Understanding Nebraska Auto Insurance Requirements

Here at Fortress Insurance Agency, although we maintain offices in Overland Park, KS we serve the residents of many states with the insurance they need. That includes Nebraska and so we want to apprise you of the auto insurance requirements of that state. When you move from one state to another, the insurance requirements change.

Nebraska Requires Liability Coverage

Like other US states, Nebraska requires its drivers to purchase liability insurance to help cover the costs of any person injured in an accident you cause. This insurance also covers property damage you cause.

Nebraska sets legal minimum insurance requirements for each driver. Note, that’s not per car, but per driver. If you and your spouse drive the car, your insurance must list you both as drivers. If your teenager obtains a driving license, you must add their name to your policy, too. Your auto liability policy must contain the following insurance minimums:

  • $25,000 in bodily injury coverage per person per accident,
  • $50,000 in bodily injury coverage for all people harmed in an accident,
  • $25,000 in property damage coverage per accident.

You can add optional coverage to improve the financial protection of your auto to your insurance policy. In Nebraska, you can add comprehensive, collision, uninsured motorist, and medical payments coverage. The latter coverage type bears similarity to personal injury protection (PIP) coverage offered in some US states.

Contact Us to Insure Your Auto

Contact Fortress Insurance Agency in Overland Park, KS for more information on auto insurance for your vehicles in Nebraska. We serve Nebraska residents with the auto insurance they need to protect their financial security. Let us help you insure the drivers in your family.

Required Auto Insurance in Kansas

If you own a vehicle, it’s important to always keep an auto insurance policy on it. It’s required by Kansas law that you have at least the minimum amount of required coverage types in your policy. Your insurance agent will know what you need and what else would be helpful to have in your auto policy.  When you need auto insurance, call us today at Fortress Insurance Agency in Overland Park, KS.

Required Coverage for Kansas Vehicles

There are several different types of coverage that are required for Kansas drivers to have. These come in various minimum amounts that are required, though drivers can add more coverage to the minimum amounts. In the state, bodily injury liability coverage is required. This includes one amount for one person who is injured and another amount for everyone injured in the accident.

There is also an amount required for property damage liability coverage. In addition, every driver must have an amount of bodily injury coverage for one person injured when an accident happens with an uninsured motorist. There is another amount required for everyone who is injured in that type of accident. There is also basic personal injury protection coverage that is required. This is an amount for each person who is injured in the accident from your own vehicle. 

Other Coverage

In addition to the required coverage, you may want to get comprehensive or collision insurance coverage. With collision insurance, the damage to your vehicle is covered. With comprehensive coverage, the vehicle is covered against a wide range of risks that it faces when it isn’t being driven. 

Get Auto Insurance in Kansas

When you own a vehicle in the state, you have to have an auto policy for it. To get a policy, call us at Fortress Insurance Agency in Overland Park, KS.

State Requirements for Recreational Insurance

When you purchase an RV or other recreational vehicle that you will drive on Kansas roads, you must also purchase recreational insurance for it according to state law. Fortress Insurance Agency, serving the greater Overland Park, KS community, wants to help you understand the state’s requirements so you obtain the right policy. Driving an RV uninsured or underinsured carries the same penalties as driving an automobile without insurance.

State Requirements for Recreational Insurance

Insuring a Towable RV

An RV that you tow with your car doesn’t need its own policy. To insure a non-motorized towable, you add an endorsement to your auto insurance. This works for travel trailers, pop-up campers, and fifth-wheels.

Insuring an RV You Drive

Like driving a car, you must carry separate insurance on the RV. This recreational insurance uses state minimums, just like the insurance you would buy for your SUV or truck. Because you purchased a self-propelled RV, whether a camper van or motorhome, you need to meet the same minimum coverage requirements in Kansas as for auto insurance. Your recreational policy must include:

  • Bodily injury liability coverage in the amount of $25,000 per person,
  • Bodily injury liability coverage in the amount of $50,000 per accident,
  • Property damage liability coverage in the amount of $25,000 per accident,
  • Personal injury protection (PIP) insurance in the amount of $4,500 per person,
  • Uninsured motorist insurance (UIM) in the amount of $25,000 per person and $50,000 per accident.

