Motorcycle insurance provides essential protection for riders, but the amount of protection you receive depends largely on your policy limits. These limits define how much your insurer will pay in the event of an accident, and understanding them can help you avoid costly surprises. For motorcyclists, choosing the right limits is especially important due to the higher risks associated with riding. What Are Policy Limits? Policy limits are the maximum dollar amounts an insurance company will pay under your motorcycle insurance policy. Once those limits are reached, you are responsible for any remaining costs. Insurance policies often include split limits (separate amounts for bodily injury and property damage) or combined single limits (a total maximum payout per accident). Key Types of Motorcycle Insurance Limits 1.Bodily Injury Liability Limits Covers injuries you cause to others in an accident. Expressed as two numbers (e.g., $50,000/$100,000): - The first is the maximum per injured person. - The second is the maximum for all injuries in one accident. Why it matters: Medical bills can be extremely costly; low limits may leave you personally liable. 2. Property Damage Liability Limits Covers damage you cause to another person’s vehicle or property. Example: $50,000 per accident. Why it matters: Repairing or replacing cars, fences, or other property can exceed low policy limits quickly. 3. Uninsured/Underinsured Motorist (UM/UIM) Limits Protects you if you’re hit by a driver who has no insurance or not enough coverage. Often mirrors your liability limits. Why it matters: Many drivers carry only minimum coverage, leaving gaps in compensation for serious motorcycle accidents. 4. Medical Payments (MedPay) or Personal Injury Protection (PIP) Covers medical expenses for you (and sometimes passengers), regardless of fault. Policy limits are usually lower, but it provides valuable supplemental coverage. 5. Collision and Comprehensive Coverage Limits Pays for repairs or replacement of your bike after an accident, theft, or damage from events like fire or storms. Policy limits are based on the actual cash value (ACV) of your motorcycle. Factors to Consider When Choosing Limits State Minimum Requirements Every state has different minimum liability requirements, but these are often too low to provide real financial protection. Medical Costs Motorcycle accidents often result in more severe injuries than car accidents, so higher bodily injury limits are recommended. Your Assets If you own a home, savings, or other valuable assets, higher limits protect you from lawsuits that could threaten them. Cost vs. Risk While higher limits may increase your premium slightly, they offer significantly more protection in catastrophic accidents. Common Mistakes Riders Make with Policy Limits Choosing only state minimum liability coverage. Forgetting to add uninsured/underinsured motorist protection. Overlooking medical payments or PIP coverage. Not updating coverage after upgrading or customizing their motorcycle. Conclusion Policy limits in motorcycle insurance are more than just numbers—they determine how well you’re protected when the unexpected happens. By carefully reviewing your liability, UM/UIM, and medical coverage limits, you can ensure you’re not left paying out-of-pocket after an accident. The bottom line: don’t settle for the minimum. Riders should aim for higher limits that reflect the real risks of the road and their financial situation. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

Every business, regardless of size or industry, faces risks that can l ead to lawsuits or financial losses. That’s why liability protection is such a critical part of any business insurance strategy. Unfortunately, many companies either underestimate their risks or make costly mistakes that leave them vulnerable when claims arise. Here are the biggest mistakes businesses make in liability protection—and how to avoid them. 1. Relying Only on General Liability Insurance The mistake: Believing that one general liability policy covers all risks. The reality: General liability policies cover bodily injury, property damage, and some personal injury claims, but they don’t cover professional mistakes, employment disputes, or cyber incidents. Better approach: Pair general liability with additional policies like professional liability, employment practices liability (EPLI), or cyber liability coverage. 2. Choosing the Minimum Coverage Limits The mistake: Opting for the cheapest policy with the lowest liability limits. The reality: A single lawsuit can easily exceed a $1 million limit, leaving your business to cover the rest out-of-pocket. Better approach: Assess your assets, industry risks, and potential claims to set realistic coverage limits. 