Category: Auto Insurance

Many drivers have safety concerns when driving in strong wind or heavy rain. Riverside Insurance Agency Inc. professionals in Byram, MS, want you to stay safe in all weather conditions. We put together these driving tips to help you keep cool in rain, sleet, and high winds. Additionally, we can help you choose the right comprehensive auto insurance policy if needed!

Driving in Heavy Winds

Typically, a little wind won’t change driving conditions. However, strong winds caused by weather patterns can make driving tricky in Mississippi. In wide open spaces, wind can cause an even greater risk. Watch out for high wind conditions when driving over overpasses, through tunnels, and in densely forested areas.

Our insurance professionals recommend the following tips: First, anticipate gusts by nothing areas prone to strong winds. Second, watch out for recreational vehicles and tractor-trailers, which are susceptible to high winds. When the wind picks up, these vehicles might have difficulty remaining in their lanes around turns and curves. Finally, keep both hands on the wheel to maneuver easily as needed during a windstorm.

Driving in Heavy Rain

Heavy downpours can occur with little warning. This can cause poor visibility and hydroplaning for unaware drivers. During hydroplaning, your vehicle’s tires scale across the water and don’t directly touch the road surface. This makes it difficult to steer and break. However, these tips can help you stay safe.

Slow down before a slow drizzle becomes a torrential downpour. Driving slowly can prevent hydroplaning, and oil accumulates on the highway, making conditions slick when it rains. Additionally, you can stay on top of the weather, planning trips around rainstorms whenever possible.

We also recommend turning your headlights on when it rains. This will help you see more clearly and make your vehicle more visible to other drivers. Finally, we recommend adding space between yourself and the car in front of you. Having an extra couple of seconds May help you prevent an accident.

Safe driving can help prevent accidents, and comprehensive auto insurance gives you the coverage needed to pay for damage in case of an unforeseen accident. Contact the team at Riverside Insurance Agency Inc. in Byram, MS, to schedule an appointment today!

Choosing the perfect RV insurance policy can often seem like a Herculean task, which is precisely why Riverside Insurance Agency Inc. is here to simplify the process for Byram, MS residents. We strive to provide information that aligns you with the policies best suited for your needs. In an effort to impart wisdom about RV insurance and our role in assisting you, we’ve put together this comprehensive guide.

Navigating Garaging Addresses

Once upon a time, providing your home address was sufficient for insurance purposes. However, current trends have many RV owners providing multiple addresses to accommodate their various travels. Thus, it becomes vital to discuss your travel frequency and destinations when choosing a policy to ensure it aligns perfectly with your plans.

Understanding Toad Vehicles

In RV parlance, toad vehicles refer to automobiles towed along with the RV. Often overlooked during policy selection, it’s crucial to consider what would happen if an accident occurred while you are traveling. It’s essential to choose a policy that accounts for this possibility. A separate policy may occasionally be called for these vehicles to avoid footing astronomical damages.

What About Older RVs?

While newer RVs can be insured for full replacement value or something proximate, older RVs may not enjoy the same luxury. Owners usually go for a policy built around an agreed-upon value in such cases. Discussing them with an insurance provider becomes necessary to ensure you have complete clarity on your options.

If you are a Byram, MS resident looking for a top-tier RV insurance policy, we welcome you to contact Riverside Insurance Agency Inc. Our diligent team stands ready to answer your call and address your queries. Give us a call, or visit us to explore potential RV policies tailored to your specific needs.

Buying auto insurance for the first time in Byram, MS can be confusing. Learning how to read the parts of the policy is essential so you can understand your coverage. When you buy auto insurance from Riverside Insurance Agency Inc., our agents will work with you to determine coverage levels and help you understand your policy.

The Major Sections

When buying auto insurance, you’ll see several different types of coverage. Some are mandatory, while others are optional. Among the sections you will see are:

• Liability – for bodily injury and property damage
• Medical payments – provides coverage for medical and hospital treatment for injured passengers
• Uninsured/underinsured motorists – covers your medical expenses and sometimes
• Collision – pays for the damages to your vehicle when another one hits it
• Comprehensive – pays for damages caused by hitting an animal, object hitting or falling on your vehicle, and similar circumstances.

Mississippi requires all vehicle owners to have minimum liability coverage for bodily injury and property damage. Optional coverages are collision, comprehensive, and uninsured/underinsured motorists. Most policyholders have at least one optional coverage to provide peace of mind if an accident occurs.

Understanding Your Declarations Page

Policy owners will find a summary of their coverage information on the declaration page. You’ll see basic information such as the policy number, policy terms (usually 12 months), and the company and agency information. Other pertinent information includes your name, the make and model of your insured vehicle, including its VIN, the premium, and any applicable discounts. This page will also list coverage amounts for mandatory and optional coverage types.

Reach Out To Us

You can trust Riverside Insurance Agency Inc. in Byram, MS to provide quality auto insurance that will meet your needs. Contact us today to get started on your quote.

Riverside Insurance Agency Inc. knows that auto insurance isn’t a luxury. It’s the law.

Throughout Mississippi, all drivers must meet legally maintained auto insurance guidelines. Failing to do so could result in thousands of dollars in tickets, fines, and legal expenses. Or, even worse, it could result in a suspension of your driving privileges altogether. Not having insurance simply isn’t worth the risk.

That’s why Riverside Insurance Agency Inc. in Byram, MS works so hard to protect all motorists on the roadways. Our experienced agents can help. Below, their team breaks down the two minimum auto insurance requirements for the state of Mississippi.

Minimum Auto Insurance Requirements

Bodily injury liability

Liability is a core component of any insurance policy. Motorists in The Magnolia State are no exception. If an accident does occur and you are found to be at fault, bodily injury liability is vital. This covers any costs related to physical harm or injuries to others. At least $25,000 in bodily injury protection is required for a single person. For more than one person involved in the accident, state law mandates a combined amount of $50,000 in coverage.

Property damage liability

This is another form of liability that applies to possessions or property rather than an individual. Car damage is the primary use. But property damage liability also protects against the destruction of fences, mailboxes, sheds, and other structures. Mississippi drivers must maintain at least $25,000 in property damage liability per accident.

Get The Right Coverage Today

Minimum auto insurance is rarely sufficient. While these components will keep you compliant, they likely won’t adequately cover serious accidents. Serving the greater Byram, MS community, Riverside Insurance Agency Inc. can craft a personalized policy that better protects you, your family, and your assets. Schedule an appointment today.

Anyone that is in the Byram, MS area will learn that having a vehicle is a necessity in many cases. If you choose to buy a vehicle in this area of the state, you will need to get proper insurance for it. There are a few reasons why you will need to have an auto insurance plan when you are in this area of the state. 

Coverage for your Car

A key reason that you should get this insurance in this area is to get coverage for your car. If you are going to purchase a vehicle, you will be acquiring a major asset that you will want to use for a while in the future. A great way to ensure this happens is by getting a full insurance plan with collision and comprehensive coverage. This will give you protection for a range of losses, including if the car is damaged or stolen.

Remain in Compliance

You should also get an auto insurance plan if you want to remain in compliance with your obligations. If you intend to purchase a car and take out a loan, you will be required by your auto lender to carry insurance. Also, you will need to at least have liability insurance if you want to drive your vehicle on a public road in this state. Having coverage can help ensure this compliance. 

When you are in the Byram, MS area, you are going to want to know that you are selecting a quality auto insurance plan. When you are assessing your various insurance needs here, it can be a good idea to call Riverside Insurance Agency Inc. There are a lot of choices that you need to make and Riverside Insurance Agency Inc. can help you evaluate your options.