Monthly Archives: March 2013

I Had a Home Burglary in Coppell, Texas, Can I Claim This as a Loss?

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There’s nothing quite like the sense of invasion you feel after a home burglary. Nothing can actually help you to get back the sense of security you’ve lost, at least not yet. However, you can file a claim for what property you’ve lost.

File a Police Report

First, you will need to call the police. When you file a police report is a critical step in filing a claim from your insurance provider. The police will document what occurred and, if all goes well, find the thief.

Filing Your Claim

The insurance adjuster is likely to want to come to your home to inspect the loss. You’ll need to provide anything you can to prove what you’ve lost, such as receipts, photographs showing your belongings or anything that can show the value of the items you’ve lost. If you have a home inventory, you are one step closer to having an easy claim process. You’ll need to provide:

  • A list of what is missing
  • Any proof you have of the missing items, including value
  • A list of damage to your home (your insurance company will pay for those losses too)

Then, the insurance adjuster will work on determining how much you are owed. This will depend on the amount of loss and the type of policy you have.

Are You Protected?

Though most people want to believe that living in a town like Coppell, Texas means you are relatively safe, there are always risks. If you are unsure if your current insurance policy will cover this type of loss, it is time to find a new policy. As an independent agent, we will work with you to find a policy that protects you from this type of devastating loss.

Auto Insurance Tips: How to Handle a Parking Lot Hit and Run in Texas

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If your vehicle is hit in a parking lot, you may become instantly frustrated. How could this happen? Who is going to pay for the damage? If you have a quality auto insurance policy in place, you may have the help you need right there. These tips can help you.

Handle the Parking Lot Hit and Run

The first step to take if you are the victim of a parking lot hit and run is to call the police. Even for small problems, do not leave the scene. Instead, contact the police immediate to file a police report. This establishes what happened and can help the police to determine, if possible, who caused the accident. Many parking lots have cameras that can help the police to track down who did the damage to your car.

The next step is to contact your insurance agency to file a claim. In most cases, they will want to come to the scene of the accident to inspect what happened, especially if there is a significant amount of damage. Otherwise, they will rely on the police report. The insurance adjuster will then work with you to determine what amount they will pay for the repairs needed. You may need to get quotes from several auto repair companies.

Is Your Insurance Company Not Helping You?

If you find that your insurance agent is not helping you with your hit and run, it may be time to look for a new one. Turn to an independent agent in Coppell, Texas and the surrounding area. Our team will work with you to ensure you have an insurance policy that protects you from incidents like this. You don’t have to suffer at the hands of someone else’s negligence. We can help you to avoid this.

What is the Maximum Coverage for a Comprehensive Policy in Coppell, TX?

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While liability insurance is a mandated requirement for those who live in and around Coppell, Texas, this may not be the only insurance needs you have. If you have a car loan, or you value your car itself, you may want to have comprehensive coverage. A comprehensive policy will cover the value of your car, if you were in an at-fault accident and also cover other issues that cause damage to your vehicle.

What else can damage your vehicle? This could be something like an act of God—a windstorm, hail, falling tree, etc. However, it could also be something like vandalism, theft or a pebble coming up from the road and cracking your windshield. Comprehensive coverage is a broad insurance type that will protect you in any possible scenario.

Depending on the value of your car, you may have more or less coverage from this type of policy. Only by speaking with an independent agent of ours can you determine your exact needs and get the maximum possible coverage at a rate you can afford.

If you haven’t yet talked to an agent, the basics of comprehensive coverage is that it will pay the actual cash value of the damage minus your deductible. Because of this, the maximum coverage you can have is the value of your car. The main difference in policy occurs in how large of a deductible you carry.

A good rule of thumb is to never carry comprehensive coverage on a vehicle that will cost more to repair than it is worth. Like most insurance issues, speaking directly with an agent is the best way to get all your ducks in a row. There are many great agents in the Coppell, Texas area that are happy to help you with all your decisions.

Facts about Renter’s Insurance in Texas and How to Choose the Right Policy

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Do you have renter’s insurance? If not, you could be facing a big risk. What most people don’t know is that the landlord or property owner of the building you are living is has protected his or her investment in that space, but not your own. That means if you lose your belongings in a fire without a renter’s insurance policy, you are out of luck. If your guest trips over your carpeting, they could sue you. You need this type of policy and we can help.

How to Choose the Right Policy

In Coppell, Texas and the surrounding area, you’ll need to put a bit of time into finding the right policy. As an independent agent, we will work with you to find the most affordable policy for your needs. Here are some things you need to keep in mind when choosing a policy.

  • Be sure the policy specifically states any high-valued items by name and value including jewelry, electronics or collectibles.
  • Talk to your agent about the amount of liability protection you need based on your situation.
  • Know what the policy deductible is so you know how much out of pocket cost there is prior to the insurance policy covering your losses.
  • Be sure you know about any exclusions listed in the policy as well, such as specific types of accidents or incidents (such as floods) that may not be covered.

To help you to find the right policy for your home, we will work as your independent agent. That means you can use our comparative tool to track down the best insurance providers available in the area. There’s no risk and you end up with the right policy for your needs. Don’t overlook the value of working with us.