That only covers the other individuals on the road, so you still need to add to the state minimum insurance to cover your own RV, especially if you live and travel in it full-time.

Adding collision, comprehensive, and personal liability coverage ensures that you insure your vehicle and cover your own liability completely if you live in your RV. Adding roadside assistance ensures you have help if your RV experiences a breakdown on the road.

Contact Us Today

Contact Fortress Insurance Agency serving Overland Park, KS to learn more about recreational insurance for your RV. Let us help you remain legal on the road.

Safe boating tips

Safe boating is a fun activity enjoyed by many in the Overland Park, KS area, but it’s important to be aware of safety tips and regulations. Fortress Insurance Agency has long been providing boat insurance to our clients and can assist with related queries. 

Here are a few tips from us to keep your boating experience safe and enjoyable:

1. Wear a life jacket at all times

 It’s the law in most states that children must wear life jackets while on the water, but everyone should be wearing one regardless of age or swimming ability. It could save your life!

2. Avoid alcohol

Alcohol impairs judgment and can put yourself and others at risk of an accident. If you do plan on drinking, make sure someone else is designated as navigator who isn’t under the influence so you can make it back safely. 

3. Have an emergency plan

Make sure you know how to contact emergency services in case of an accident or distress signal, and know where your nearest hospital is located in case of medical emergencies. 

4. Be aware of weather conditions

Weather can change quickly, especially near the shoreline where wind speed can significantly increase with little warning. Make sure you check local forecasts before heading out each time, so you’re aware of any approaching storms or high-speed winds. 

5. Familiarize yourself with boat navigation rules

To ensure everyone has a safe experience on the water, make sure you understand navigation rules such as right-of-way when operating around other boats and buoys that mark special water zones for safe navigation near shorelines or fishing areas. 

Get Boat Insurance Today

Remember to stay safe out there! With these tips in mind, you can enjoy your time on the water without having to worry about any potential risks associated with boating activities. For more tips, call us at Fortress Insurance Agency today. We serve the Overland Park, KS area boat owners with vital insurance coverage.

Safe driving tips for new drivers

As a new driver, staying safe behind the wheel is essential. Here are some tips from us at Fortress Insurance Agency to help you stay safe on the road here in the Overland Park, KS area and everywhere.

Safe driving tips for new drivers

1. Always wear your seatbelt.

Wearing a seatbelt can drastically reduce your risk of injury in the event of an accident, so it’s important to always put it on before setting off. 

2. Avoid distractions while driving.

Turn off your phone and avoid eating or drinking while driving so that you can keep your full attention on the road. 

3. Obey all speed limits and traffic signals.

Not only is this important for safety reasons, but it can also save you from getting a ticket! 

4. Don’t drive when you’re feeling drowsy or fatigued.

Even if you feel like you could make it home, it’s not worth taking the risk – pull over in a safe place and take a nap until you’re feeling more alert and able to drive safely again. 

5. Check your mirrors often and practice defensive driving techniques.

By checking your mirrors regularly and being aware of other drivers around you, you can anticipate potential risks and take steps to avoid them safely. 

Get The Right Coverage For Your Needs

Following these tips will help keep you safe on the roads as a new driver! For more tips on how to stay safe while behind the wheel, or if you have any questions about your insurance coverage, please give us at Fortress Insurance Agency a call today. We are proud to serve the Overland Park, KS area and would be happy to answer all of your questions. 

What Exactly Does It Mean If a Car is Totaled?

If you have been involved in an automobile accident, your auto insurance provider may inspect your car to determine if it can or should be repaired or whether to salvage the car, also known as totaling the car. At Fortress Insurance Agency, serving the Overland Park, KS area, we have discovered that there is a lot of misinformation about cars being salvaged or totaled.

Here are some of the questions you may have about a car being totaled and the answer:

What Exactly Does It Mean If a Car is Totaled?

