Category: Insurance

Investing in appropriate liability protection for your recreational boat is a wise move. Here, we look at some instances where liability insurance coverage will benefit a boat owner. For further assistance with tailored boat insurance policies, please get in touch with one of our Infinity Insurance Group agents.

Injuries Onboard

When people join you onboard your boat, there is always a risk of potential injuries, which could be impacted by the type of recreational activities undertaken. Such injuries might necessitate medical attention. A suitable liability insurance plan can provide you with financial respite in such situations. The coverage may reimburse medical bills you are obliged to handle resulting from injuries sustained by someone aboard your boat.

Watercraft Accidents

Navigating water bodies on your boat, you may encounter fellow boaters. The operation mode of your boat plays a significant role in whether or not you get embroiled in an accident.

Regardless of how safely you operate your boat, you risk getting caught in an accident caused by another boater. Here is where liability protection shields you. If an accident occurs and it is determined that you are at fault, the coverage will handle the costs you accrue. This safeguard ensures your legal compliance while you operate your recreational boat.

Issues During Transportation

If your plans involve towing your boat, adding liability protection to your insurance policy may be appropriate. The coverage extends protection against accidents occurring while you are towing your watercraft.

Modifying your Idaho Boat Insurance

Having gone through some key information about liability protection, if you feel the need to update your current boat insurance policy, our agents, serving the Post Falls, ID region, are ready to assist you. They can successfully incorporate the required liability protection into your prevailing policy.

Watercraft insurance isn’t required in every state. The state of Idaho doesn’t require boat owners to carry watercraft insurance. However, you may still be required to carry it in some situations. Our team at Infinity Insurance Group is here to help Post Falls, ID residents navigate watercraft insurance and get the coverage they need. 

What is watercraft insurance?

Watercraft insurance includes insurance coverage for boats, yachts, and personal watercraft with motors with horsepower that meets or exceeds 25 mph. This insurance is designed to provide coverage for accidents that result in injuries to others, as well as coverage for damage you cause to other people’s property. This insurance also provides coverage for you if you are hurt or your watercraft is damaged by someone without insurance. You receive both liability protection and protection for yourself and your watercraft if an uninsured person damages your boat. 

Do I need watercraft insurance to use a marina?

Although watercraft insurance isn’t a legal requirement, it may be required to use certain marinas. Many watercraft owners would be unprepared to pay for damage to someone else’s watercraft or bodily injuries to others caused by an accident where you’re at fault. As a result, many marinas require boat owners to carry watercraft insurance to cover any bodily injuries or damage to their marina and other watercraft. Although watercraft insurance mayn’t be a state requirement, it may be required in different situations, including docking and using marinas and watercraft owners with boat loans. Lenders usually require watercraft insurance for watercraft owners who are financing their watercraft. If you have questions regarding watercraft insurance, we’d happily answer them. Call us. 

Navigating the twists and turns inside Idaho’s health insurance landscape can be daunting. Trusted professionals at Infinity Insurance Group in Post Falls, ID, can help! 

Five Tips for Navigating Idaho’s Complex Health Insurance Landscape

#1. Research Plans 

The first step to choosing the right Idaho health insurance policy for you and your family is to research available health insurance plans to compare costs, features, and benefits. A trusted insurance agent can help you understand the complexities of premiums, deductibles, and co-pays. 

#2. Understand Coverage Options 

Make sure you clearly understand what services and procedures are and aren’t covered under your new insurance plan before completing enrollment. Familiarize yourself with policy terms and choose policies that offer coverage for services, providers, and procedures you and your family will likely use. 

#3. Stay In-Network

In-network and out-of-network coverage can vary drastically. Avoid having to visit out-of-network providers by learning which providers offer the services you need and choosing the plan that aligns with your family’s needs 

#4. Use Preventative Care Services 

The best health insurance plans in Idaho include provisions for preventative services for regular health screenings and wellness visits that can help prevent and detect the onset of early illness. 

#5. Update Your Coverage Annually 

As life changes, so can your healthcare needs. Idaho health insurance policyholders need to review their existing policies each year during open enrollment and make changes or updates as needed. 

Health Insurance Professionals in Idaho

Choosing the right Idaho health insurance policy doesn’t have to be complicated. Contact the licensed and knowledgeable professionals at Infinity Insurance Group in Post Falls, ID, to learn more about your options for coverage and get a free quote! 

If you’ve just purchased a new boat, you’re probably very proud. Nothing can be more exciting, as well as relaxing than taking your boat out on the water to fish and participate in other activities. You might have some questions about which types of boats require insurance and more. Infinity Insurance Group in Post Falls, ID is happy to assist.

What Types of Boats Require Insurance?

