How Does Auto Insurance Handle Single-Vehicle Accidents?

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Single-vehicle accidents account for nearly half of traffic deaths nationwide, so it’s crucial to understand how insurance handles them in Ohio. For more information about auto insurance and single-vehicle accidents, contact the Bonvenuto Financial Group LLC team, serving Uniontown, OH. We will gladly answer your insurance questions and help obtain your best coverage.

Understanding Fault in Single-Vehicle Accidents

Ohio is an at-fault state with procedures for determining legal and financial responsibility for injuries and damages resulting from accidents. Ohio determines fault for both multi-vehicle and single-vehicle accidents since the driver in a single-vehicle accident is not automatically at fault.

Single-vehicle accidents can result in more than one individual or party being at fault; the driver may be found not to be at fault or only partially at fault. Other contributors or causes of single-vehicle accidents include:

  • Ice, snow, fog, or other weather issues
  • Potholes or road quality issues
  • Obscured street signage
  • Striking animals or objects on the road
  • Another vehicle negligently entering your path
  • Vehicle mechanical issues

After determining fault, Ohio, like most states, applies the comparative negligence standard, meaning each at-fault party is assigned a percentage of responsibility for the accident and damages. Damage payments are based on those percentages, though a driver determined to have 50% or more responsibility cannot collect damages.

If you have a single-vehicle accident, try to obtain a police report. Also, take a few moments to safely take pictures or video documenting factors you believe contributed to the accident. These may be helpful when determining fault.

Working with the Bonvenuto Financial Group LLC

If you live in or near Uniontown, OH, the Bonvenuto Financial Group LLC team can help you obtain the insurance you need. Stop by our office today or call (330) 699-9925 to schedule an appointment.

What is Classic Car Insurance and How Can I Use it To Protect My Vintage Vehicle?

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Owning a classic car is a dream come true for many muscle car and vintage vehicle enthusiasts in Ohio. Once you’ve acquired your classic car, one of the first steps to take is to secure adequate insurance to protect your car from collisions, theft, vandalism, natural disasters, and other covered perils.

Let the insurance experts at Bonvenuto Financial Group LLC in Uniontown, OH, explain the details of classic car insurance and help you protect your vintage vehicle.

Understanding Classic Car Insurance

Many new classic and vintage car owners in Uniontown, OH, mistakenly assume that a traditional auto insurance policy will protect their classic car from a variety of collision—and non-collision-related perils. However, the level of protection that most classic car owners seek is not found in traditional auto insurance.

Classic car insurance has special provisions that a traditional auto policy won’t cover. For example, vintage car owners with adequate coverage can get Agreed Value Coverage based on the actual value of their classic vehicle instead of writing a policy based solely on their vehicle’s age.

Not all vintage vehicles will automatically qualify for coverage under the classic provision. Speak to a trusted local insurance agent to learn more about how to have your vehicle designated as a classic car and find out if provisions like garage storage and annual mileage limits apply.

Please don’t wait until it’s too late to protect your vehicle from theft, vandalism, animal collisions, natural disasters, and other unexpected perils that can lead to a total loss or thousands in out-of-pocket expenses without adequate classic car insurance coverage.

Contact the experts at Bonvenuto Financial Group LLC in Uniontown, OH, and get a classic car insurance quote today!

Do All RVs Need the Same Insurance?

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The RV category includes motorized vehicles or motorhomes that operate under their own power and towable trailers pulled by another vehicle. The motorized-towable distinction is the primary differentiator for insurance needs, but other issues also arise. Our Bonvenuto Financial Group LLC team serves the Uniontown, OH, area and will help you obtain the RV coverage that suits your needs.

RV Types and Insurance

RV insurance covers Class A, B, C, and towable RVs, which can vary widely from relatively modest to luxurious.

Class A RVs are generally high-end vehicles built on a truck or bus chassis. Many expand with slide-outs, have a kitchen, bathroom, full-screen TV, and other amenities, and sleep up to eight people.