3. Not Updating Coverage as the Business Grows The mistake: Keeping the same liability policy for years without adjustments. The reality: As you hire more employees, expand services, or purchase new assets, your exposure increases. Better approach: Review your policies annually and update coverage to match business growth. 4. Overlooking Professional Liability Insurance The mi stake: Assuming only doctors or lawyers need professional liability (also known as errors & omissions insurance). The reality: Any service-based business (consultants, IT professionals, contractors) can face claims of negligence or poor advice. Better approach: Add professional liability insurance if your business provides services, guidance, or expertise. 5. Ignoring Cyber Liability Risks The mistake: Thinking cyberattacks only target large corporations. The reality: Small businesses are often prime targets because they have weaker cybersecurity. A breach can lead to lawsuits, fines, and reputational harm. Better approach: Invest in cyber liability coverage to handle data breaches, ransomware attacks, and recovery costs. 6. Failing to Understand Exclusions The mistake: Assuming “covered” means everything is included. The reality: Policies often exclude certain risks, such as employee injuries (covered by workers’ comp), intentional acts, or certain professional errors. Better approach: Read you r policy carefully and ask your insurer about exclusions before you buy. 7. Not Considering an Umbrella Policy The mistake: Thin king standard coverage is always enough. The reality: A major liability claim could exceed your general liability or auto insurance limits. Better approach: Add an umbrell a policy to extend coverage and safeguard your business from catastrophic losses. Conclusion Liability protection isn’t just about having a policy—it’s about having the right coverage, with the right limits, and regularly updated to match your business risks. By avoiding common mistakes like relying on a single policy, underinsuring, or ignoring exclusions, businesses can better protect themselves from costly claims and legal battles. The right liability protection ensures your company can weather challenges, safeguard its reputation, and focus on growth without fear of devastating financial setbacks. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

When most homeowners think about insurance, they focus on covering the structure of their home and personal belongings. But there’s another important part of a home insurance policy that often gets overlooked: Loss of Use coverage. This coverage can be a lifesaver if your home becomes temporarily uninhabitable due to a covered event, ensuring you and your family have a safe place to stay without draining your savings. What Is Loss of Use Coverage? Loss of Use coverage—sometimes called Additional Living Expenses (ALE)—pays for the extra costs of living elsewhere when your home can’t be occupied due to a covered peril, such as a fire, storm damage, or major water damage. What Does Loss of Use Cover? Temporary Housing Hotel stays, apartment rentals, or other temporary accommodations. Increased Living Expenses Extra costs for meals, utilities, or commuting if they rise above your normal expenses. Storage Costs Renting space to keep your belongings safe while your home is being repaired. Pet Boarding Fees Covers boarding pets if they can’t stay with you during repairs. Lost Rental Income (for landlords) Reimburses lost rent if you rent out part of your home and it’s uninhabitable due to a covered event. What Loss of Use Does Not Cover Damage not caused by a covered peril (e.g., floods or earthquakes without separate coverage). Normal expenses you would pay anyway, like your mortgage or property taxes. Luxury upgrades (insurance pa ys for “comparable” living expenses, not an upgrade in lifestyle). Why Loss of Use Coverage Is So Important Peace of M ind: You won’t have to worry about where your family will live if disaster strikes. Financial Protection: Temporary housing and meals add up quickly—this coverage keeps you from paying out-of-pocket. Business Protection for Landlords : Ensures rental income isn’t lost if tenants can’t occupy the property. Essential During Long Repai rs: Major rebuilds can take months, making this coverage critical. Tips for Homeowners Check Your Policy Limits: Many policies cap loss of use coverage at a percentage of your dwelling coverage (often 20–30%). Know What’s Covered: Review your policy to understand which perils trigger coverage. Keep Receipts: You’ll need to document expenses for reimbursement. Consider Supplemental Policies: Flood or earthquake insurance may be necessary to cover additional risks. Conclusion Loss of Use coverage may not get as much attention as structural or personal property coverage, but it can make all the difference when disaster strikes. By covering temporary housing and extra living expenses, it protects your family’s comfort and financial stability while your home is being restored. Don’t overlook this vital part of your home insurance policy —it’s the safety net you’ll be glad to have if the unexpected happens. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

