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Young Insurance Associates, Inc.

2609 Atlantic Ave Suite 107
Raleigh, NC 27604

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15720 Brixham Hill Ave, Suite 300
Charlotte, NC 28277

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Why is RV Insurance Important

What is RV Insurance?

In order to understand RV insurance, you need to know what is is and why it’s important. RV insurance is in place to protect you against financial liability toward any bodily injury or property damage that may be caused if you are in an accident while you, or another driver is behind the wheel of your RV. As a resident of North Carolina, a minimum of liability insurance is required, by law for owners of recreational vehicles.

Why is RV Insurance Important?

Besides being a requirement by law, having protection in place for yourself or anyone that may be using your vehicle is a smart move. For instance, if you live in your RV, having full-timers insurance will be necessary. This is a similar to homeowners insurance, which may protect you in the case of any damage, natural disaster, theft and other unexpected circumstances that happen to your RV. In most cases, for motor home purchasers, the lender will require that RV insurance is purchased at point of sale before they will approve you.

What kind of RV Insurance do I need?

There are a number of types of RV’s, but the biggest variation in coverage is dependent on whether you own a camper, which is also called a travel trailer or a motor home. RV’s are classified into three groups: Class A, Class B and Class C and the type of insurance that will be required is determined based on the amount of use that is put into the RV and if you live in the motor home full-time. A motor home is considered one if there are living quarters permanently attached, the vehicle has permanent cooking and refrigeration appliances, heating and air conditioning, plumbing for a bathroom, a drinkable water supply system and has a 110-125 volt electrical system in place. A travel trailer, which is non-motorized and most often used for camping, would be considered such if there is a permanently attached cooking system and sufficient area for sleeping within the vehicle.

 

 

 

Motorcycle Storage: How to Store Your Belongings, Purchases, and Travel Necessities Safely, Conveniently, and Compactly

Whether you’re going on a short or long motorcycle trip, the storage and transporting of your personal items is often practical and necessary. To make this experience easier, you can begin by assessing the distance of travel and your motorcycle storage area. This space includes the available storage already installed, such as the under-seat space, and the optional room for additional storage attachments. Once you have this information, you can begin building specifications for the style, size, and material of a storage container.

When it comes to the items you tote, identify what volume, type, and size of items you will be transporting, as well as, the purpose, so you can determine the measurements of the container to purchase. For the style of container you want, include shape, color, and insulated or non-insulated interior lining. Decide if you want a hard case, soft case, canvas, or waterproof shell, depending upon your type of carting needs. Overall, an airtight and waterproof container can bare the elements of weather whether it’s hot and humid or rainy and windy. With your feature identification list, you’re now ready to shop for your container online or visit an automotive and motorcycle store.

What do you usually want to carry with you when traveling on a motorcycle both short and long distances? It may be food, a laptop, cell phone, overnight bags with clothing along with toiletries, an emergency repair and medical kit, or a collection of personal items or purchases. Once you determine what items you’re toting, you can even narrow down your shopping list more in order to locate a unit with the most storage flexibility to accommodate your items.

The selection of motorcycle transporting containers on the market includes totes that range from soft back packs to hard-shelled and bike back-mounted upright cases. Keep in mind that the heavier and larger the storage unit, the more weight your motorcycle will tote, which, in turn, expands more gas and can make it more difficult to balance and maneuver the bike. When traveling, a consideration should be the storage amount and weight, as well as, your capacity to handle it in addition to the motorcycle’s ability to carry the load.

Different motorcycle makes and models provide various kinds of installed storage space and optional tote attachment area. Speed motorcycles normally provide less installed space, whereas, cruising motorcycles supply more toting room from roomy under-seat area to back bike attachment space for traveling containers.

Whether you’re looking to store a few traveling items, such as a wallet, flashlight, and phone for a short trip, or an overnight bag complete with a change of clothing, shoes, and wash essentials for a longer ride, knowing your storage options can make your travel more safe, convenient, and toting more compact. Understanding this storage information helps to transport and protect your personal items. Motorcycle insurance protects your personal interests in the event of a riding mishap or theft. With Young Insurance Associates, serving Raleigh, North Carolina, you can get insurance coverage to safeguard against insured motorcycle traveling risks. Young Insurance Associates is just a short ride away from keeping your personal and motorcycle interests secure.

 

 

5 Boating Safety Tips for a Super Summer

Getting out in the water during the summer can be exciting, but there are dangers that come with summer boating. Make sure you enjoy boating safely when you’re out with family and friends this summer by following these essential boating safety tips.