Class B RVs sit on van frames and sleep one or two. They may include a small galley, a refrigerator, and a mini bathroom. Their seating converts into sleeping areas. Class C RVs sit on cutaway truck chassis and often have sleeping space over the cab. Towable RVs, also called fifth-wheel campers or trailers, are pulled by another vehicle.

By law, towable RVs do not require insurance. The towing vehicle is responsible, but most owners upgrade the towing vehicle insurance to handle the increased liability.

Ohio law requires that Class A, B, and C RVs carry the minimum insurance required of any motorized vehicle. Most owners add collision, comprehensive, and other insurance elements similar to home insurance that cover personal possessions and liabilities when the RV is parked.

Working With Bonvenuto Financial Group LLC

Our Bonvenuto Financial Group LLC team serves RV owners in the Uniontown, OH, area. Let us help create a plan for your RV and other insurance needs. Call us today at (330) 699-9925 or stop by the office for the coverage you need.

How to Prepare for a Motorcycle Accident: Essential Steps to Take

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Riding a motorcycle is thrilling, but being prepared for potential accidents is crucial. At Bonvenuto Financial Group LLC, proudly providing motorcycle insurance to residents in and around Uniontown, OH, we’re committed to ensuring your safety. Here’s a guide to help you stay prepared on the road.

Recognizing Potential Hazards

Motorcycle accidents can occur unexpectedly. It’s important to recognize common hazards, such as slippery roads or distracted drivers, so you can react appropriately and minimize risks.

Investing in Protective Gear

Quality gear is your first line of defense. Always wear a DOT-approved helmet, durable jacket, gloves, and sturdy boots. These items can drastically reduce the severity of injury in an accident.

Maintaining Your Motorcycle

Regular maintenance keeps your bike in optimal condition. Frequently check your brakes, tires, and lights. A well-maintained motorcycle enhances safety and performance, reducing the likelihood of accidents.

Understanding Your Insurance

Being familiar with your insurance policy is essential. Make sure you have comprehensive coverage that includes medical expenses and liability. Knowing your coverage details helps you navigate the aftermath of an accident more smoothly.

Creating an Emergency Plan

Having a plan in place can make a big difference if an accident occurs. Carry a first-aid kit and keep emergency contact information accessible. Practice remaining calm and assessing situations quickly.

Staying Informed

Continuously educate yourself about safe riding practices and local traffic laws. Staying informed helps you make better decisions on the road.

Looking For Motorcycle Insurance in Uniontown, OH? Give Us a Call!

Preparation is key to handling unexpected situations effectively. For personalized insurance advice and comprehensive coverage, contact Bonvenuto Financial Group LLC, serving the greater Uniontown, OH, region. We’re here to support your journey every step of the way.

Insurance to Keep Your and Your Seaworthy Vessel from Sinking

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Boat owners in Ohio eagerly anticipate warmer months to revel in the joy of boating across the open waters. While boating insurance is not a legal necessity in Ohio, as in many states, the idea can be unnerving, especially for boat owners navigating the busy waters of popular spots like Lake Erie. That’s one of the reasons why boat owners in the Uniontown, OH, area choose the friendly and professional team at Bonvenuto Financial Group LLC for their boat and watercraft insurance needs.

Secure Protection For You and Your Vessel

Boat owners face risks like choppy waters, shallow floors, rocky bottoms, and other boaters—especially uninsured ones. The good news is that having the right boat or watercraft insurance can protect you, your crew, and your boat every time you set sail. That’s why working with experienced agents who can guide you through various coverage options is crucial to keep you afloat.

Your Boat and Watercraft Insurance Partner in Uniontown, OH

If you own a boat in or around Uniontown and have questions or need information about boat and watercraft insurance, we are here to help. Stay protected on and off the water with comprehensive boat and watercraft insurance solutions. Don’t let accidents, unexpected damage, or turbulent waters sink your vessel. Contact us to learn more and schedule an appointment at Bonvenuto Financial Group LLC today. Get the protection you and your boat need.