Auto insurance is essential for protecting both your finances and your vehicle. But with so many coverage types, it can be confusing to know which ones are necessary for your situation. Two of the most common—and most different—types are liability insurance and collision insurance. Both offer valuable protection, but they serve different purposes. Understanding the distinction can help you build the right policy for your needs. What Is Liability Insurance? Liability coverage is the foundation of every auto insurance policy and is required by law in nearly every state. It protects you financially if you cause an accident that injures others or damages their property. What it covers: Bodily Injury Liability – Pays medical bills, rehabilitation, and lost wages for injured parties. Property Damage Liability – Covers repairs to another person’s vehicle or property. Legal Fees – Helps pay court co sts if you’re sued after an accident. What it does NOT cover: Repair s to your own car. Your own medi cal bills (unless you add medical payments or PIP). What Is Collision Insurance? Collision coverage is optional in most states but often required by lenders or leasing companies. It helps repair or replace your vehicle after an accident, regardless of who’s at fault. What it covers: Damage to your car if you hit another vehicle. Damage if you hit an object (tree, fence, guardrail, etc.). Single-vehicle accidents (like rolling over). What it does NOT cover: Dama ge from theft, fire, or weather (that’s covered by comprehensive insurance). Injuries to peop le (covered by liability, PIP, or MedPay). Key Differences Between Liability and Collision 1.Who/What They Protect Liability: Protects other people and their property. Collision: Protects your own vehicle. 2. Legal Requirements Liability: Required in nearly every state. Collision: Optional but often required for financed or leased vehicles. 3. Cost Liability: Usually cheaper because it covers others, not your car. Collision: Costs more, especially for new or high-value vehicles. 4. When to Have It Liabilit y: Always, since it’s mandatory. Collision: Best if your vehicle is new, financed, or costly to repair. Older cars may not need it. Which Coverage Do You Need? Mini mum Protection: Liability insurance is legally required and ensures you won’t face devastating costs if you cause an accident. Extra Protection: Collision coverage is ideal if: - Your car is newer or expensive to repair. - You drive in high-traffic or accident-prone areas. - You’d struggle to pay for repairs or a replaceme nt out-of-pocket. Conclusion Liability insurance is non-negotiable—it’s the legal minimum and protects others from your mistakes. Collision insurance, on the other hand, protects your own vehicle and is highly recommended if you own a newer or financed car. The right choice depends on your state requirements, your vehicle’s value, and your financial situation. For many drivers, combining liability and collision provides a balanced approach to coverage and peace of mind on the road. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

Motorcycle riders trust their mechanics with their lives—literally. Routine maintenance, part replacements, and inspections are all essential to keeping a bike roadworthy. But what happens if a mechanic’s mistake leads to a crash? Can they be held responsible? The answer is yes—but only under specific conditions. Understanding when a mechanic may be held liable after a motorcycle accident can help riders seek justice and protect themselves on and off the road. When Is a Mechanic Liable? A mechanic can be held legally liable for a motorcycle crash if their negligence directly causes or contributes to the accident. This liability typically falls under the category of professional negligence or breach of duty of care. Common situations where mechanic liability may apply: 1.Faulty Repairs or Installation Impro per brake installation Incorrect tire mounting or balancing Loose bolts or co mponents 2.Failure to Diagnose or Inform Ignoring visible damage or worn parts Failing to alert the rider of a safety hazard Overlooking recall-re lated repairs 3.Use of Defective or Incompatible Parts Installing us ed or incompatible