Being involved in a hit-and-run accident is frustrating and frightening—es pecially if you're on a motorcycle. These incidents often leave the rider injured and the bike damaged, with no responsible party to hold accountable. What’s worse? You may discover too late that your motorcycle insurance policy doesn’t cover hit-and-run accidents. If that happens, don’t panic. There are steps you can take to protect yourself, manage the situation, and prepare better for the future. Understanding the Coverage Gap Motorcycle insurance typically includes several coverage options, such as: Liability coverage – required by law and covers damage or injuries you cause to others. Collision coverage – pays for repairs to your bike after an accident, regardless of fault. Comprehensive coverage – covers non-collision incidents like theft, fire, or weather damage. Uninsured/Underinsured Motorist (UM/UIM) – covers your injuries and sometimes property damage if you're hit by someone with no or inadequate insurance. However, not all motorcycle policies include UM/UIM coverage, and even when they do, not all states require it to apply to hit-and-run accidents—especially for property damage. What to Do Immediately After a Hit-and-Run on Your Motorcycle Call 911 and Get Medical Help Your health comes first. Even if injuries seem minor, adrenaline may mask pain or trauma. File a Police Report This is crucial for both legal and insurance purposes. Provide as many details as possible about the vehicle and driver. Document the Scene Take photos of your bike, injuries, road conditions, and surrounding area. Look for skid marks, debris, or any identifying details. Check for Witnesses or Surveillance Cameras Nearby businesses, traffic cameras, or bystanders may have captured the incident. Contact Your Insurance Provider Even if your current policy doesn’t cover hit-and-runs, reporting the incident ensures your insurer has it on file and can explore other coverage options. What If You’re Not Covered? If your motorcycle insurance policy doesn't include coverage for hit-and-run accidents, you still have a few potential options: 1. Use Collision Coverage (If You Have It) Collision coverage may help pay for damage to your bike, even if the other driver can’t be identified. 2. Use Health Insurance for Injuries If you’re injured and UM coverage isn’t available, your personal health insurance may help with medical expenses. 3. Explore Victim Compensation Programs Some states offer financial aid for victims of crimes, including hit-and-run incidents. Check with your state’s program. 4. Talk to an Attorney If evidence can identify the driver or if your policy was misrepresented at the time of sale, legal advice may help recover damages or file a claim. How to Protect Yourself Going Forward Add or Increase Uninsured/Underinsured Motorist Coverage This coverage is often optional for motorcycles but extremely valuable in a hit-and-run or no-insurance scenario. Ask A bout UM Property Damage (UMPD) Not all UM policies co ver property damage; verify and add it if available. Carry Collisio n Coverage While it won't help with bod ily injury, collision coverage can still protect your bike in a hit-and-run. Review Your Policy Annually Make sure your co verage reflects your riding habits, bike value, and real-world risks. Consid er a Dash Cam for Motorcycles A helmet or bike-mo unted camera can provide critical evidence if another driver flees the scene. Final Thoughts Getting into a hit-and-run accident is bad enough—finding out you’re not covered can make things worse. But knowing your options and acting fast can help minimize the damage and prevent future gaps. Talk to your insurance agent regularly, understand your coverage details, and take proactive steps to stay protected. Because on the road, you can't control what other drivers do—but you can control how prepared you are when they do the wrong thing. 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.​

Your home is one of your most valuable assets, and protect ing it goes beyond locking the doors or installing a security system. Home insurance is a vital safety net that shields you from the financial fallout of unexpected events like fire, theft, or natural disasters. But not all home insurance is the same—and understanding the different types of protection available is essential for choosing the right policy. In this guide, we’ll break down the main types of home insurance coverage, what they protect, and why each one plays an important role in safeguarding your property and peace of mind. 1. Dwelling Coverage (Coverage A) What it covers: This is the core of any homeowners insurance policy. Dwelling coverage pays to repair or rebuild your home’s structure if it’s damaged or destroyed by a covered peril—such as fire, hail, windstorm, or vandalism. Includes: Walls, roof, flooring Built-in appliances and fixtures Attached structures like garages or decks Why it matters: Without this protection, you could be left paying tens or hundreds of thousands of dollars out of pocket after a disaster. 