. Your liability coverage may provide for property damage and medical bills for others involved.

Uninsured Motorist Coverage Is a Smart Investment

So, what happens if the other driver does not have insurance and they are responsible for the accident? That’s when uninsured motorist coverage kicks in. This coverage helps cover your insurance costs when you are left with nobody to hold responsible.

If you do not have coverage for uninsured motorists, you could be left to cover the expenses on your own. This can become expensive, and it’s a risk many drivers do not want to take. Motorcyclists are at higher risk for injuries than other drivers, which gives you all the more reason to consider adding this coverage to your policy.

Find the Right Motorcycle Coverage for You

W.B. Adams Company can help you find the right coverage for your motorcycle. If you live in Beaverton, OR, check out our website to learn more about your policy options.

Oregon Health Insurance: How to Choose Good Short-Term Plans If You Need It

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When you are looking for health insurance in Beaverton OR, it can be easy to feel overwhelmed and take the first thing that sounds right. It doesn’t have to be that way though. The Department of Health and Human Services now provides for short-term health insurance plans to last longer than their original 30 days. You can now get short-term health insurance that lasts for up to 364 days.

At W. B. Adams Company, we want Beaverton, OR residents to be covered for every potential health hazard, including financial risk. We can help you choose the best short-term plan for your needs, and know what you should look for.

Good Reputations

You want your health insurance provider to have a good reputation. Work with one that is connected to a network of health care professionals with a good history. 

You are more likely to find health care discounts here as well. In this case, size matters. The larger the provider, the better your service.

Flexible Coverage

When you are working with short-term health care, you want coverage with deductibles and choices in your coverage lengths and limits. A good deductible will mean that you pay less out of pocket every month.

You are also looking at short-term coverage. You want a plan that will allow you to get out when you have found the more permanent coverage you are looking for. Choose a plan that won’t leave you with a hefty penalty if you have to opt out of it.

Keep your Doctor

When you are changing health care providers, losing your doctor is a significant concern for anybody. Change to a short-term provider that will let you keep your doctor.

Get a Quote

When you are looking for short-term health insurance in Beaverton, OR, W.B. Adams Company can help you to get the coverage that you need. Call us today for a quote.

When Is The Best Time to Shop For New Auto Insurance?

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In most states auto insurance is required by law in order to operate your vehicle. This makes choosing your auto insurance especially important. Here at W.B. Adams Company, serving Beaverton, OR, we want to make sure you are always getting the best auto insurance rates. Understanding when to shop for new auto insurance is important to always get the best deal. Let’s look at the best times to shop for new auto coverage. 

Buying a New Car

Many people shop around for better rates when they are buying a new car. Purchasing a new vehicle is a great time to do this because you will need insurance in place in order to complete your purchase if you are buying from a car dealership in most cases. 

Getting Married

When you get married it is a great idea to consider combining insurance policies. Shop around in order to find the best deals. Most auto insurance companies will also offer discounts for married couples. This can help to save money on your new combined budget. 

Teens Driving

If you have teenage children, you will need to add them to your insurance policy when they come of age for driving. This is a crucial time and you will want to make sure that you have the best rates for your auto policy. Ask about good student discounts or discounts for students who opt for taking defensive driving courses. 

Getting Older

As you get older you will discover that there are better auto insurance rates available to you. Check around with different providers to see who has the best deal for your age group. 

If you would like to learn more about our insurance products or services, please contact us at W.B. Adams Company, serving Beaverton, OR. 

How Business Owners Can Adjust Their Commercial Insurance Policies To Cover Remote Employees

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W.B. Adams Company provides coverage to the Beaverton, OR community. For over 25 years, we have helped local residents protect their assets. We assess each of our client’s individual situations to help them find the right policy. We proudly serve the Pacific Northwest as an independent insurance agency. We look forward to helping you find the coverage you need.

How Business Owners Can Use Commercial Insurance To Cover Remote Employees

Commercial insurance protects your Beaverton OR business so that you can continue to focus on achieving long-term success. Commercial insurance protects your equipment and inventory against possible damage and theft. You are also covered if one of your customers gets injured on your property or if someone alleges that your products made them sick.

Commercial insurance helps you navigate the risks associated with operating your business. In this current age of technology, many companies are allowing their employees to work remotely. If this strategy is a current part of your operations, there are still some liability risks worth considering.

Make sure that your employees are working in a safe environment. Have your employees take pictures of their home office, equipment, and furnishings so that you’ll have documentation. Look for potential hazards such as a lack of smoke detectors in the area. If you are assigning your employees equipment such as tablets and desktops, those items should be fully protected. Remember that computer hackers are constantly creating new ways to cause trouble. There should be a secure connection between your employee’s home office and the business network. Develop a strong telecommuting policy, including weekly video chats.

W.B. Adams Company Will Help You Protect Your Investment

Visit our website to learn more information on commercial insurance.

What Are the Benefits of Home Insurance?

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Nothing beats the coziness of your own home. And if you are like most people, it’s probably your most valuable investment. But have you done enough to protect it? There is more to just locking the doors. Home insurance is ideal for securing your home.

Are you a homeowner and haven’t thought much about home insurance? Well, keep reading the article. You will be excited to call us at W.B. Adams Company in Beaverton, OR, for your home insurance. Here are the top benefits a home insurance policy can offer.

Protects your main dwelling

The primary purpose of home insurance is to protect where you live, which is your principal dwelling. Imagine losing your entire home to fire, for example. How much, and how long would it cost you to rebuild another one? That’s why home insurance is essential as it covers minor, significant damages and even rebuilding in case of a total loss. 