parts without consent Using low-quality aftermarket components that fail 4.Improper Test Riding or Inspection Skipping test rides after repairs Not verifying that repairs meet safety standards If any of these errors directly lead to a crash, the mechanic—or the shop employing them—may be held financially and legally responsible for injuries, damage, and losses. How to Prove Mechanic Liability To hold a mechanic liable, you must generally prove:  A Duty of Care Existed The mechanic had a professional obligation to repair or service your bike safely. That Duty Was Breached The mechanic failed to perform repairs properly, overlooked critical issues, or used substandard parts. The Breach Caused the Crash You must show a direct link between the mechanic’s actions and the accident. You Suffered Damages This includes medical expenses, bike damage, lost wages, or pain and suffering. Expert testimony, repair records, witness statements, and accident reconstructions can help support your case. Why Motorcycle Insurance Still Matters Even if a mechanic is at fault, you’ll first turn to your own motorcycle insurance to cover initial medical bills, repairs, and other expenses. Motorcycle insurance helps bridge the gap while liability is being determined—and ensures you’re not left financially vulnerable. Key coverages that help in these situations: Collisio n Coverage – Pays for damage to your bike, regardless of fault. Medical Payments / PIP – Covers your medical costs after an accident. Uninsured/Underinsured Motorist – Protects you if the at-fault party has little or no coverage. Comprehensive – Cover s theft, fire, or non-collision damage. In short: Motorcycle insurance protects you even when the fault lies with someone else—like a negligent mechanic. Proactive Steps to Protect Yourself Keep all repair receipts a nd service records Ask questions when you're unsure about the repair or parts used Inspect your motorcycle after major repairs Use certified, reputable repair shops Request written estimates and confirmations of repairs completed Final Thoughts Mechanics play a critical role in rider safety, and when they fail to meet their duty of care, the consequences can be serious. While holding a mechanic legally liable is possible, it can be complex—so it’s vital to have the right insurance, good documentation, and legal guidance when needed. Trust your mechanic—but verify your safety. And always ride with protection—on the road and on paper. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

No business wants to face a product recall—but in today’s fast-moving marketplace, even the most reputable manufacturers and distributors can find themselves in the crosshairs. Whether due to a design flaw, contamination, labeling error, or safety hazard, recalls can strike suddenly and carry enormous financial and reputational costs. That’s where Product Recall Insurance comes in. It's not just for food producers or big-name car manufacturers—any company that produces, supplies, or distributes physical goods should understand the risks and consider this specialized coverage. What Is Product Recall Insurance? Product Recall Insurance is a commercial policy that helps companies manage the costs and fallout associated with recalling a defective or dangerous product from the market. It typically covers: Notification costs (to distributors, retailers, or consumers) Shipping and disposal of defective products Loss of business income Public relations and brand rehabilitation Legal defense costs in recall-related lawsuits Replacement or repair of faulty products Why Product Recalls Are More Common Than You Think Product recalls occur across industries, including: Food & beverage (contamination, undeclared allergens) Automotive (brake or airbag failures) Consumer electronics (fire hazards, software glitches) Children’s products (choking hazards, toxic materials) Pharmaceuticals & cosmetics (incorrect labeling, adverse reactions) According to the U.S. Consumer Product Safety Commission (CPSC), thousands of recalls happen every year—and they’re not limited to large corporations. The Hidden Costs of a Recall Even a small-scale recall can cost a company millions of dollars when you factor in: Direct recall expenses (product removal, refunds, restocking) Lost sales and market share Legal liabilities and regulatory fines Damaged brand reputation Customer trust and loyalty erosion Without the right insurance, your business could be left footing the entire bill. What Does Product Recall Insurance Typically Cover? While policies vary, most include the following: 1. First-Party Expenses Notification and communication costs Transportation, storage, and destruction of recalled goods Business