2. Personal Property Coverage (Coverage C) What it covers: This protects your belongings inside the home, including furniture, electronics, clothing, and more—whether the damage occurs inside your home or even outside (like items stolen from your car). Includes: Theft, fire, or storm damage Items stored off-premises (to a limited extent) Some high-value items (with limits) Tip: Consider adding scheduled personal property coverage for high-value items like jewelry, artwork, or collectibles that exceed standard policy limits. 3. Liability Protection (Coverage E) What it covers: Liability coverage protects you if someone is injured on your property or if you accidentally cause damage to someone else’s property. Includes: Medical expenses for injured guests Legal fees if you’re sued Damage caused by pets (depending on breed and insurer) Why it matters: Lawsuits and medical bills can be financially devastating. Liability insurance offers critical protection against unexpected legal costs. 4. Loss of Use / Additional Living Expenses (Coverage D) What it covers: If your home becomes uninhabitable due to a covered event, this coverage pays for temporary living expenses like hotel stays, meals, and transportation. Why it matters: You won’t have to worry about extra costs while your home is being repaired or rebuilt. 5. Other Structures Coverage (Coverage B) What it covers: This pays to repair or replace detached structures on your property, such as: Sheds Fences Detached garages Guest houses Why it matters: These structures are part of your property—and without this coverage, damage could be costly to repair on your own. 6. Additional and Optional Coverages Depending on where you live and your specific needs, you might consider adding these types of coverage: Flood Insurance – Standard homeowners insurance does not cover flood damage. This must be purchased separately (often through FEMA’s National Flood Insurance Program). Earthquake Insurance – Not included in most policies and must be added in high-risk areas. Water Backup Coverage – Covers damage from backed-up drains or sump pump failures. Identity Theft Protection – Some insurers offer monitoring and recovery services as an add-on. Final Thoughts Understanding the different kinds of home insurance protection empowers you to make informed decisions—and avoid coverage gaps that could cost you dearly in the future. From the structure of your home to your personal belongings and legal liability, each component of your policy plays a crucial role. Your home is more than a place—it’s your foundation. Make sure it’s properly protected. 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.​

Reaching the 200,000-mile mark is a major milestone—and a testament to smart ownership and regular maintenance. With today’s automotive technology, it’s not uncommon for well-cared-for vehicles to keep running smoothly for decades. But hitting that high mileage requires more than luck—it takes consistency, attention to detail, and proactive planning. Just as importantly, maintaining proper auto insurance coverage is essential—even if your car is older or paid off. Here's how to keep your high-mileage vehicle in peak condition while ensuring you're still protected on the road. Proven Tips to Keep Your Car Going Strong 1. Stick to a Strict Maintenance Schedule Follow your manufacturer’s maintenance intervals religiously, including: Oil and filter changes every 3,000–7,500 miles Coolant flushes Transmission fluid replacements Brake inspections and fluid checks Regular service extends the life of your engine, transmission, and critical systems. 2. Don’t Ignore Warning Signs That check engine light, unusual noise, or fluid leak isn’t just an inconvenience—it’s a warning. Address small issues promptly to avoid costly repairs later. 3. Use Quality Parts and Fluids Opt for OEM (Original Equipment Manufacturer) or high-quality aftermarket parts, especially for major components. Using the right oil viscosity and premium fluids can make a noticeable difference in performance. 4. Monitor Tire Health and Alignment Rotating your tires every 5,000–7,500 miles and maintaining proper alignment can improve fuel efficiency, prolong tire life, and reduce strain on suspension components. 5. Drive Gently Hard acceleration, frequent short trips, and excessive idling all contribute to engine wear. Smooth, conservative driving habits reduce stress on the vehicle and improve longevity. 6. Keep It Clean Rust and corrosion can creep in over time—especially in regions with harsh winters. Wash your car regularly (including the undercarriage), and consider applying rust protection to vulnerable areas. Why Auto Insurance Is Still Important—Even After 200,000 Miles Some drivers are tempted to reduce or drop coverage on older vehicles to save money. While it’s true that you may not need full coverage on a lower-value car, auto insurance remains essential—no matter how many miles are on the odometer. Here’s why: 1. Liability Insurance Is Legally Required Even if your car isn’t worth much, you’re still responsible for damages or injuries you cause in an accident. Liability insurance covers these expenses—and is required in most states. 