Tips to Drive Safely In Bad Storms

It can be dangerous to drive in bad storms, whether you are driving in snow, sleet, thunderstorms, or something much worse. If you are able to stay home, you should. However, if you have to drive, you need to use caution. Right Choice Insurance and Taxes in Tuscon, AZ offers the following to help you drive safely in bad storms:

Tips to Drive Safely In Bad Storms

Be prepared. You should always make sure that your vehicle is ready for a bad storm. Always make sure that you have plenty of gasoline. You also want to make sure that your windshield wipers are good and your lights work. You may want to leave some water and snacks in your car, just in case you get stuck. 

Give yourself plenty of time. You should never rush when you are driving in bad weather. Give yourself extra time to get where you are going. This allows you to drive slowly and carefully until you get where you are going. 

Slow down. Drive slower than normal. Wet roads are slippery, so use more caution when turning and stopping. You should never slam on your brakes or try to accelerate quickly. This is just asking for trouble.    

Always use your headlights. Whenever visibility is down, you need to use your headlights. This isn’t just to help you see. It is to let others see you. 

Keep your windows clear. You may need to use the defroster (or air conditioner) in order to see as clearly as possible. 

You should always drive carefully, no matter what the weather is. It also helps to have insurance. In order to protect yourself, you need to make sure that you have enough insurance for your automobile. Don’t hesitate to contact us today at Right Choice Insurance and Taxes in Tuscon, AZ. 

Is it required to have health insurance in Arizona?

The Right Choice Insurance and Taxes team is here to address your insurance questions, including those pertaining to health insurance. Residents in the Tuscon, AZ metropolitan area can rely on us!

The short answer to health insurance requirement questions

While you won’t be penalized for not having health insurance, there are many great reasons to have it. If you opt for a catastrophic or high-deductible policy, you will enjoy several essential benefits.

Having a health insurance policy in place can help you avoid unwanted and unnecessary expenses. And, when you have a health care policy, you are more likely to have a General Practitioner who can address your health needs. Many people without insurance turn to their local emergency departments when they need medical assistance.

With a family doctor in place, you are also more likely to receive preventative care that can help you avoid or minimize more severe conditions and complications. So, while it may not be required to carry health insurance in Arizona, there are many great reasons to do so.

Choosing the right policy for your needs is easier when you work with an experienced and knowledgeable agent. You will feel better knowing that you have a policy in place! 

Find out more about your options today.

If you have questions about health insurance, the Right Choice Insurance and Taxes team has the answers! We are proud to serve all of the insurance needs of the greater Tuscon, AZ community. If you would like to learn more, give our office a call today.

Life Insurance: What Age is the Right Age to Get Insured?

It’s common to wonder when it’s really the right time to explore life insurance, and the answer is relatively simple: it’s always the right time to secure a policy that meets your needs according to your age, family status, lifestyle, and other factors. However, while your need for life insurance doesn’t change, the value and purpose of that policy will change over the years as you move through different stages in your life. 

Let’s explore that further: 

Single adults often overlook life insurance needs, but are surprised to learn that if they have a cosigner on any debt when they pass, the debt becomes the sole responsibility of that cosigner. Additionally, end-of-life expenses can be burdensome for loved ones without a life insurance policy. For single adults, life insurance is typically secured with these factors in mind.

Married adults without children begin to consider what their income means to their spouse and how they might replace lost income or pay off shared debts in the event of their passing. Married adults without children should consider both lost income and any marital debt when calculating the appropriate amount of life insurance. 

Parents have new factors to consider, like the cost of raising a child without one income or sending a child to college. When parents take out life insurance, they typically think about any debt, lost income, and the future expenses associated with raising children. Life insurance needs are typically greatest for married adults and new parents. 

Empty nesters and retirees begin to notice that the value of their life insurance may not need to be as high as it once was. Empty nesters and retirees should consider supporting the remaining spouse and paying off debts, if any exist at this life stage. 

To explore your life insurance options, visit Right Choice Insurance and Taxes serving Tuscon, AZ today.

4 Benefits Of Home Insurance

Right Choice Insurance and Taxes is an independent agency. We work with multiple carriers across the Pacific Northwest. We strive to help Tuscon, AZ residents find the coverage they need to protect their assets. Our clients have access to multiple types of coverage to help navigate life’s challenges. We are confident that we can help you find the coverage you need to live comfortably.

4 Benefits Of Home Insurance

Like many Tuscon, AZ residents, owning a home is likely the result of years of hard work and sacrifice. Home insurance allows you to protect your investment. Your home is covered in several ways. Here is a look at some key benefits of home insurance.

