What Auto Insurance Does Not Cover in Coppell, TX

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Anytime you get behind the wheel, knowing you’re protected with proper insurance is crucial. If you’re a driver in or near Coppell, TX, understanding what traditional and standard auto policies do not cover is essential. At The Select Insurance Agency, we’ll work with you to find the best solutions for your coverage needs, whether you’re a commuter or if you simply enjoy long road trips in your vehicle. 

Wear-and-Tear and Mechanical Breakdowns

Most often, standard auto insurance will not cover worn brakes, transmission issues, or even engine failures. These issues are classified as wear and tear, meaning warranties or additional coverage may be necessary for that level of protection.

Personal Belongings

With standard insurance policies, personal belongings will not typically cover the loss. This means if you have assets in your vehicle, and it is broken into or stolen, you cannot file a claim for what you owned (without additional add-on insurance policies).

Damage From Flooding

Depending on your coverage, liability-only policies usually do not cover flood damage. To protect your vehicle from potential floods, you may need to consider comprehensive insurance.

Custom Parts

Without additional coverage specifically designed for your vehicle, custom part replacements may not be possible with a standard auto insurance policy. This can include LED lighting, lift kits, wraps, sound systems, and even aftermarket wheels you’ve installed on your vehicle. 

Learning about what auto insurance doesn’t cover in and near Coppell, TX, is highly recommended for you as a driver of any type of vehicle. Whether you commute to and from work, carpool with others, or if you enjoy exploring all Texas has to offer in your car, the right insurance policies can make all the difference. To learn more about your auto insurance policy and to discover if add-ons are right for you, contact The Select Insurance Agency today. 

Can You Get Life Insurance Right Before You Die?

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Many people in Coppell, TX, put off getting a life insurance policy. Those without health conditions may feel like they have years left. The last thing on their minds is funerals or planning for their death. However, once you discover that you have a terminal condition, you’re bound to wonder if it’s too late to get an insurance policy. 

Waiting Period

Unfortunately, these policies often have a waiting period. So, if you’re terminally ill, the policy may not be active when you die. The waiting period typically ranges from four to six weeks, although this may vary depending on the specific insurance company. An agent at The Select Insurance Agency can help you understand how the waiting period works. 

Policies for Terminally Ill Clients

While you might not be able to obtain a standard policy that assesses health history and depends on you paying into it for years, you may qualify for a different type of policy. These policies, sometimes called guaranteed life insurance, often have a lower life benefit, but will still pay out when you die. Individuals often purchase them to ensure there’s a benefit to help cover funeral expenses when they die or to provide a small benefit to loved ones. 

Burial Expense Policy

Some companies offer another type of policy called a burial expense policy. It may be called a final expense policy. These policies take effect as soon as you make the first payment, so you’re covered if you die in three days. They’re smaller than other policies that pay out a death benefit. That’s because they’re only designed to pay for the funeral, ensuring your loved ones don’t have to figure it out while they grieve. 

We understand how stressful this time can be. Compassionate agents at The Select Insurance Agency can help you learn more about your options. We’re currently serving the Coppell, TX, area. 

Umbrella Insurance and Defamation Lawsuits

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Individuals in Coppell, TX, with a high net worth are more likely to face lawsuits, particularly defamation. It’s essential to understand how your insurance works during these stressful times. 

Legal Defense

Most policies will cover the cost of a legal defense. However, you might not be able to choose any lawyer you want. Some companies place a cap on the amount they will pay for legal services. Others have a network of lawyers they work with, and you’ll have to choose one of those. An agent at The Select Insurance Agency can help you learn more about choosing a lawyer. 

Coverage Limits

Umbrella insurance can help pay for a judgment against you, but every policy has coverage limits. For example, imagine you have a coverage limit of $2 million, but the judgment is for $3 million. Your insurance would only pay $2 million because that is the coverage limit, and you would be responsible for the additional $1 million. 

Exclusions Apply

Every policy has specific exclusions, and umbrella policies are no different. While they may help in a defamation lawsuit, the company may deny the claim if it finds that you intentionally said or did things to defame the other person or acted with malicious intent. For example, if you spread rumors about someone with the intention of harming their business, that would be considered malicious. 

Facing a defamation lawsuit can be a stressful experience. Thankfully, you don’t have to do it alone. The agents at The Select Insurance Agency are here to help. Contact us. We’re currently serving Coppell, TX. 

Commercial Insurance: Common Exclusions

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Commercial insurance in Coppell, TX, provides the coverage necessary to protect your finances. Most business owners obtain liability, auto, workers’ compensation, and property coverage. However, there are a few common exclusions to be aware of regarding commercial policies.

Employee Damage

Most policies explicitly exclude damage caused by employees, including theft or property damage. In such cases, you may need to contact local law enforcement, press charges, and file a lawsuit. Some companies may cover employee-related damages up to a certain amount, so it’s important to consult with a company like The Select Insurance Agency to understand policy exclusions.

Natural Disasters

Many natural disasters are excluded from commercial property policies. For example, tornadoes, floods, and hurricanes may not be covered under standard policies. Property owners typically need to purchase additional coverage to protect against these events.