2. Uninsured/Underinsured Motorist Protection If you’re hit by someone who doesn’t have enough insurance (or any at all), this coverage helps pay for your medical bills and property damage. 3. Collision and Comprehensive May Still Be Worth It If your car still has substantial value—or if you rely on it heavily—you may want to keep collision and comprehensive coverage for protection against: A ccidents Theft or vandalism Natural disasters (hail, flooding, etc.) 4. Peace of Mind Even if your vehicle is older, being involved in an accident without insurance can lead to legal trouble, out-of-pocket costs, and financial hardship. Auto insurance helps protect you from the unexpected. Final Thoughts Reaching 200,000 miles is an impressive achievement—but keeping your car running smoothly beyond that takes dedication and smart planning. Regular maintenance, quality parts, and cautious driving are key ingredients. And while your car’s value may decrease over time, the importance of auto insurance never does. Protect your ride. Protect your wallet. And drive confidently—mile after mile. 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.​

The future of two-wheel transportation is electric — and it’s arriving faster than you think. Electric motorcycles (e-motorcycles) have surged in popularity, offering eco-conscious riders a sleek, high-performance alternative to traditional gas-powered bikes. But how do they really compare? From speed and torque to maintenance and range, electric and gas-powered motorcycles offer distinct advantages depending on your riding style and priorities. Electric vs. Gas: A Side-by-Side Comparison 1. Acceleration & Speed Electric bikes deliver instant torque and smoother acceleration, making them especially nimble in city traffic. Some high-end models rival — and even outperform — their gas-powered counterparts in 0–60 mph times. 2. Maintenance E-motorcycles require far less maintenance — no oil changes, spark plugs, or air filters to replace. Fewer moving parts also mean fewer opportunities for mechanical failure. 3. Cost of Ownership While electric bikes can have a higher upfront cost, riders often save on: Fuel (electricity is cheaper than gas) Routine maintenance Tax credits or incentives in some regions 4. Range & Charging Range is improving but still lags behind gas motorcycles. Top electric bikes now offer 100–200+ miles per charge, depending on usage and battery size. Charging infrastructure is growing, but not yet as widespread as gas stations. 5. Environmental Impact Electric motorcycles have a lower carbon footprint, produce no tailpipe emissions, and operate more quietly — making them a cleaner, quieter option for urban and suburban riders. Why Motorcycle Insurance Is Still a Must — Electric or Not Whether you ride electric or gas, motorcycle insurance is critical for financial protection. It covers liability if you’re at fault in an accident, pays for damage to your bike, and can include medical expenses, theft, and roadside assistance. Electric motorcycles often have high repair or battery replacement costs, which makes having the right coverage even more important. In many states, motorcycle insurance is legally required — and having the right policy ensures that you’re protected against the unexpected, no matter what powers your ride. Final Thoughts: Choose Your Ride, Cover Your Risks Electric motorcycles are rewriting the rules of performance and efficiency on two wheels. While they may not fully replace gas bikes just yet, they’re carving out a strong niche with exciting benefits and rapidly advancing technology. No matter which engine you choose, the key to a confident ride is pairing your passion for the road with reliable motorcycle insurance. 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.​

In business, disruptions can strike at any time — whether it’s a fire, flood, supply chain issue, or other unexpected event. When operations come to a halt, revenue often does too. That’s where Business Income Insurance, also known as Business Interruption Insurance, becomes a critical part of your protection plan. It’s not just about covering losses — it’s about giving your business the financial breathing room it needs to survive downtime and bounce back stronger. What Is Business Income Insurance? Business income insurance is a type of coverage that replaces lost income if your business is unable to operate due to a covered peril such as: Fi re or smoke damage Storm or wind damage Theft or vandalism Certain equipment failures Water damage (non-flood rel ated) This coverage typically kicks in when physical damage causes your business to temporarily shut down or significantly reduce operations. What Does It Cover? Business income insurance helps cover your: Lost revenue during the period of restoration Ongoing operating expenses, such as rent, payroll, and utilities Loan payments or lease obligations Temporary relocation costs, if you need to move to a new location to resume operations Some policies also offer extra expense coverage, which reimburses you for costs related to minimizing downtime — like renting temporary equipment or outsourcing services. Note: Business