interruption/lost revenue Replacement costs for defective products 2. Third-Party Liability Costs related to harm caused by the defective product Legal defense for bodily injury or property damage claims Damages awarded to affected parties 3. Crisis Management Services Access to PR consultants and legal counsel Guidance on regulatory compliance Brand rehabilitation efforts Who Should Consider Product Recall Insurance? You should strongly consider this coverage if your business: Manufactures or imports products Labels, packages, or distributes consumer goods Sources parts or ingredients from third-party suppliers Relies heavily on brand trust and customer satisfaction Operates in a highly regulated industry How to Strengthen Your Recall Readiness Implement quality control and supplier audits Use clear and accurate labeling Maintain detailed distribution records for traceability Train staff on recall procedures Regularly review insurance policies for gaps Final Thoughts A product recall can happen to anyone—and when it does, it can quickly become a business-threatening event. Product Recall Insurance acts as a financial safety net, helping you recover quickly, limit brand damage, and preserve customer trust. Recalls are unpredictable. Recovery doesn’t have to be. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

Hosting a dinner party isn’t just about good food—it's about creating an experience. From the lighting to the table setting, every detail contributes to a memorable evening that leaves your guests talking long after the last bite. Whether it’s an intimate gathering or a celebratory feast, curating the perfect ambiance requires thought, preparation, and a touch of creativity. In this blog, we’ll explore how to host unforgettable dinner parties with confidence—and why protecting your home with insurance plays an important behind-the-scenes role in giving you peace of mind. 6 Essentials for a Memorable Dinner Party 1. Choose a Theme or Style Set the tone with a cohesive theme—rustic Italian, cozy autumn, minimalist modern, or backyard boho. Your theme will guide everything from decor to the menu. 2. Craft the Perfect Menu Match your food to the occasion and dietary needs of your guests. Consider: A signature dish or drink Seasonal ingredients Options for vegetarian, gluten-free, or other dietary restrictions 3. Set the Mood with Lighting Soft lighting is key. Use a mix of: Candles String lights Dimmable overhead lights Warm lighting creates an inviting, relaxed atmosphere. 4. Create a Stunning Table Setting Elevate the dining experience with: Real napkins and proper glassware A simple yet elegant centerpiece Personalized place cards (for a special touch) 5. Plan the Flow of the Evening Keep guests comfortable and entertained: Offer appetizers and drinks upon arrival Schedule courses with natural breaks Prepare a music playlist that fits your vibe 6. Be Present Don’t stress the small stuff. Enjoy your own party, mingle, and make your guests feel welcome. A calm and happy host sets the tone for the night. Why Home Insurance Is a Quiet but Crucial Host While you're setting the stage for an unforgettable evening, don’t forget about protecting the space where the magic happens—your home.  Home insurance provides coverage in case something unexpected happens during or after your dinner party, such as: Accidental damage (e.g., a guest knocks over an expensive vase or spills wine on the carpet) Liability claims (e.g., someone trips on a step or gets injured on your property) Property damage from fire or kitchen mishaps Even a small accident can lead to big bills. Having the right home insurance ensures you're financially protected so you can entertain with confidence. Peace of mind lets you focus on your guests—not the “what ifs.” Bonus Tips for Hosting with Confidence Let neighbors know if you’re hosting outdoors or using music. Keep pets safe and comfortable in a quiet room. Use shatterproof drinkware for outdoor gatherings. Have a fire extinguisher nearby if cooking or using candles. Final Thoughts Creating a memorable dinner party is part planning, part personality, and part preparation. With the right ambiance and a bit of flair, you can turn any evening into an experience guests will remember. And with solid home insurance in place, you can entertain knowing that your home—and your hospitality—are both protected. So go ahead—set the scene, serve up something special, and enjoy the night. Your perfect dinner party awaits. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

