Diehl Insurance Newsletter

Motorcycle Event Calendar

Karen — Fri, 25 Feb 2011 21:32:12 +0000

March 5 – Butler Tech Motorcycle Expo

Dealer and law enforcement bike displays, motorcycle clubs, Motorcycle Ohio safety course info. 9A to 5P, Butler Tech Safety, 5140 Princeton-Glendate Rd, Hamilton OH 45011, info 645-8350

April 30 ABATE of Ohio, Inc Awareness Rally

9:30-11:00 Parage Rgistration – AD Farrow HD

12:00-1:30 Parade and Rally at the Ohio State House

1:30 – 5:30 After Rally-Rally – AD Farrow HD

Food, Vendors, Swap Meet

May 21 Destination CycleSafe 11-4 Clermont Co Fairgrounds

Family friendly safety oriented event with bike displays, bike show, safety displays, riding demos, food, vendors, fashion show, and featuring a stunt show by Brian Bubash. Free to the public

Need speaker for your Group? – Call Diehl Ins.

Karen — Wed, 11 Aug 2010 19:39:13 +0000

Car and motorcycle clubs, homeowners associations, realtors and many other groups share common needs for their insurance. But getting clear information on what consumers should do to adequately protect themselves and their investments can be a challenge.

Diehl Insurance has a number of programs to address these common issues. How much liability insurance do you need to buy? How do insurance companies determine the value of your car or home? What should I do after an accident? These topics and many more can provide valuable information to your members.

Speakers are available free of charge. This is not a hard-core buy from us presentation but factual details to help your members make informed insurance decisions. Call for information on reserving a speaker for your next group function. Diehl Insurance at 513 965-0003.

Uninsured Motorist Claims on the Rise

Karen — Thu, 04 Mar 2010 22:08:23 +0000

We have received notice from our insurance companies and an Ohio attourney specialing in motorcycle accident cases that accidents involving uninsured or underinsured drivers are on the rise. It seems the current poor economic and unemployment climate is causing many drivers to cut coverage or cancel insurance all together in efforts to save money. This means the rest of us need to be sure we have adequate Uninsured and Underinsured Motorist Bodily Injury protection on our insurance.

If you are injured by an uninsured driver, Uninsured Motorist Bodily Injury coverage will pay for your medical costs – up to the limits you have chosen on your insurance policy. Even if you have health insurance, your health insurer may decline payment when another person is resonsible for causing your injuries, and you may have thousands of dollars of out of pocket expenses like deductibles, co-pays, prescriptions, and lost wages.

Underinsured Motorist Bodily Injury Coverage is also available. This benefit kicks in when a driver who IS insured hits you – but their insurance coverage is not adequate to cover all of your expenses. For example, if a driver with the state minimum liability level coverage of $12,500 hits you, you spend 3 days in intensive care, need surgery, therapy and more – you are very likely to incur more than $12,500 in medical costs. Your Underinsured Motorist Bodily Injury benefit can cover the shortfall left after their insurance coverage is exhausted.

Many drivers are surprised how little is costs to beef up their insurance protection. Diehl Insurance is available to review your insurance coverage to be sure you have this important coverage. Call the office today at 513 965-0003 or email us at insurancediehl@cinci.rr.com.

Is your home vacant?

Karen — Tue, 02 Mar 2010 19:05:59 +0000

In today’s depressed real estate market, many homeowners are choosing to move to a new residence before their old one sells. But they fail to realize that once their home is no longer occupied, their homeowner’s insurance may not protect the property in the event of a claim.

Vacant homes have many risks that owner occupied residences do not. Vacant properties are frequent targets of vandals and thieves, or vagrants looking for a warm dry place to sleep. Routine conditions – like a broken pipe or window may go undiscovered for days leading to significant home damage. For these reasons, insurance companies typically discontinue insurance coverage for homes that have been vacant for 60-90 days.

Coverage is available for vacant homes, but as you might expect is usually more expensive than regular home owner insurance policies. Some owners choose to rent out their home instead – landlord insurance policy costs are comparable to homeowner insurance costs, and a tenant can notify the homeowner quickly if damage occurs.

Occasionally, a homeowner attempts to save some money by not reporting the fact that their home is vacant to their insurer. However, if damage occurs it is a simple matter for the insurance claim adjuster to identify that the home is vacant and deny coverage for the claim. In most cases, coverage ceases to exist for a vacant home after the deadline defined in the insurance policy expires.