income insurance typically works as an add-on to a commercial property policy or a Business Owner’s Policy (BOP) and requires a direct physical loss to trigger coverage. What It Doesn’t Cover While business income insurance is powerful, it doesn't cover every situation. Common exclusions include: Flood da mage (typically requires separate flood insurance) Earthquake damage (unless added by endorsement) Pandemics or government-mandated shutdowns (unless explicitly included) Undocumented income or revenue projections Utility service interruptions unless specifically added Always review your policy closely and speak with an insurance advisor to understand what’s included — and what’s not. Why It Matters: Real-World Impact of Business Interruption Imagine your retail store is damaged in a fire, forcing you to close for three months. Without business income insurance, you’re responsible for rent, payroll, and vendor payments — all while generating zero revenue. This financial strain could permanently close your business. With business income insurance in place, your insurer helps cover those losses, allowing you to: Retai n employees during downtime Maintain financial commitments Preserve customer relationships Reopen your doors with confidence  Who Needs Business Income Insurance? Business income insurance is highly recommended for: Retail stores an d restaurants that rely on daily foot traffic Service-based businesses with physical locations (e.g., salons, dental offices) Manufacturers or wholesalers that depend on equipment or supply chains Professional offices that cannot easily operate remotely Any small to midsize business with recur ring overhead expenses If your business can’t easily “go remote” or bounce back quickly from a disaster, business income insurance can be a lifesaver. Ensuring Continuity and Resilience A comprehensive insurance strategy — including business income coverage — is essential for business continuity planning. It provides a financial cushion that helps reduce recovery time and protects your brand, reputation, and long-term viability. Paired with proper risk management, business income insurance helps ensure your business can: Abs orb short-term losses Protect jobs and vendor relationships Continue serving custo mers after the crisis Final Thoughts: Prepare Now, Survive Later Disasters don’t wait until it’s convenient — but being prepared can make all the difference. Business income insurance gives you the tools to survive the unexpected and stay focused on the future. Think of it as an investment in your business’s resilience, allowing you to operate with greater confidence no matter what comes your way. 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.​

A well-organized playroom or child’s bedr oom doesn’t just make your home look neater — it also creates a more peaceful, engaging environment for kids to play, learn, and grow. When everything has its place, children can enjoy their space with less stress and more independence. And let’s be honest — a little organization can save parents hours of cleanup time and help prevent accidents like tripping over toys or misplaced items. Top Tips for Organizing Toys and Play Spaces Whether you have a dedicated playroom or a corner of the living room, these simple tips can help transform chaos into calm: Sort and Declutter Regularly Start by grouping toys into categories — blocks, books, dolls, art supplies, etc. Then donate or store anything that’s broken, outgrown, or rarely used. Use Clear or Labeled Bins Transparent storage or picture labels help kids (and adults) know exactly where things belong. Bonus: it makes clean-up easier for little ones who can't read yet. Create Zones by Activity Designate areas for different types of play — like a reading nook, building zone, or arts and crafts table. This supports creativity and keeps toys from blending into one giant mess. Rotate Toys Keep some toys in storage and rotate them in and out to maintain interest and reduce clutter. Fewer toys available at one time can actually lead to more focused play. Make Use of Vertical Space Install wall shelves, hanging baskets, or over-the-door organizers to maximize small areas. Get Kids Involved Teach children to clean up as part of their routine. Make it a game or use visual charts to make it more fun and engaging. Why Home Insurance Still Matters — Even in the Tidiest Room While organizing your home enhances safety and comfort, it’s important to remember that home insurance is your financial safety net in case something unexpected happens — like fire, water damage, theft, or severe weather. Whether it’s a playroom full of toys or a nursery you’ve poured your heart into, your home insurance policy can help cover the cost of repairs and replace personal belongings. Be sure to keep an updated inventory of items (especially valuable ones like gaming systems or specialty toys), so your coverage reflects your current lifestyle and setup. After all, you’ve worked hard to create a space your family loves — it’s worth protecting. Final Thoughts: Organized Spaces, Happier Faces A clutter-free play area doesn’t have to be Pinterest-perfect — it just needs to work for your family. With a few clever strategies and a bit of consistency, you can keep kids’ spaces tidy, functional, and fun. And while you’re investing in a more joyful home life, don’t forget to protect that space with the right home insurance coverage, too. 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.​