If your car is totaled, it means that the cost to repair your vehicle exceeds the value of your vehicle. As such, your car is far more likely to be totaled if it is older, compared to if it is newer. This is because older cars tend to have a lower value, and car repairs can be pricey. 

What Happens If You Do Not Agree That Your Car is Totaled?

If you do not think your car is totaled, you can obtain a second estimate for repairs from another body shop and submit those estimated costs to your insurance company. They may decide to look over the new estimates and change their decision on totaling your car. However, if the repair costs are at or above the amount your car is valued at, your car will be totaled whether you agree or not. 

Contact Us Today

At Fortress Insurance Agency, serving the greater Overland Park, KS area, we are dedicated to helping local residents obtain the auto insurance policies that best protect them in case of an accident. While we cannot prevent your car from being totaled, we can help to ensure you are fully protected in case your vehicle is totaled. Reach out to us today to learn more about allowing us to help you find an auto insurance policy. 

Best places to go boating

Fortress Insurance Agency is located in Overland Park, KS and we serve clients all over Nebraska, Kansas, Missouri, Iowa, Oklahoma, and Texas. 

If you’re looking for a great place to go boating in Texas, you’ll want to check out one of the state’s many beautiful lakes. Lake Buchanan, Lady Bird Lake, Canyon Lake, Inks Lake, LBJ Lake, and Lake Travis are all great options. Each offers its own unique set of activities and scenery. So no matter what kind of boating experience you’re looking for, you can find it in Texas.

Best places to go boating in Texas

Lake Buchanan is a great place to go boating in Texas. It’s well-known for its clear, calm waters, which make it perfect for swimming, fishing, and kayaking. The lake is also home to a variety of wildlife, including deer, bald eagles, and ospreys. If you’re looking for a beautiful place to spend a day on the water, Lake Buchanan is definitely worth checking out.

Lady Bird Lake is another great place to go boating in Texas. It’s located in the heart of Austin and offers stunning views of the cityscape. The lake is a popular spot for fishing, kayaking, and stand-up paddleboarding. There are also a few restaurants and bars located on the lake’s shores, so you can enjoy a meal or drink while taking in the beautiful scenery. Lady Bird Lake is definitely worth a visit if you’re in the Austin area.

If those scenic locales are not near you, you might want to try one of these instead:

– Canyon Lake

– Inks Lake

– Lake LBJ

– Lake Travis

Get Boat Insurance Today

Be sure to stay safe on the water, and to only go out on a boat that is insured in case anything goes wrong. If you have additional questions about places to visit or your boat’s insurance, call Fortress Insurance Agency. We proudly serve the greater Overland Park, KS area, and in multiple states, including Texas. 

Three Considerations for RV Insurance

You want to make sure your RV is properly insured, and you reach out to us at Fortress Insurance Agency in Overland Park, KS to discuss your options. Our experienced insurance agents are here to guide you through getting the right policy for your vehicle.

Here are some considerations to discuss:

Type of Camper

The type of camper you own will determine what kind of insurance is required. Most RVs are the pull-behind variety. In Overland Park KS you are only legally required to have RV insurance for motorized RVs. If you have a loan on your fifth wheel or pop-up, though, your lender may require it to be fully insured.

Personal Items

Your RV coverage doesn’t cover your personal effects within the camper itself. Those would be covered under your homeowner’s or renters’ policy. If your trailer will contain expensive items like high-end adventure gear or pricey electronics, it’s a good idea to secure additional coverage to protect them.

Primary Use

Most RV insurance is built to cover recreational use only. Many RV policies will not cover full-time RV living. It’s important to discuss your needs to get the right policy for your needs. Policy details you may wish to discuss with Fortress Insurance Agency when you are ready to create or adjust your RV policy include:

  • Personal liability: This refers to if you owe someone else for damages. This is not automobile liability. It may cover dog bites, but some policies have breed restrictions and reduce the limit for claims related to bites.
  • Contents: The things not glued, screwed, or nailed to your RV permanently.
  • Additional living expenses: Money to live on while your RV is being repaired for a covered loss.
  • Roadside service: Towing, tire replacement, and gas/oil delivery can be a huge boon to full-time RVers.