Electric vehicles (EVs) have surged in popularity, thanks to their sustainability, cutting-edge technology, and long-term savings on fuel and maintenance. But while EVs offer plenty of perks, one question many new owners face is: Why is my insurance premium higher than for a gas-powered car? Whether you drive a Tesla, a Rivian, or a Chevy Bolt, understanding how EV insurance works—and what factors influence your premium—can help you save money and make smarter decisions about your coverage. Why Auto Insurance Is Essential—Especially for EV Owners Auto insurance protects you financially if you're involved in an accident, your car is damaged, or someone files a liability claim against you. For electric vehicle owners, having proper insurance is even more important due to: High repair costs: EVs often have more expensive parts and require specialized mechanics. Battery replacement risks: Damage to the battery pack—often the costliest part of an EV—can lead to substantial claims. Advanced tech: Sensors, cameras, and ADAS systems raise both the cost and complexity of repairs. Increased theft risk: Some EVs (like catalytic converter-free hybrids) are still targets for high-tech theft schemes. In short: Auto insurance for EVs is more than a legal requirement—it's a critical layer of financial protection. What Affects the Cost of EV Insurance? Here are the top factors that influence your electric vehicle premium: 1. Vehicle Make and Model Luxury EVs like Teslas or Lucid Airs cost significantly more to insure than compact EVs like the Nissan Leaf. High-end models = higher value = bigger claims Advanced tech = higher repair costs Even small differences in model trim can affect your rate. 2. Battery Replacement Cost The battery is the most expensive component of an electric vehicle. If damaged, replacing it can cost anywhere from $5,000 to $20,000+, depending on the brand and size. Some insurers factor battery costs into premiums. Policies may exclude or limit coverage on battery-related incidents—always read the fine print. 3. Repair and Parts Availability EV repairs often require specialized shops and brand-specific parts, which can delay claims and increase repair costs. Tesla, for example, has proprietary parts and approved repair centers, raising overall insurance costs. Delays in parts availability may result in longer rental car needs—another cost your insurer must consider. 4. Driving History & Location Like all cars, insurers evaluate your driving record, ZIP code, and annual mileage. Urban areas with higher accident rates = higher premiums States with EV incentives may also influence insurance competition and pricing 5. Coverage Type & Limits The more protection you choose, the higher your premium. Key EV coverages include: Collision and Comprehensive: Essential for damage, theft, weather, and vandalism Uninsured/Underinsured Motorist: Especially important in areas with low insurance compliance Gap Coverage: Highly recommended for EVs due to rapid depreciation in early ownership 6. Charging Equipment Coverage Home charging stations are often not covered under auto insurance unless added as a rider or covered under a homeowners policy. Some insurers now offer specific endorsements for EV chargers and related equipment. How to Lower Your EV Insurance Premium Bundle policies – Combine with home or renters insurance for discounts. Increase your deductible – But only if you can afford the out-of-pocket cost. Use telematics – Some insurers offer discounts for good driving tracked via apps or plug-in devices. Ask about green discounts – A few companies offer discounts for eco-conscious vehicles. Bonus: What’s Next for EV Insurance? As electric vehicles become more mainstream, insurers are adapting by: Developing EV-specific underwriting models Offering usage-based insurance (UBI) for low-mileage EV drivers Partnering with automakers for built-in insurance at purchase (e.g., Tesla Insurance) Expect more personalized and competitive options as the EV market grows. Final Thoughts Electric vehicles may be the future of driving, but insuring them requires a different approach. By understanding what drives your EV insurance premium and what coverage options are most critical, you can better protect your investment—and potentially lower your costs over time. Drive smarter. Insure wiser. And don’t let your EV ride unprotected. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​