From hailstorms and flash floods to hurricanes and wildfires, extreme weather events are becoming more frequent and more intense across the country. For drivers, that means more than just navigating dangerous roads — it means facing potential damage to their vehicles and unexpected insurance claims. Understanding how your car insurance policy responds to extreme weather is key to protecting your vehicle, your finances, and your peace of mind. What Types of Weather Damage Are Covered by Car Insurance? The good news: many extreme weather events are covered by your car insurance — but only if you have the right type of policy. ✅ Comprehensive Coverage (a must-have for weather-related damage) This optional coverage pays for damage to your vehicle caused by events other than a collision, including: Ha il and wind damage Flooding and flash floods Falling trees or debris during a storm Fire and wildfires Earthquakes (in some cases) Lightning strikes Theft or vanda lism (often more common during disasters) Note: Comprehensive coverage is not required by law, but if you’re financing or leasing your car, your lender likely requires it. Liability-Only Coverage Liability insurance — which is legally required in most states — covers damage you cause to others, but not damage to your own vehicle, including from weather events. Special Considerations for Flood Damage Flooding is one of the most common and costly forms of weather-related vehicle damage — and it’s only covered under comprehensive insurance. Water can cause irreversible damage to your car's electrical system, engine, and interior. If your vehicle is submerged or flooded during a storm: Do no t attempt to drive it. Contact your insurer as soon as it is safe to do so. Take photos of the damage for documentation. Your car m ay be declared a total loss depending on the extent of water damage. Before the Storm: Smart Steps to Protect Your Vehicle Proactive measures can reduce risk and make claims smoother: Ch eck your coverage before storm season to ensure comprehensive protection is in place. Park in a garage or covered area during storms, when possible. Avoid driving through floodwaters, even if they appear shallow. Secure loose outdoor objects that could become airborne and damage vehicles. Know your deductible and how much you’ll be responsible for if you need to file a claim. Filing a Weather-Related Insurance Claim: What to Expect If your vehicle is damaged by an extreme weather event: Co ntact your insurer promptly to start the claims process. Provide photos or videos of the damage if it’s safe to do so. Review your policy’s deductible and limits to understand your financial responsibility. Some insurers may dispa tch adjusters quickly during widespread disasters to handle claims in bulk. Tip: If your area experiences a major weather disaster, repair shops may be backed up — the sooner you file, the faster your vehicle can be assessed and repaired. Is Extreme Weather Changing How Car Insurance Works? Yes. As storms become more frequent and severe, insurers are adjusting how they evaluate risk and price policies. In high-risk areas, you might see: H igher premiums for comprehensive coverage Stricter underwriting standards More detailed require ments for vehicle storage or safety precautions Staying informed and adjusting your coverage accordingly helps you stay ahead of these changes and avoid costly surprises. Final Thoughts: Weather the Storm with the Right Protection You can’t control the weather, but you can control how well you’re protected when it strikes. Having comprehensive car insurance is essential for covering weather-related damage, especially in regions prone to hurricanes, hail, flooding, or wildfires. Reviewing your policy annually and staying proactive before storm season can help ensure you’re not left out in the rain — financially speaking. 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 it comes to insuring your vehicle, whether it's a motorcycle or a car, it’s essential to understand that motorcycle insurance and auto insurance are not created equal. While both types of coverage provide protection in the event of an accident or damage to your vehicle, there are distinct differences between the two that can affect how much you pay, what you're covered for, and what kind of risks you're insured against.

In today’s competitive business landscape, customer service has become the cornerstone of success. While offering high-quality products or services is essential, how you treat your customers can make all the difference. A key to creating exceptional customer experiences is empathy—the ability to understand and share the feelings of others. When businesses approach customer service with empathy, they build trust, foster loyalty, and turn customers into advocates.