In most states, including Post Falls ID, boat insurance is optional. This is true regardless of the type of boat. You don’t necessarily need boat insurance, but insuring your boat is always a good idea. You can never predict when an event might occur that damages your boat, requiring it to undergo repairs. You could also have passengers aboard who need medical attention after an incident has occurred that caused them to become injured. 

Do You Use Your Boat Frequently?

If you use your boat on a regular basis, it’s a good idea to insure it because the more you use it, the more likely it is to sustain some type of damage or become involved in an accident. Having insurance can prevent you from needing to pay out of pocket for repairs or the medical bills of injured individuals. So, you really should consider boat insurance if you use your boat frequently. 

Consult With Us

As you can see, boat insurance isn’t required in Idaho, so if you live in Post Falls, ID and you’re in need of a new insurance company, you should consider Infinity Insurance Group. We pride ourselves on providing the absolute best customer service as well as coverage. Give us a call today, so we can provide you with a quote and answer any questions that you may have before getting your policy started. 

When you read an article talking about types of health plans, you might think we mean HMO or PPO. Most people think of health insurance as the major medical plan that their employer provides, but it also includes dental, vision, prescription drug plans, etc. Infinity Insurance Group offers an array of plan types to help you cover your medical care in Post Falls, ID.

Supplemental Health Plans

Supplemental health plans include any type of excess insurance or secondary coverage. Supplemental Medicare coverage that provides for doctor’s visits or prescription coverage counts as health insurance. When you add vision coverage or a dental plan to your health insurance package, the insurance industry also considers this health coverage.

Sometimes, an individual may add a second health plan that provides major medical coverage. This may be because their workplace plan lacks the coverage they need or so they can access added coverage limits for hospitalization. Although rare, Infinity Insurance Group can help you obtain a second full policy.

Other Types of Health Coverage

Long-term care (LTC) coverage also counts as health coverage. It provides for long-term hospitalization or rehabilitative care at a residential facility. You can purchase this type of secondary policy with a primary health insurance policy.

Contact Our Office Today

Contact Infinity Insurance Group serving Post Falls, ID to review your health insurance plan. Discuss your concerns, such as ensuring that your children won’t need to try to care for you in old age. LTC insurance can cover that. Let us know what your employer’s plan covers, and we can help you fill in what’s missing, like dental coverage. Call us today to get started.

In Post Falls, ID, no law states boat owners must have boat insurance. However, it is wise to look into whether the boat is on or off the water. The point of getting insurance is to handle the cost of replacements or repairs in the event of accidents or damaging misfortunes. 

Boats are not cheap and are a prize possession for their owners. Companies like Infinity Insurance Group can create policies to protect those prized possessions. The underwriters can specify scenarios that favor boats on and off the water.

Protection for Boats On the Water

On the water, the Coast Guard reported over 4,000 boating accidents in 2022. Since it is optional for boat owners in Idaho to have boat insurance, all damages from accidents are at the owners’ expense if they do not have it. 

Some companies that finance boats may require the owners to get insurance to protect the collateral. Having boat insurance can cover the owner from most out-of-pocket costs in an on-the-water accident.

Protection for Boats Off the Water

Things can become tricky when it comes to off-the-water damage to a boat. If the boat sits idle on the owner’s property, the property insurance may or may not cover damages. The same applies to the boat attached to the trailers on the vehicles if an accident occurs. There is only one positive answer if damage occurs to a boat off the water: to check with the insurance company policy.

Infinity Insurance Group Can Help

Every situation is different and requires inquiries into the details of coverage. Never assume a situation that is covered. The only sure way to know is to speak with us at Infinity Insurance Group, serving the Post Falls, ID area. Call us today and find out more information. 

When it comes to picking a health insurance plan, you might think all you need to compare are deductibles and premiums. The truth is, there are actually a lot of different types of benefits offered by different companies. Being aware of some of the benefits can help you make the insurance choice that is right for your family. At Infinity Insurance Group, serving Post Falls, ID and the surrounding area, we are here to help you make solid insurance choices.

Here are some health insurance benefits you might be unaware of:

Gym Memberships

Insurance companies know that to keep insurance and health care costs low individuals need to take personal responsibility for their health. This includes preventative steps such as staying active on a weekly basis. This is why many health insurance plans today are offering free or discounted gym memberships for clients. This is a great way to stay on top of your personal health and save money. 

Kids Programs

Another important aspect of health is to ensure that children are getting the activities and socialization they need. This is why some health insurance programs offer free or discounted memberships to kids programs. These can include Boys and Girls Clubs of America, YMCA programs, and even certain sporting programs. Be sure to check out great hidden benefits such as these when comparing plans. 

Mail Order Perscriptions 

Mail-order prescriptions are a great way to simplify your life and always ensure you have your meds when you need them. Many health insurance plans offer free or discounted mail-order prescription services. 