Liability Protection

Liability protection covers you from potential litigation as a result of an accident. Perhaps you invite a friend over to your home, and they slip and fall, breaking their ankle. Perhaps you are doing some outdoor work, and you accidentally damage your neighbor’s property. Maybe your dog is having a bad day and attacks someone. These are common situations when liability coverage protects you from legal action.

Natural Disaster Protection

Home insurance covers your property against natural disasters such as tornadoes or hurricanes. You are also covered if your home is damaged due to an accidental fire. The policy covers your repairs.

Detached Coverage

Home insurance covers any damage to detached structures such as your garage and deck.

Alternative Living Coverage

If your home suffers serious damage, you can add alternative living coverage to your home insurance policy. This alleviates some stress as you search for another place to stay while your home is repaired.

Right Choice Insurance and Taxes Will Help You Cover Your Assets

Visit our website to learn more information about home insurance.  

Motorcycle Insurance FAQs

Motorcycle insurance is not required in all states, but depending on where you live, you may need to provide proof of insurance. In addition, if you are found at fault for a motorcycle collision, you could be held responsible for the damages. If you own a motorcycle in Tucson, AZ, Right Choice Insurance and Taxes wants to share with you some frequently asked questions and answers.

How Exactly Does Motorcycle Insurance Work?

A motorcycle insurance policy is very similar to a standard auto insurance policy. You will pay a monthly premium and file a claim if an accident occurs. You will be responsible for the deductible, and then the insurer will pay for the damages up to the policy limits.

Are There Additional Coverage Options?

It is a good idea to invest in collision insurance. This type of insurance coverage will protect your bike in a number of circumstances. In the event your motorcycle is totaled, this coverage will also pay for it to be replaced. Due to the fact that there are so many motorcyclists on the road without insurance coverage or not enough coverage, consider investing in underinsured and/or uninsured coverage.

You should also consider comprehensive coverage. This type of insurance coverage will provide protection when there is an incident that involves vandalism, theft, wind, water, or fire. There is also medical payment coverage. This type of insurance coverage will help pay for any medical expenses you incur after a collision.

If you have purchased a motorcycle recently in Tucson, AZ and need help determining the most appropriate motorcycle insurance coverage for you, sit down with us at Right Choice Insurance and Taxes. We can help you examine your lifestyle and driving habits, as well as your budget, and figure out a policy that works for you.

Important Health Insurance Myths To Avoid While Researching Coverage

Right Choice Insurance and Taxes serves the Tuscon, AZ community. We are an independent insurance business. Our service was built on maintaining a high level of professionalism and integrity. We strive to treat our customers like family. We are confident that we can help you find the coverage that you need. We offer our clients unique policies designed to protect their interests.

Important Health Insurance Myths To Avoid

Health insurance is an asset that helps ensure that you are living a stress-free life in Tuscon AZ. If you aren’t feeling well, health insurance covers you if you need to see your doctor or visit the emergency. The policy also covers any medication that your doctor may recommend that you can take to help feel better. If you are seriously injured, your health insurance will cover your medical treatment and rehabilitation. Health insurance also covers your preventative care, such as routine checkups and exams. While you research different health insurance policies, avoid these common health insurance myths.

I Don’t Need Full Coverage Until I Age

This is a mistake that many people make. Just because you are young that does not mean an accident may not occur. Life is full of unexpected moments. Health insurance is an asset for you regardless of your age because you can go see the doctor to make sure everything is ok. You want to avoid a situation where you suddenly become ill, and you aren’t covered.

Group Policies And Individual Policies Are Similar

This is incorrect. Individual policies have major differences compared to group policies. For example, if you have your own individual policy, you can customize your health coverage to align directly with your needs. If you rely simply on a group policy, your coverage is more restrictive.

Right Choice Insurance and Taxes Will Help You Find The Coverage You Need

Visit our website to learn more information about health insurance.

4 Areas Covered by Auto Insurance

You faithfully renew your auto insurance every year in Tuscon, AZ, but do you know what’s covered by your car insurance policy? Auto insurance from Right Choice Insurance and Taxes covers you in many areas, but today we highlight four areas covered by your auto insurance.

Liability protection

Auto insurance protects you when you are at fault for an accident. For instance, auto insurance saves the day if you cause an accident that leads to bodily injury of other road users. Additionally, car insurance shields you from property damage and legal suits emanating from third parties.

Medical payments protection

Following an accident, car insurance pays for the medical costs for you and your passengers. And unlike a health insurance plan, personal injury protection (PIP) coverage pays for partial loss of income if the injuries sustained prevents you from resuming your place of work. 

Asset protection

Whether your car is totaled or damaged due to a covered peril, your insurer takes care of the damages or replacement up to your coverage limit. This way, you don’t have to start from scratch or incur out-of-pocket expenses when the unthinkable happens.

