Month: January 2018

What is Included in Auto Insurance?

Posted on by AgentInsure

For those that drive a car in the Coppell, TX area, having auto insurance is a requirement and a necessity.  When you receive a full auto insurance policy that provides you with all of the available types of protection, you will receive several different types of coverage. 

Liability Coverage

When you purchase an auto insurance policy one type of coverage you will receive is liability insurance.  In the state of Texas, you are required to have bodily injury liability coverage of $30,000 per person and up to $60,000 per accident.  You are also required to carry minimum property damage coverage of up to $25,000 per accident.  This type of coverage will only provide coverage to the other party and will not cover any financial losses you incur.

Collision Coverage

If you want to have your vehicle covered if you are in an accident, you will need to have collision coverage.  If you are found to be at fault in an accident, your collision coverage will also cover the repairs of your vehicle.  It will also provide you with coverage in the event you are not at fault in an accident but the other party does not have insurance and doesn’t pay for your repairs. 

Comprehensive Coverage

Your auto coverage will also provide you with comprehensive coverage.  This type of insurance coverage will provide you with financial reimbursement in the event your vehicle is stolen, vandalized, damaged by storm and weather, or in an accident with an animal. 

For those that are in the Coppell, TX area and would like to better understand their auto insurance needs, meeting with The Select Insurance Agency would be helpful.  The Select Insurance Agency will help you to better understand your minimum requirements as well as what type of insurance pr

When Can You Claim Your Toy Insurance?

Posted on by AgentInsure

The difference between boys and men is the price of their toys. Toy insurance is essential for owners of RVs, motorcycles, boats, and ATV’s in Coppell, TX. It is good to note that these are highly valuable and technical vehicles and that they can cause severe damage to persons and property. Toy insurance from The Select Insurance Agency is a fantastic thing to have since Texas tends to have favorable weather for numerous outdoor activities. Most of these “toys” are usually used in an unconventional manner such as speeding which increases one’s risk to be involved in an accident. So, when should you file a toy insurance claim?

When You Have Had an Accident and Someone Else is Involved

 You’re better off claiming your toy insurance in Coppell, TX when your toy is involved in an accident with someone else. For instance, if you are at fault and you hit the other person, he has the right to make a liability claim against you, and he can even sue you. With the Select Insurance Agency Toy coverage, you are entitled to a legal defense and coverage of the judgment against you up to a certain limit. Inform your insurance company even when the damage appears minor, and you and the other driver agree that you can settle everything yourselves since this approach can backfire.

When You’ve Had an Accident, and No One Else Is Involved

Let us assume that you hit a guardrail and your car is damaged. In this case, you are the one who is at fault and no one else is involved in the accident You should file a toy insurance claim if the damage to your vehicle is significant and it may require significant repairs. Don’t assume that the damage is minor and you may cater for the repairs off your pocket.

Do you own a valuable “toy” and want to insure it? Contact us today for a comprehensive toy insurance coverage.

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