Workers’ Compensation Exclusions

Workers’ compensation claims may be denied for several reasons. For instance, if an employee was responsible for their own injury, such as being intoxicated while operating heavy machinery, the claim is unlikely to be covered.

Wear and Tear

Normal wear and tear is not considered a covered peril. For example, an insurance policy may cover a new roof if a covered peril damages it, but it won’t cover a replacement roof if it’s leaking due to age. Preventative maintenance, such as removing a leaning tree, is also typically excluded.

Intentional Acts

Intentional acts by employees or business owners are not covered under this policy. Filing a claim for damages caused by intentional actions is considered insurance fraud. This is why acts committed by employees are generally also excluded.

Commercial policies often include several exclusions. Agents at The Select Insurance Agency can help you understand your policy and its limitations. Contact us today to learn more. We proudly serve the Coppell, TX, area.

How Does A Workers Comp Insurance Claim Work For Business Owners?

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Most businesses are required to have workers’ compensation insurance if they employ at least one person. These policies help cover lost wages, medical bills, and other expenses in the event of a job-related injury. Employers need to understand how this process works.

Employee Injury

When an employee is injured on the job, they must complete an injury report immediately. This is the first step in filing a claim. Afterward, employers typically send the employee to a hospital for medical evaluation and a drug or alcohol test. Insurance companies often deny claims if the employee was intoxicated at the time of the accident, as such incidents are generally considered the employee’s fault.

Provide Claims Forms

Employers must provide the necessary forms for employees to file a claim, even if they believe the claim should be denied. Filing the paperwork promptly is usually required by the insurance policy. Employers should also investigate the cause of the accident, such as reviewing security footage and obtaining the results of the drug or alcohol test.

Submit Claims

Once the forms are completed, submit them to your insurance agency in Coppell, TX. If you suspect the accident was the employee’s fault, for example, if they were not following safety protocols or were injured during horseplay, notify your insurance company. Agencies like The Select Insurance Agency can assist you throughout the process.

Claims Process

After submission, the insurance company will review the workers’ compensation claim and decide whether to approve or deny it. If approved, the insurance company will cover medical expenses and a portion of lost wages, reducing the financial burden on the employer.

An experienced agent at The Select Insurance Agency can guide you through the claims process. Contact us today to learn more. We proudly serve the Coppell, TX, area.

What Coverage Does My Auto Policy Provide for My RV?

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RVs are a popular choice for Coppell, TX, residents seeking weekend getaways or extended adventures to faraway destinations. Whether you travel in a motorized model, tow a trailer, or relax inside a spacious fifth wheel, it’s essential to ensure your insurance provides the coverage you need. At The Select Insurance Agency, we’ll help you find the right policy for your specific RV.

Understanding RV Types and Auto Insurance Coverage

One common question among new RV owners is whether their auto insurance covers their RV. The answer depends on the type of RV you own. While some RVs may have limited coverage under your auto insurance, others require a separate policy.

For motorized RVs, such as Class A, Class B, and Class C motorhomes, a separate RV insurance policy is necessary. These vehicles have unique coverage needs that differ from standard auto insurance. RV insurance typically includes liability coverage, personal item protection, and collision and comprehensive coverage. Additionally, if you use your RV as a full-time residence, specialized coverage similar to a homeowner’s policy is available.

If you own a towable RV, such as a fifth wheel, travel trailer, or toy hauler, your auto insurance may provide limited coverage while the RV is being towed. However, once the RV is parked, standard auto insurance does not apply. For these types of RVs, our agents can help you secure a specialized policy that includes liability, collision, and comprehensive coverage, ensuring your RV is protected at all times.

Contact Us

The Select Insurance Agency is here to help you hit the road with confidence. Whether you’re traveling near or far, we’ll ensure your RV is covered with the right insurance policy. Call us today to get started and enjoy peace of mind knowing your RV is protected from bumper to bumper.

Can You Use Toy Insurance For Motorcycles?

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Toy insurance, also known as recreational insurance, is a versatile policy designed to cover a wide range of "toys." For many, this includes motorcycles. Understanding the details of these policies is crucial for determining the best insurance to meet your needs.

Toy Insurance

Toy insurance provides coverage for recreational vehicles, including pull-behind trailers and ATVs. These policies offer varying levels of protection, ranging from liability to comprehensive coverage, depending on the insurance provider. Some companies may only offer limited options, so it’s essential to consult with an agent at The Select Insurance Agency to ensure you have the right coverage.

Additionally, toy insurance often includes coverage for add-ons, which is beneficial if your vehicle has accessories or upgrades.

Motorcycle Insurance

Motorcycle insurance in Coppell, TX, is tailored for individuals who use their bikes for daily transportation on the road. These policies typically meet state guidelines automatically, ensuring you comply with legal requirements. Like toy insurance, motorcycle policies offer various levels of coverage.

Many motorcycle insurance plans include additional benefits, such as roadside assistance or higher bodily injury protection limits. Some providers also allow you to purchase extra coverage for accessories, ensuring they are protected in case of an accident.

Which One Is Right for You?