What are the Advantages of Umbrella Insurance for Seniors?

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Umbrella Insurance: Essential Coverage for Seniors

Umbrella insurance proves invaluable for a broad spectrum of individuals; however, its protection is especially significant for seniors. It serves to safeguard the assets they’ve accumulated over a lifetime. Like other homeowners and drivers, seniors also face the risk of accidents that may culminate in liabilities surpassing the limits of their home and auto insurance policies. However, seniors tend to be more vulnerable than others in such situations. Regardless of your age, if you reside in or near Uniontown, OH, we invite you to discuss the benefits of umbrella insurance with the team at Bonvenuto Financial Group LLC.

The Importance of Umbrella Insurance for Seniors

Generally, when people are liable for auto accidents or incidents occurring on their property, their auto or home insurance policies adequately cover the resulting liabilities. However, in a few instances, accidents can lead to life-long disabilities or severe damage, resulting in liabilities significantly higher than the limits of standard policies. In such cases, the excess expenses need to be paid out of pocket, endangering savings, homes, or other assets. This issue is particularly problematic for seniors who are usually past their peak earning years.

Umbrella insurance offers a valuable solution by extending coverage beyond standard policies to cater to these additional liabilities. Given that umbrella insurance is not often utilized, it tends to be relatively economical while providing peace of mind from knowing your assets are duly protected.

Navigating Your Insurance Needs with Bonvenuto Financial Group LLC

In at-fault accidents, seniors are often most at risk, making appropriate protection a necessity. Serving the Uniontown, OH community, Bonvenuto Financial Group LLC is committed to helping you secure the best coverage. Give us aCall us (330) 699-9925 to discuss your umbrella insurance needs or any other insurance queries you may have.

NFIP vs. Private Flood Insurance

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Ensuring your home against flood damage is essential, but you may find yourself pondering which type of flood insurance to choose. What’s the difference between NFIP and a private flood policy? Contact us at Bonvenuto Financial Group LLC, in Uniontown, OH, for guidance on flood insurance.

Two Types of Flood Insurance

Until 2012, the NFIP, or the National Flood Insurance Program, was the only option available for flood insurance. The government established the NFIP to provide affordable flood policies to homeowners.

However, in 1983, the WYO, or Write Your Own, policies emerged. This allowed private companies to offer flood policies that the NFIP underwrites.

Differences Between Policies

Private flood insurance policies offer more flexibility and options than NFIP plans.

For instance, an NFIP plan provides up to $250,000 in dwelling coverage. Private policies can include $500,000 or more in dwelling coverage. Dwelling coverage pays to repair or rebuild your home if it is damaged.

An NFIP policy limits content coverage to $100,000. However, private policies can offer more coverage, with some offering up to $250,000 worth of coverage for contents, depending on the insurer.

This type of coverage takes care of your belongings, including furniture, jewelry, and other possessions.

Lastly, loss of use coverage isn’t included in NFIP policies, but some private policies include it. Loss of use coverage comes in handy if you are temporarily unable to live in your home due to flood damage.

Bonvenuto Financial Group LLC

If you have inquiries about flood insurance in Uniontown, OH, feel free to contact us at Bonvenuto Financial Group LLC. Our agents are ready to discuss your requirements and assist you in choosing the most suitable policy.

What Condo Insurance Can Do For You

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There are many reasons why you might have decided a condo was right for you. It could be the amenities, the camaraderie, or the great location. One thing tenants like about condos is that they’re low maintenance—no yard work, no repainting. The HOA can be both a blessing and a curse, but for the most part, it will be responsible for protecting the value of your property. However, there are some things the HOA cannot cover. For that, you need condo insurance. 