Liability coverage

If someone got injured on your premises, it could cost you thousands of dollars in medical bills and perhaps lawsuits if you got sued. However, home insurance pays for the medical bills and the expensive lawsuits up to your coverage limit. 

Protects your home’s contents

Besides covering your principal dwelling, the insurance covers your assets, like electronics, furniture, and clothing, from perils like fire, theft, and many more. 

Loss of use compensation

If you are forced out of your home while it’s undergoing repairs due to a covered event, the policy can put you in a hotel or temporary living place and cover your expenses. 

Protects your detached structures

Imagine a policy securing your garage, fences, pets’ house, sheds, or whatever structure you have on your premises. Intriguing, right? Well, that’s what home insurance can do, but at an additional premium. 

Home insurance in Beaverton, OR

If you haven’t thought about home insurance, the above benefits are enough to make you consider purchasing one. Are you in Beaverton, OR looking for home insurance? Look no further than W.B. Adams Company. Call us today for an affordable quote.

Why Do I Need Classic Car Insurance In Beaverton, OR?

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It takes more than age to make your car a classic. A collector’s car isn’t just a vehicle to move around but also an investment that will continue appreciating. As a result, you need to protect your prized possession with insurance. Not sure where to start? Since classic cars aren’t used the same, W.B. Adams Company, serving Beaverton, OR, and the nearby areas, will help you select the right auto insurance for your classic car. 

Do I need classic car insurance in Oregon?

Even though you are not driving your classic, it’s wise to purchase insurance for your collector’s car. While it’s off the hook with auto-related accidents, other perils like fire, theft, and vandalism aren’t far off from ruining your classic. And why would you not insure your classic? Its insurance is cheaper than typical auto insurance. Since you don’t drive your classic daily, its premium is likely to be cheaper.  

What does classic car insurance cover?

Just like your standard auto insurance, classic car insurance carries typical coverages like property damage coverage, comprehensive coverage, and bodily injury liability. But unlike your typical car that is insured against the actual cash value (factoring in the depreciation factor), classic car insurance covers the agreed value. Simply put, this is the amount agreed between the owner and the insurance.

Other classic car-specific coverages to consider include:

  • Roadside assistance: This coverage saves the day when your vehicle needs towing, jump-starting, gas delivery, or puncture repair.
  • Increased replacement cost: You see, unlike your modern car, classic cars rise in value. As such, this coverage protects your vehicle when your vehicle appreciates exceeding the agreed value.
  • No attendance required: Covers your vehicle when you aren’t in attendance, and it’s being displayed in a show or exhibition.

For many petrolheads, the idea of owning a classic is a dream come true. But amid the excitement, don’t shove aside the notion of classic car insurance. Are you looking for classic car insurance in Beaverton, OR? Don’t look beyond W.B. Adams Company. Since collector’s cars aren’t the same, we will help you pick the right combination of coverages unique to your needs. Contact us today. 

 

3 Questions to Ask Your Agent About Life Insurance

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Having life insurance can be a good way to increase your peace of mind. It can also help your family feel more secure and worry less about how they would handle things if something happened to you. If you’re in the Redmond or Beaverton, OR area, W.B. Adams Company can help you with your life policy decisions. Our trained agents are focused on making sure you get the policy you need to protect your family. Here are three of the questions we’re most commonly asked about with this kind of insurance.

1. What level of coverage is really needed? 

The level of coverage needed will depend on the person and their specific situation. People with big families, for example, may have different coverage needs than those with much smaller families.

2. How often should the policy be updated?

An insurance policy should generally be reviewed every year and updated accordingly. If there are any big life changes, though, it’s a good idea to make sure the policy is updated to reflect those as soon as possible.

3. Who can help determine which policy is the right one?

Trusted agents can provide you with all the information you need and offer suggestions about which policy may be the best choice for your circumstances. But the choice of policy is ultimately up to you.

If you’re in the Redmond or Beaverton, OR area and need a life insurance policy, reach out to us at W.B. Adams Company today. We can work with you to choose a policy that will give you strong coverage and plenty of peace of mind. Your family will feel better knowing that they’re protected, and you’ll also worry less because you’ll have the coverage you need to put your concerns aside and get back to enjoying life.

Tips for Buying Motorcycle Insurance Coverage

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The best time to purchase motorcycle insurance is right after you get your bike. Motorcycle coverage offers you protection against accidents, theft, breakdowns, and more. These tips from W.B. Adams Company can help you determine the scope and amount of motorcycle insurance to buy.

Consider Motorcycle Insurance Requirements in Oregon

Oregon requires that motorcycle owners carry liability insurance to cover damages of others in accidents they cause. This protects you from having to pay these damages out of your own pocket. A serious accident could deplete your savings if you had to pay for injuries or property damage independently.  Before you hit the road, make sure you have this coverage.

Consider the Value of Your Bike

Protecting your bike is just as important as protecting others. Motorcycle collision and comprehensive insurance cover your motorcycle repairs after an accident. Collision insurance covers collision damage. Comprehensive insurance covers weather damage, damage from vandalism, animal strikes, and other non-collision events. It also covers the market value of your bike if it’s stolen.

If an uninsured driver hits your bike, uninsured motorist insurance covers repair costs, so you’re not stuck with high repair bills on your own.  

Consider Your Riding Experience

If you’re a new rider, you may want as much coverage as you can get to protect yourself against the unexpected. As a new rider, you’re more prone to cause or be involved in an accident due to your lack of riding experience.

Your insurance coverage should also coincide with your lifestyle. If you only use your bike to ride to work or school in Beaverton, OR, you may not need as much coverage as someone who goes on extensive road trips.

For quality motorcycle coverage at affordable costs, call or visit W.B. Adams Company today. We service residents in Beaverton, OR, and surrounding communities. 

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