Tip #1 – Take a Look at the Weather

Before you head out on the water, make sure you take a look at the weather. If there’s a storm coming, you may want to postpone your boating trip. If you’re out boating and you start seeing the signs of an upcoming storm, it’s a good idea to head to land. If you can’t get to land, get into the middle of the boat or go below if that’s an option.

Tip #2 – Ensure You Have Proper Safety Equipment

All recommended safety equipment, such as life jackets should be on your boat. Check for the essential safety equipment before each time you go out in the boat.

Tip #3 – Don’t Drink While Operating a Boat

Since alcohol can impair your ability to act and think efficiently and quickly, you need to avoid drinking when you are operating a boat. You need to be able to deal with any situation out on the water, so keep yourself and others safe by abstaining while you’re boating.

Tip #4 – Look Out for Swimmers

Keep your eye out for any swimmers. Many people go swimming in the summer, so you want to avoid accidentally hitting someone. Make sure you stay a safe distance away from swimmers.

Tip #5 – Make Sure Everyone Wears a Lifejacket

Even strong swimmers need to have a life jacket on. Many boating fatality victims could have been saved with a lifejacket. Even if it’s hot, make sure everyone has a lifejacket on while boating.

Before you head out in your boat in Raleigh, NC, make sure you have good boat insurance in place. Learn more about your options by contacting Young Insurance today.

Save money while moving

If you are looking at moving, chances are you are also looking at moving costs. Outside of your employer covering moving expenses, transporting all of your belongings is a pricey ordeal. That is why it is important to do everything in your power to save money during the moving process. At Young Insurance, we know whether you’re moving to Raleigh, NC, leaving the city or are simply in the area, you want to save money and we aim to assist you doing so. 

Streamline What You Don’t Need

This is the perfect time for you to streamline what you do and do not use. After all, why should you pay money for boxes, moving services and spend time moving what you just never use. First, hold a yard sale. That is a good way to cut some of your items. Then, try to post items on services like eBay and Craigslist, offer up items to Goodwill and donate to local charities. This helps rid your home of costly items and it helps lighten your load. 

Why Pay for Boxes

Speaking of boxes, why should you pay money for hunks of cardboard when you can pick it up for free? You just need to know where to turn. Stop by local liquor stores and ask for boxes they no longer need. These are extremely strong and there is always a large number of boxes available, so you’ll likely never need to buy boxes ever again. 

Use Movers Just For Large Items

Don’t just rent out a moving crew for the entire time you load up the truck. Pay for an hour or two so they can move in the heavy material. From there, do the rest of the loading yourself (or ask for help from friends). 

Basic Guide to Using an ATV in Raleigh, NC

If you’re interested in enjoying the great outdoors of America, you should consider purchasing an all-terrain vehicle. Unfortunately, ATV vehicles can be a handful if you don’t have any experience using this vehicle. Here are a few tips you should consider if you’ve never used an ATV before. 

Start Small

As a first time rider, you should look for a simple ATV rather than a machine that is incredibly powerful and enhanced with many features. You want a machine that you will not have any trouble controlling. The last thing you want is for your ATV to completely overpower you.   Instead, you should aim to purchase an ATV with an engine of around 300cc and an automatic transmission. 

Wear Safety Gear

In order to remain safe, you need to wear protective gear, such as a motorcycle goggles, motorcycle helmet, over-the-ankle boots, a jacket, a long-sleeved shirt, and long pants. During your first few rides, you should consider wearing wrist guards, knee guards, elbow guards, shin pads, and a chest protector for maximum protection. In order to protect your ATV, think about purchasing insurance before you ride for the first time.

Keep Your ATV Safe

Speaking of purchasing insurance for your ATV, there are quite a few things you can do to keep your ATV safe. Theft is without a doubt the main threat to your ATV. When you store your ATV, you need to keep it out of plain sight. If possible, park your ATV in the garage. You should use a metal chain if you absolutely must keep your ATV outside.

Consider purchasing an insurance policy from Young Insurance, a company that serves the Raleigh, NC area, to ensure you will receive compensation in the event that your ATV is stolen or damaged through no fault of your own.

Keep the Kids Busy: Ways to Give Back to the Community

Children often complain that they are bored, or that they have nothing to do. There are several ways to remedy their angst and do something helpful for those in need in their community. They may even like these ideas and decide to do them on a regular basis.

Donate to Goodwill

Children grow out of old clothes and toys so quickly. Have them go through items they no longer care for or use, and then bring them to Goodwill. This will keep the kids busy rummaging through their belongings and also help other kids who cannot afford new things. They may also learn a valuable lesson about how fortunate they are.