Condo Insurance vs HOA

The HOA policy generally covers common areas and structures such as the pool, garage, or gym. If you want something that covers you personally, you need condo insurance. That means your personal property, personal liability, medical payments, and more. If, for some unforeseen reason, you are unable to live in your condo, condo insurance can pay living expenses until your condo is livable again. 

Other Things Covered by Condo Insurance

Of course, you will have to check your individual policy for the specifics, but generally, condo insurance covers fire, theft, and vandalism. Storm damage and damage from water, lightning, and falling objects may also be covered by your policy. You may need extra insurance for earthquakes and floods. Sewer backup is not standard but can be added as an endorsement. 

Bonvenuto Financial Group LLC is Now Serving Uniontown, OH

If you have a condo that you’d like to get insured and you’re in the Uniontown, OH area, please contact Bonvenuto Financial Group LLC. Our committed, compassionate, and competent agents will do all they can to help you find the policy that best suits your individual needs. 

How to Know Which Life Insurance Policy Is Right For You

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Choosing a life insurance policy is a significant task. The funds from the policy can provide for your family in case of your death, making it crucial to choose a policy suitable for your unique situation. Knowing which life insurance policy is correct for you may be challenging, but here are a few tips to help you get started. 

Understand Different Types of Policies

Life insurance policies generally fall into two categories: term life insurance and cash-value life insurance. The former is taken out for a specific time frame, such as twenty years, after which it can be renewed. Cash-value life insurance includes features like investments, enabling access to some of that money during your lifetime. 

Each of these policy types has subcategories, and it’s essential to comprehend their advantages and disadvantages. A life insurance professional can guide you through the specifics to help you make the right decision. 

Consider Your Budget

Before selecting a policy, consider your current and future budget. Ask questions like how much your beneficiaries will need to live and how much you can afford to pay for premiums at present. 

Consider Extra Features

Life insurance coverage can vary significantly. Consider comprehensive policies that include extra features. These may range from the ability to access funds before your death (like paying for your children’s college expenses) to coverage for accidental death or permanent disability. 

Getting Started With Bonvenuto Financial Group LLC

If you’re searching for life insurance professionals near Uniontown, OH, Bonvenuto Financial Group LLC is here to assist you. We’ve been serving the Uniontown, OH, area with premier insurance expertise since 2011. Contact us today to schedule your consultation.

How to Choose the Right Commercial Insurance Coverage for Your Business

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You know you need commercial insurance for your business, but selecting the right coverage can quickly become confusing. At Bonvenuto Financial Group LLC in Uniontown, OH, we offer commercial insurance for businesses. 

Business Owner’s Policy

Most businesses will need a business owner’s policy. This can be customized to meet your needs, but it’s typically commercial property and general liability insurance. 

Commercial property insurance covers your business property. This could be a store, factory, or your office. The structure of your building and its contents, including business equipment, is covered. 

General liability insurance will protect you from most types of liability. If someone is injured on your property, this is covered under general liability. It also covers damage to customer’s property when they are at your business. 

Other Types of Liability Coverage 

You may need other types of liability coverage as well. Professional liability insurance will cover errors and omissions that you may make. For example, printing mistakes and accounting errors would be covered under this policy. 

If you make products, you may need product liability insurance. If a faulty product causes damage to a customer’s property or injures them, you’ll be covered under this policy. 

Commercial Auto Insurance

If you use a vehicle for your business, you’ll need commercial auto insurance. This includes transporting goods or equipment or passengers for a fee. 

If you use your vehicle for more than simply driving to work, you should consider a commercial auto policy. Your standard auto coverage won’t cover an accident that occurs during business operations, and a commercial auto policy also includes employees who may drive the vehicle. 

Commercial Insurance with Bonvenuto Financial Group LLC

If you live in Uniontown, OH, and need commercial insurance, contact Bonvenuto Financial Group LLC. We offer different types of commercial insurance to meet your and your business’s needs. 

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