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Verne Hart Insurance Blog

View the latest blog posts from Verne Hart Insurance.

What Does ATV Insurance Cover? ATV insurance can protect your finances in the event of loss, damage, an accident, injury or theft of your vehicle.  Here are some details: Liability coverage will cover the costs of bodily injury and property damage up to a determined amount if you cause an accident. READ MORE >>

 In car accidents both severe and less so, the vehicle(s) involved may be deemed damaged beyond repair. This is when your insurance agent calls with the unfortunate news that your vehicle has been declared a total loss. But, what happens between the accident and that phone call to determine whether a vehicle’s next stop is the repair shop or the junk yard? READ MORE >>

Even though it was a fairly mild winter here in Marion, it’s safe to say we’re all rejoicing that spring has finally arrived. The warmer weather means lighter moods, lighter jackets, and best of all … perfect riding weather! Here are a few motorcycle safety tips before you head out on the highways and dusty backroads. READ MORE >>

We’ve all heard the expression: “An ounce of prevention is worth a pound of cure.” And it’s just as true for disaster preparedness as it is for your personal health. While we can’t prevent weather events—such as tornadoes—from happening, we can prepare in case one strikes. READ MORE >>

The first step in winterizing your boat should be to make a list of all your winterization tasks. Check your boat and motor owner's manuals for manufacturer recommendations on winterization and review the topics below. If you are a new watercraft owner, consider employing the help of a friend with experience in winterization, or hire a professional to do the job. READ MORE >>

Proper maintenance can extend the life of your boat, reduce the need for costly repairs, and help ensure the safety of your passengers. Cleaning and Care Wash your boat regularly to prevent the long-term effects of environmental wear and tear. Routine waxing and the use of an anti-fouling paint can also help protect your boat from the elements. READ MORE >>

Tornadoes have caused severe and irreparable damage to tens of thousands of Americans and their property in recent years. On top of the physical and emotional fallout, many have also lost their lives as a direct result of a tornado. READ MORE >>

Many people have a limited definition of “distracted driving”: They think it only means texting behind the wheel. There’s good reason for that, because texting requires visual, manual and cognitive attention — the same attention required for safe driving. READ MORE >>

Identity theft affects thousands of Americans every year, and at no time is it more prevalent than tax season. According to the U.S. Federal Trade Commission, there were more than 109,063 tax-related identity theft complaints in 2014. READ MORE >>

There’s no more exhilarating way to enjoy a day on the water than atop a personal watercraft, a small vessel on which you sit or stand, rather than ride inside of like a boat. But, with the horsepower of a large outboard engine and the acceleration of a motorcycle, a personal watercraft is no toy. READ MORE >>

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