Get The Right Coverage Today

When you are ready to look at your RV insurance options, call us at Fortress Insurance Agency in Overland Park, KS. Our expert staff can answer all your questions and help you feel confident with the choices you make.

Should I Get Collision And Comprehensive Coverage?

As a matter of state law, collision and comprehensive coverage are optional. However, you will be required to purchase these two auto insurance coverages in some business situations. At Fortress Insurance Agency we typically recommend that our clients get these auto coverages. If you are a driver in Overland Park, KS who is still on the fence about whether or not you should get comprehensive coverage, it’s best that you get them.

Here are situations where collision and comprehensive coverage are needed and where having them would be very beneficial.

Getting Collision And Comprehensive Coverage

1. If You Have a Car Loan or Car Lease

Nearly all lenders will require you to get collision and comprehensive coverage if you have a car loan. Most car leasing companies also have the exact requirement. This is so that you don’t ditch your car loan or lease if the vehicle is totalled or stolen. After paying off your car loan, it’s best that you keep the collision and comprehensive coverage.

2. When Your Car Requires Significant Repairs

You likely think that you don’t need collision or comprehensive coverage because you can always afford to do minor repairs to your car. However, if your vehicle is severely damaged during an accident, the cost of repairing it would be significant. If you have these two auto coverages, you can avoid paying for the expensive repairs out of your pocket since your car insurer will pay for it.

3. When Your Car Is Totalled or Stolen

Your car can be severely damaged through vandalism, an accident, or a natural disaster to the extent it can’t be repaired; thus, it will be totaled. Additionally, when your car is stolen, you might never be able to recover it. If you don’t have collision and comprehensive coverage, you will have to purchase a new car with your money. However, if you have these two policies, the insurer will compensate you, and you can buy a new vehicle.

Get Auto Insurance Today

Contact Fortress Insurance Agency for auto insurance deals in Overland Park, KS, and surrounding areas.

When Do I Need Commercial Insurance?

Business owners have a lot of things to worry about – making sure their business is profitable, growing their customer base, and so on. But one thing that often gets overlooked is insurance.

Many small business owners assume that because they are not a big company, they don’t need commercial insurance. This is a huge mistake. Every business should have some form of commercial insurance, no matter how small it is.

Fortress Insurance Agency in Overland Park, KS can help you get commercial insurance for your business protection.

Here are some instances when you need commercial insurance:

When Launching a Business

One of the first things you should do when launching a business is to get commercial insurance. This will protect your business from any liability claims that may come up. If someone sues your company, commercial insurance will cover the legal fees and any settlements that you may have to pay.

Additionally, commercial insurance will also protect your business property. If your office is damaged in a fire or flood, your commercial insurance policy will cover the cost of repairs.

If You Hire New Employees

As your business grows, you’ll need to hire new employees. When you do, you’ll need to get workers’ compensation insurance. This type of insurance will cover your employees if they are injured on the job.

Additionally, workers’ compensation insurance is required in most states, so it’s something that you can’t afford to skip out on. You should also consider getting general liability insurance, which will protect your business if one of your employees is sued for something like discrimination or sexual harassment.

When You Purchase New Equipment

If you purchase new equipment for your business, you’ll need to ensure that it’s covered by insurance. Otherwise, if the equipment is damaged or stolen, you’ll have to pay out of pocket for the repairs or replacement.

Most commercial insurance policies will cover business equipment, so be sure to talk to your agent about this. You may need to purchase a separate policy if you have a lot of expensive equipment, such as computers or machinery.

Get Commercial Insurance Today

These are just a few of the times when you need commercial insurance. If you’re unsure whether your business needs this type of coverage, contact Fortress Insurance Agency in Overland Park, KS. We’ll be happy to help you assess your risks and choose the right policy for your business.

Don’t wait – get commercial insurance today to ensure that your business is protected.