What’s the Difference Between Auto Insurance and RV Insurance?

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While both cars and recreational vehicles share the road, they serve very different purposes. Auto insurance and RV insurance are designed to address these differences, and understanding how they compare helps vehicle owners choose the right coverage for their needs.

Purpose and Vehicle Use

Auto insurance is intended for daily transportation, covering personal vehicles used for commuting, errands, and general travel. RV insurance, on the other hand, is designed for recreational vehicles such as motorhomes, camper vans, and travel trailers, which are often used for extended trips or seasonal living.

Differences in Coverage Structure

Standard auto insurance focuses on liability, collision, and comprehensive coverage. RV insurance includes similar protections but often expands to cover features unique to RVs, such as custom interiors, attached equipment, and higher property values. RV policies may also include coverage for personal belongings carried inside the vehicle.

Liability and Living-Related Exposures

RVs can create liability risks beyond driving. When parked at a campground, an RV may function as a temporary residence. RV insurance can include campsite liability coverage, which protects against injuries to others that occur around the parked vehicle—coverage not typically included in auto insurance.

Claims, Repairs, and Replacement Costs

Repairing or replacing an RV is usually more complex and expensive than repairing a standard car. RV insurance often accounts for specialized repair shops, longer repair times, and higher replacement costs, while auto insurance is structured for more common vehicle repairs.

Storage, Seasonal Use, and Policy Options

Many RVs are used seasonally and stored for long periods. RV insurance policies may offer flexible options such as lay-up periods or full-timer coverage for those who live in their RVs, options that are not part of standard auto insurance policies.

The Select Insurance Agency, Serving Coppell, TX

At The Select Insurance Agency, our team is here to meet all of your insurance needs, and we’d love to talk with you about how we can keep your RV protected while you’re on the road. If you’re in or near Coppell, TX, reach out to our team today to schedule a time to talk with one of our friendly agents.

Toy Insurance Is for Kids and Adults

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It is often said that the happiest people are kids at heart. Retain your whimsy and you’ll never live a dull day. There’s no shame in having fun, be it with toys, games or recreational pursuits. As such, toy insurance makes sense for both kids and adults in Coppell, TX.

Toy Insurance Is for People of All Ages

Toy insurance is a must-have for everyone who owns recreational equipment of any type. If that equipment is damaged by a weather event, vandalism or theft, the toy insurance policy will kick in, providing essential protection.

Moreover, if there is another type of accident, the coverage will be applicable with liability protection and coverage for legal expenses. Whether you are a tween, teen, adult or octogenarian, you’ll greatly benefit from toy insurance coverage. As long as you own a recreational vehicle of any type, you’ll enjoy invaluable peace of mind with a policy.

Candidates for Toy Insurance

If you have experience using recreational vehicles, you are aware that these machines carry an inherent threat. Playing hard with recreational vehicles presents an element of risk. You can operate your recreational vehicle in full confidence with the right coverage. 

In general, those with rideable motorized recreational vehicles are good candidates for toy insurance. Whether the vehicle is a four-wheeler, a jet ski, motorized bike, scooter, boat or motorcycle, coverage is necessary. Your coverage will come in handy if you crash, suffer an injury or experience another related loss due to weather, theft, damage, etc.

The Select Insurance Agency Has You Covered

If you live in or near the vicinity of Coppell, TX, contact us today for more information about toy insurance. We take pride in serving locals with the best coverage. You can reach The Select Insurance Agency by dialing 972-315-7299.

How To Check for Coverage Gaps in Your Current Home Policy

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Your homeowners insurance policy might not provide the complete protection you think it does. Over time, changes in your property value, possessions, and local risks can create coverage gaps that leave you financially exposed when disaster strikes. Regular policy reviews help identify these vulnerabilities before you discover them during a claim. At The Select Insurance Agency, serving Coppell, TX, we help homeowners conduct thorough coverage assessments to ensure their policies match their current protection needs.

Review Your Coverage Limits and Property Values

Start by comparing your dwelling coverage limit to your home’s current replacement cost, not its market value. Construction costs have risen significantly in recent years, so your coverage might fall short of what it actually costs to rebuild. Check if your policy includes inflation protection or guaranteed replacement cost coverage. Also review your personal property limits against the actual value of your belongings. Many people accumulate expensive electronics, furniture, and clothing over time without updating their coverage accordingly.

Identify Common Exclusions and Special Limits

Standard policies often exclude or limit coverage for specific items. Jewelry, art, collectibles, and electronics typically have low coverage caps that might not reflect their true value. Water damage from floods, sewer backups, and earth movement usually requires separate coverage. Home-based businesses, expensive bikes, and recreational vehicles often need additional endorsements for proper protection.

Consider New Risks and Life Changes

Recent home improvements, new expensive purchases, or changes in local weather patterns might require coverage adjustments. If you’ve added a pool, finished a basement, or installed solar panels, these improvements need adequate coverage.

Regular policy reviews prevent unpleasant surprises during claims. Contact The Select Insurance Agency, serving the Coppell, TX area, to schedule a comprehensive coverage assessment and identify gaps in your current protection.

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.

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