During the summer, insurers see an increase in the number of certain types of insurance claims. To help you avoid the hassle and danger associated with these warm weather mishaps, Kirk Insurance Agency, a respected provider of affordable insurance quotes, discusses the most common of these and how you can avoid the necessity of such claims yourself. This information should help you stay safe and sound even as you take advantage of the activities available this summer.

4 Common Insurance Claims During Summer

1. Motorcycle Accidents

Summer is the ideal season to hit the open road astride a motorcycle. However, more bikes on the road mean an uptick in accidents, injuries, and damaged machines. To stay safe, always wear a helmet. Ride defensively and leave plenty of space between you and other vehicles. Don't make sudden maneuvers, and never ride while sleepy, intoxicated, or distracted. Lastly, remember that under Texas car insurance law, all registered motorcycles must maintain liability coverage to operate on the road.

2. Summer Storms

Summer storms in Texas are often violent, and house damages usually result from wind and moisture penetrating the roof and siding. To minimize this, make sure your roofing is in top shape, and your siding has no gaps or vulnerabilities. 

3. Boating Mishaps

It is extremely relaxing to spend a day at the lake, boating, fishing, skiing, or simply enjoying the water. To avoid problems, stay sober when operating a watercraft, always check the weather before departing, and don't engage in risky behavior. If you do not currently have boat coverage, request a boat insurance quote to protect your passengers and your investment.

4. Off-Road Accidents

Off-road safety is just as imperative as boating safety. Wear protective gear, make sure all operators have completed an ATV safety class, and avoid paved roads. Most all-terrain vehicles do not have the mirrors or lights required to operate on state roadways safely.

A number of insurance claims arise each summer as a result of outdoor leisure activities. To protect yourself while boating, biking, or off-roading, contact Kirk Insurance Agency for an insurance quote. They can also help you choose the right insurance coverage for your situation. For your convenience, they maintain locations in Spearman and Perryton, TX, and have been serving North Texas since 1978. Visit their website to view location details, or call (806) 659-2794 to request an insurance quote.