Emergency coverage

While your car brings joy and convenience, sometimes it can break down when least expected. Thankfully, if you have invested in roadside assistance coverage, you don’t have to worry when your car stalls miles away from home.

Depending on your coverage, roadside assistance offers the below services:

  • Battery jumpstarting
  • Towing
  • Puncture repair
  • Towing
  • Minor roadside repairs

While auto insurance is compulsory, there are other reasons why you must invest in car insurance.

Buy Arizona car insurance today!

Are you looking for auto insurance that covers you beyond the basics? Please get in touch with Right Choice Insurance and Taxes based in Tuscon, AZ. We will provide you with affordable car insurance that meets your budget and driving style.

When is life insurance considered a financial asset?

Life insurance by itself isn’t typically categorized as a financial asset, but in some cases, it qualifies. Right Choice Insurance and Taxes serving Tuscon, AZ wants you to understand when life insurance adds a financial asset to your portfolio.

The term asset class refers to a purchase you made today that you anticipate will have greater value in the future. Assets should appreciate over time, but some could depreciate.

Term life insurance can qualify as a financial asset when it has a cash surrender value. Whole life insurance can qualify as a financial asset when it has a cash value account attached. The latter can be either a savings, money market or investment account.

Both of these types of life insurance guarantee a future value for the policy while you live. If you can only use the policies for your beneficiary, then you could argue it qualifies as their financial asset, but financial planners and insurance agents do not really look at it that way.

You can only consider a life insurance policy with a surrender value or a cash value as a financial asset. A financial asset contributes to your financial portfolio, which, in turn, adds to your net worth.

Adding to your net worth helps you overall in finance and in life. You can more easily obtain loans and credit cards when you have better credit and a higher net worth.

Consult with the insurance agents at Right Choice Insurance and Taxes serving Tuscon, AZ to learn which life insurance product can help you the most and which qualifies as a financial asset. Call us today.

Three Ways that Home Insurance Protects You

Owning a home can be a joy, but it also comes with risks. To help protect you against those risks, there is home insurance. If you need a home insurance policy, give us a call now at Right Choice Insurance and Taxes in Tuscon, AZ.

The House

One of the most important types of coverage that is included in home insurance is coverage for the house itself. The dwelling can suffer many types of damage from events like accidents, calamities and disasters. When this happens, your home insurance can pay for the repairs that are needed. If the home is destroyed, it can even pay to rebuild it. It’s important never to be without this coverage, as damages can be extremely expensive to pay for. 

Your Belongings

Another important aspect of home insurance is coverage for your belongings that are in your home. This coverage can help you to repair or replace items that get damaged in a covered incident. This may be a disaster, accident or something else that happens and ruins your items. Next to your home itself, your belongings generally represent your largest investment. Replacing everything would be prohibitively expensive on your own without this policy. 

Liability Protection

Another expensive risk that homeowners have is their liability for accidents. If a third party were to visit your home and become injured or sick there, you could be found liable for their medical bills and even their lost wages. However, a home policy covers this situation. It can pay the medical bills as well as the lost wages so that you don’t have to. 

Cover Your Home

If you own a home, never be without home insurance. To find out more about these policies, give us a call today at Right Choice Insurance and Taxes in Tuscon, AZ. 

Medicare Insurance in Arizona – Can You Use Medicare Insurance When Traveling?

The first question everybody asks when they are getting ready to travel is, how will they be covered by travel insurance. For many, the questions are about Medicare. There are ways that Medicare will cover you when you will travel. There are ways to supplement that as well.

At Right Choice Insurance and Taxes, we want Tuscon, AZ residents to have their Medicare questions answered when they are traveling. We can help you answer all of your Medicare and travel insurance questions.

Medicare Advantage 

Medicare Advantage will help you with health insurance when you are traveling in the United States. This will cover your medical emergencies, but other kinds of medical care may not be covered. You will also need to use doctors with the Medicare Advantage Plan.

Because these benefits can be specific by the state, you will have some out-of-pocket expenses. If you have health care needs that you will need maintained outside your state when you travel, tend to them before you travel. Then your only health insurance worries will be covered by Medicare Advantage if you have a medical emergency.

Medicare Overseas

Medicare will also cover you when you are traveling overseas for medical emergencies. The services that will be covered will depend on what Medicare plan you have. Medicare Part A will cover for any services after you are admitted into a hospital. 

Medicare Part B would cover that, plus any treatments prior to any admission. If you do not require hospitalization, you may be held responsible for those costs.

Supplement With Travel Insurance

Supplementing your Medicare with travel insurance can help you to be covered for any health care problem when traveling in the United States, or overseas. At Right Choice Insurance and Taxes, we can help Tuscon, AZ residents on Medicare be covered for health care, no matter where they are traveling. Call us for a quote today.