Motorcycle insurance is often the best choice for those who use their bike regularly for commuting or transportation. On the other hand, toy insurance may be more suitable for hobbyists or those who use their vehicles recreationally. Regardless of your choice, it’s crucial to ensure your policy meets state guidelines before hitting the road.

A professional agent at The Select Insurance Agency can help you decide which policy is right for you. We’ll take the time to understand your situation and recommend the coverage that best fits your needs. Contact us today to learn more. We proudly serve the Coppell, TX, area.

Prepping Your Home for Colder Weather: What You Need to Know

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As temperatures drop, your home faces increased risks, even during the mild winters of Texas. Taking a few simple steps now can help protect your property, prevent costly damage, and reduce potential insurance claims.

Inspect and Service Your Heating System

Before the cold weather sets in, have a licensed professional inspect and service your furnace or boiler. Replace filters, check for leaks, and ensure everything is running efficiently. If you use a fireplace or wood stove, make sure your chimney is clean and properly vented to avoid fire hazards.

Seal Gaps and Leaks

Cold air can enter your home through cracks in windows, doors, and around your foundation. Use weatherstripping, caulk, and insulation to seal gaps. This not only prevents drafts and moisture damage but also improves energy efficiency, saving you money on heating costs.

Clean Gutters and Downspouts

Clogged gutters can lead to ice dams, which may cause roof leaks and water damage. Clear out leaves and debris, and ensure downspouts are directing water away from your foundation to prevent flooding and structural issues.

Check Your Roof and Attic

Inspect your roof for missing shingles, damaged flashing, or signs of water infiltration. Proper attic insulation and ventilation can help prevent heat from escaping, reducing the risk of ice dams and improving your home’s energy efficiency.

Review Your Home Insurance Policy

Winter is a great time to review your homeowners insurance policy. Ensure your coverage limits are up to date and that you’re protected against common winter-related risks such as frozen pipes, roof collapse, or storm damage.

Contact The Select Insurance Agency, Serving Coppell, TX

At The Select Insurance Agency, we proudly serve Coppell, TX, and surrounding areas, helping homeowners get the coverage they need to stay protected. Whether you’re a first-time homeowner or own multiple properties, we can help safeguard your investments. Contact us today to speak with a member of our team about our insurance products.

What to Do If Your Car is Flooded

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If you live in Texas and drive a car, state law requires you to purchase auto insurance. You might wonder how to choose the right type of car insurance. If you live near Coppell, TX, our team at the Select Insurance Agency invites you to visit us and discuss your insurance options. We’ve been working with Texas drivers like you since 2003.

What to Do If Your Car is Flooded

While car accidents are a common concern, there are other situations where your vehicle might sustain damage. For instance, your car could be caught in a weather disaster and become submerged in water. According to the Texas Department of Insurance, if your auto insurance policy includes comprehensive coverage, it will cover flood damage to your vehicle. As soon as you discover that your car has been damaged by water, take immediate action.

The Texas Department of Insurance recommends taking pictures of the damage to your car. If your car is submerged, photograph it in its current state. Although Texas law requires insurance companies to process car damage claims promptly, widespread disasters may cause delays in claim responses. Be sure to review your policy guidelines if you have questions about the specifics of flood coverage.

Call Us Today for Your Appointment

Don’t risk driving without car insurance. Our agents at the Select Insurance Agency can help you find an auto insurance policy that meets your needs and fits your budget. Drivers in the Coppell, TX area trust us for excellent customer service. Call us today to schedule an appointment, and let’s ensure you’re properly insured.

When is the Right Time to Invest in Life Insurance in Coppell, TX?

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Choosing the right life insurance policy can provide the sigh of relief and a breath of fresh air you’ve been seeking. Whether you’re just moving to Coppell, TX, or you’ve lived in the region your entire life, knowing when the right time is to invest in life insurance is crucial. At The Select Insurance Agency, we’re here to help.

When Is the Right Time for Life Insurance?

Life insurance can be purchased at nearly any stage of life. In general, it’s recommended to invest in life insurance early on, and here’s why:

  • Reduced Premiums: Lower premiums are possible the younger you are when you invest in life insurance. Healthier applicants pay significantly less.
  • Unpredictability: Life is unpredictable. Protecting yourself from unforeseen health issues is also possible with the right life insurance policy.
  • Extended Protection: Investing in a life insurance policy earlier in life can offer lifelong security while supporting your loved ones in their future goals.

Milestones to Consider

Some key milestones to consider include:

  • Starting a Family: Starting a family means protecting their future. Life insurance helps cover expenses, pay off debts, and fund future education costs.
  • Investing in a Home: New mortgages are significant commitments. Life insurance policies can help pay off or manage ongoing mortgage payments in the event of your unexpected passing.
  • Growth: If you’re investing in businesses or taking on new responsibilities, life insurance can protect continuity.

Knowing when the time is right to invest in life insurance can make all the difference in your future. At The Select Insurance Agency, we’ll guide you through the process of finding a life insurance policy that reflects your specific needs. If you’re located in Coppell, TX, and would like to learn more about your life insurance options, please contact us today to schedule a consultation and receive a personalized quote.

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