Give Us A Call

If you would like to learn more about health insurance, please contact us at Infinity Insurance Group serving Post Falls, ID and the surrounding areas. We will be happy to help you today.

Unless your job provides you with health insurance, you either purchase your policy during the open enrollment period or when a qualifying event occurs. Infinity Insurance Group wants you to fully understand your insurance options, so you can obtain the coverage you need.

When Can I Buy Health Insurance?

When You Start a New Job

When a new employer hires you, it provides health insurance through a group plan. You’ll typically have the same insurance plan as every employee at your place of business. The number of people covered by your policy varies. If you’re single, it only covers you. If you’re married or have children, you can typically add your spouse and/or your children to your health insurance policy. When you start your job, your employer provides the insurance paperwork that you must complete and submit by the due date. Signing up for your policy comprises one element of your onboarding process.

Open Enrollment

While the exact dates for open enrollment vary from week to week, typically, the US holds this during November, December, and the first two weeks of January. For the coverage year 2023, open enrollment begins on November 1, 2022, and ends on January 15, 2023. If your Post Falls, ID employer doesn’t offer health insurance because you’re a part-time employee or the business employs too few people to require it, you can sign up for insurance during open enrollment.

Qualifying Events

Perhaps your employer fired you or you got laid off. That ended your employer-provided health insurance. However, you don’t have to wait until November to purchase insurance because losing your existing health coverage qualifies as an event that lets you register for a plan at the time of the event. Even if you lose your job during the month of June, you get to purchase your health insurance policy in June. Other events that qualify you for a Special Enrollment Period that only applies to you, include marriage, pregnancy, delivering a baby, and adoption.

Medicaid and CHIP

The government-provided health insurance programs of Medicaid and Children’s Health Insurance Program (CHIP) offer running open enrollment. That means you can apply for either program for which you qualify at any time of the year.

Contact Infinity Insurance Group Today

Let Infinity Insurance Group help you obtain the health insurance you need. Call us, email us, or visit us at our offices. We offer health insurance that can help Post Falls, ID residents stay healthier.

If you live in Post Falls, ID and love spending time on the water, you’re not alone. Idaho is home to some of the most beautiful lakes and rivers in the country, which makes it a popular destination for boaters of all stripes. But before you can enjoy yourself out on the open water, Infinity Insurance Group encourages you to make sure you have the proper insurance coverage in place.

What Types of Watercraft Are Covered?

In Idaho, boat insurance typically covers any type of motorized vessel that can be used for recreation or transportation purposes. This includes everything from small personal watercraft like Jet Skis and Sea-Doos to larger boats like pontoon boats, fishing boats, and even yachts. Basically, if it floats and has a motor, there’s a good chance it can be covered by boat insurance.

What Does Boat Insurance Cover?

Most boat insurance policies provide some combination of property damage coverage, liability coverage, and medical payment coverage. Property damage coverage will protect your boat (and any attached accessories) in case of an accident or other covered event (like theft). Liability coverage will protect you financially if you’re found responsible for damage or injuries caused by your boat. And medical payment coverage will help cover the cost of treatment for anyone who is injured while on board your vessel.

Questions? Contact Infinity Insurance Group

Post Falls, ID is a great place to live if you are a boating enthusiast. But before you hit the water, it’s important to make sure you have adequate boat insurance coverage in place. In Idaho, most types of motorized watercraft are eligible for boat insurance coverage, including property damage protection, liability protection, and medical payment coverage. 

As if it wasn’t stressful enough to have to choose which health insurance to get every year, you have to understand a bunch of insurance terms and managed care. It is a lot for anyone who isn’t an insurance professional. At Infinity Insurance Group in Post Falls, ID, we do understand all the health insurance terms and we are here for you to make choosing the right policy easier for you.  

Types Of Managed Care

HMO (Health Maintenance Organization)

An HMO is the most popular type of managed care but it is also the most restrictive. The organization has a network of providers that the members must use. From those providers, you must choose a primary care physician who will manage your care. Make sure before you choose an HMO that your preferred primary care physician is in their network. In order to see a specialist, you will need to have a referral. The only time you can go outside the network is in the event of an emergency. 

PPO (Preferred Provider Organization)

In this type of managed care, you don’t need to have your care managed by a primary care physician. You can see a specialist without getting a referral. You will pay more to go outside the network, but that is a choice you are allowed to make. This type of coverage allows the most freedom. 

POS (Point of Service)

A POS is a combination of HMO and PPO. It is like an HMO in the fact that you need to have a primary care physician and you need to get a referral to visit a specialist. But like a PPO, you have some overage if you go outside of the network. 

Contact Infinity Insurance Group in Post Falls, ID to get the personalized service that only an independent insurance agent can provide.