Owning a motorcycle means freedom, adrenaline, and hitting the open road—but it also comes with serious responsibility. Motorcycle insurance is essentia l to protect yourself, your bike, and your finances, but many riders unknowingly make mistakes that leave them underinsured or paying more than they should. Whether you're a first-time rider or a seasoned motorcyclist, this guide will walk you through five common motorcycle insurance mistakes to avoid—so you can ride with confidence, not concern. 1. Choosing the Cheapest Policy Without Understanding Coverage It’s tempting to go with the lowest premium, but cheap doesn’t always mean smart. Many budget policies only offer bare-minimum liability coverage, which won’t protect you or your motorcycle in the event of an accident you cause. What You Risk: No coverage for your own injuries (without medical payments or personal injury protection) No coverage for your bike’s repairs (without collision or comprehensive) Insufficient liability limits if you seriously injure someone else What to Do Instead: Know your state’s minimum requirements—but consider higher limits Add collision and comprehensive coverage, especially for newer or financed bikes Consider uninsured/underinsured motorist coverage to protect against others’ lack of insurance 2. Forgetting to Insure Accessories and Custom Parts Motorcycles often come with expensive gear—custom paint jobs, chrome upgrades, saddlebags, and aftermarket parts. A standard policy may only cover factory-installed equipment, leaving you unprotected if your upgrades are damaged or stolen. What You Risk: Paying out-of-pocket for thousands in custom parts Incomplete replacement after a total loss What to Do Instead: Ask your insurer about accessory or custom equipment endorsements Keep receipts and photos of all upgrades for documentation Make sure your policy reflects the actual value of your bike and modifications 3. Canceling Coverage During the Off-Season Some riders cancel their policies in colder months to save money. But this can lead to coverage gaps, missed loyalty discounts, or even issues if the bike is stolen or damaged while in storage. What You Risk: No protection for theft, fire, or vandalism while your bike is parked Potential rate hikes or denial of continuous-coverage discounts Reapplication hassles or lapses in liability compliance What to Do Instead: Keep comprehensive-only coverage during off-season months Ask your insurer if they offer lay-up policies, which suspend collision/liability while maintaining theft/fire protection 4. Not Updating Your Policy After Major Life Changes Life changes—so should your insurance. Failing to update your policy could lead to denied claims or invalid coverage. Changes That May Affect Your Policy: New address or storage location Adding or removing riders Buying a new motorcycle Taking a motorcycle safety course Changing how often you ride (e.g., commuting vs. recreational) What to Do Instead: Review your policy annually Notify your insurer promptly of any updates Ask about new discounts you may now qualify for 5. Assuming Auto Insurance Covers Motorcycle Use Motorcycles and cars are insured under separate policies. Your auto insurance won’t transfer over if you decide to ride a friend’s bike or buy one on a whim. What You Risk: Riding uninsured and facing fines, license suspension, or worse Being held personally liable for damages or injuries in an accident What to Do Instead: Always have an active motorcycle insurance policy before hitting the road Consider non-owner motorcycle insurance if you frequently borrow bikes Never assume your coverage “follows you” like some aspects of auto insurance Bonus Tip: Bundle and Save Many insurers offer discounts if you bundle your motorcycle insurance with home, renters, or auto insurance. You may also save by: Completing a motorcycle safety course Maintaining a clean driving record Choosing a higher deductible Pro Tip: Ask your insurance agent to review your entire policy every year, not just the premium.  Final Thoughts: Ride Smarter, Not Just Harder Motorcycle insurance is more than just a legal requirement—it’s a vital part of protecting your bike, your finances, and your future. By avoiding these common mistakes, you’ll ensure that when you rev up, you’re doing it the right way—with full protection and peace of mind. Need help customizing your motorcycle policy ? Talk to a licensed insurance agent who understands riders’ unique needs and can match you with the right protection at the right price. At Priority Insurance LLC, we put our clients first by offering them policies that they can afford. Having insurance is a necessity nowadays, and we're here to help you out. Learn more about our products and services by calling our agency at (864) 297-9744 . You can also request a free quote by CLICKING HERE . Disclaimer: The information presented in this blog is intended for informational purposes only and should not be considered as professional advice. It is crucial to consult with a qualified insurance agent or professional for personalized advice tailored to your specific circumstances. They can provide expert guidance and help you make informed decisions regarding your insurance needs.​