Donate to a Food Bank

Again, this provides them with an outlet to engross themselves, forget about their boredom, and provide a helping hand. We always manage to purchase more than we can consume. Non-perishable items, such as canned soup or dry items, such as rice, tend to last a very long time, so instead of letting them expire in a pantry, gather the kids for a few hours and donate it to a food bank.

Do Something Helpful for the Community After A Natural Disaster

Every so often, the eastern seaboard is hit by a hurricane or other large storm. Having your kids help with the cleanup is a fantastic way to give back to the community. There are several organizations that welcome volunteers and donations to help following a disaster, such as The Red Cross, Salvation Army, and Citizens Corps. In addition, local insurance companies, such as Young Insurance Associates, Inc. of Raleigh, NC, are actively involved in teaming up with organizations that are involved with restoring the area. It is also advisable to make sure you are insured by someone in your community if you require assistance.

What You Need to Know About Aggressive Driving

Aggressive driving is a problem, and these unsafe behaviors, such as tailgating and speeding, may lead to road rage. The scary thing about aggressive driving is that it can be fatal. It’s known to play a role in 2/3 of traffic fatalities. Half of people who encounter this type of driving behavior will respond in kind instead of backing off.

The good news is that you can take measures to keep aggressive driving from turning into road rage. If someone is tailgating you, simply move over out of the way. In a tense situation on the road, wave to show you are sorry to defuse the situation. Think about whether you’ve accidentally annoyed another driver and make changes to your driving if you have. Try to avoid using your horn, and if you encounter an angry driver, avoid making eye contact. Listening to music can even help when you’re driving. Remember, staying calm can keep aggressive driving from turning into something more serious and potentially deadly.

What causes road rage? You may be surprised at some of the reasons drivers end up dealing with road rage. Some experience it because they are stuck behind someone who is driving slow. Not being allowed to pass can also result in road rage, as can being given the finger while driving. Road rage often occurs because of two drivers who are fighting over the parking space they want. Being cut off, being tailgated, and having someone honk too much are also common reasons that road rage occurs.

Aggressive driving is a common problem that causes many vehicle accidents. Make sure you’re protected with a good auto insurance policy. Contact Young Insurance today for a new auto insurance policy or for a review of your current policy.

Tips for Navigating Traffic Laws Abroad

Traveling can be a lot of fun, but driving in another country is a little scary. Are you following all the local laws? Even if you are, are you driving in a way that might be considered rude here, even though it’s acceptable in the US? How do you deal with cops in your new country? Will your Young Insurance policy keep you covered abroad? Here are some legal points you need to know when driving overseas:

You’ll Need an International Driving Permit

When driving overseas, you’re going to need an international driving permit, as well as your state-issued driver’s license. Make sure to keep both on you at all times.

Pack the Local Driver’s Manual

You’re probably not going to be able to memorize all of a country’s road rules before you have to hit the road, but if you head to the country’s equivalent of a DMV, you should be able to get an English-language version of their manual that you can keep in the glovebox so that you always have a resource you can check when you don’t know what to do. A travel companion who can read relevant rules to you as you drive will be invaluable.

Don’t Skimp on Liability Insurance

You don’t know what can happen out there, and the chances of a fender bender or scrape-up are increased when you’re learning the rules of the road all over again. Your insurance provider may be able to set you up with a liability policy for a rental car abroad, but if not, car rental agencies offer additional insurance packages, and many credit card companies allow their users to buy insurance for rental cars through their card.

Call Young Insurance today to make sure you are covered for your next international traveling excursion. 

 

Auto Insurance In Raleigh: Discovering Hit & Run Coverage

Any car accident in Raleigh is bad, but when it’s a hit and run, it can be difficult to hold the other driver responsible for damages. Unless you are able to get a look at the license plate or get a good description of the car, you will be responsible for the repairs and potential injuries from the accident.

Auto insurance can provide all of the hit and run coverage that you need, though it isn’t called “hit and run.” Instead, it’s a collection of various types of coverage.

Collision

Collision coverage will help to cover the damage to your car. A standard policy may not have this coverage and when someone else is responsible for hitting your car, this is what you want to have in place. While you hope you never need it, you know it’s there.

Uninsured Motorist

Uninsured motorist has two forms of coverage within it – bodily injury and property damage. Both of these may be important. During a hit and run, you may not know who the other motorist is and therefore they are treated as though they are uninsured. It helps for you to not pay out of pocket.

Medical Payments Coverage

There may be medical payments for you and your passengers. This coverage will help to take care of all of those medical bills that come in.

Call one of our independent agents at Young Insurance today to learn about auto insurance in North Carolina. We’re here to help you find a policy to protect against hit and runs and that is affordable.