Tag Archives: Texas
Auto Insurance – Texas
Auto Insurance – Texas
Texas law requires all drivers to carry at least liability coverage. However there are many other types of auto insurance. Texas insurance companies generally provide these major types of coverages for you to choose from.
Medical Payments Coverage
This type of insurance pays medical and funeral bills arising from accidents, including those in which the victim was a pedestrian or a bicyclist. It covers you, your family members and all passengers in your car regardless of who caused the accident. Because many drivers still do not have insurance, it is a good idea to add this coverage to your auto insurance. Texas law requires all drivers to carry insurance, but it is not something you want to count on if you or someone you love gets hurt.
Personal Injury Protection (PIP) Coverage
This type of insurance is the same as medical payments, but offers the additional coverage of 80% of lost income and the cost of hiring a caregiver for an injured person. It is a valuable addition to your auto insurance. Texas law, in fact, requires insurance companies to offer ,500 in PIP to you, and that you reject it in writing if you choose not to add it to your policy.
Uninsured/Underinsured Motorist (UM/UIM) Coverage
This type of coverage explictly covers expenses from an accident caused by an uninsured driver, or if the driver did not have enough insurance to cover your bills. This type of coverage also pays for damages arising from a hit and run accident if you promptly report it to the police. Auto insurance in Texas is mandatory, but this type of coverage is a good idea to protect yourself against those who do not follow the law.
There are two types of UM/UIM coverage: bodily injury and property damage. Bodily injury coverage pays for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. Property damage coverage pays for auto repairs, rental car fees, as well as damage to items in your car. Insurance companies must offer UM/UIM in addition to your auto insurance. Texas law requires that you reject, in writing, if you choose to waive this protection.
Collision (Damage to Your Car) Coverage
This type of coverage pays the cost of repairing or replacing your car after an accident, regardless of who was driving or who was at fault. Payment is limited to your auto’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours before it was damaged.
Comprehensive (Physical Damage Other than Collision) Coverage
This type of coverage pays the cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, or another cause other than collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Your policy won’t pay for an auto theft unless you report it to the police. Payment is limited to your car’s actual cash value, minus your deductible.
Towing and Labor Coverage
This pays the towing charges when your car cannot be driven, as well as labor charges, such as the cost of changing a tire, at the place where your car broke down.
Rental Reimbursement Coverage
This type of coverage pays a set daily amount for a rental car if your car is stolen or is being repaired because of damage covered by your policy.
Clearly auto insurance in Texas can be much more extensive than a simple liability policy, and provide much greater protection and peace of mind.
The Best Home Owner Insurance Company In Texas
The Best Home Owner Insurance Company In Texas
Obviously, the only way to find the best home owner insurance company in Texas is to find the company that will insure everything you need insured, and insure it at a price you can afford. Sounds pretty simple, right?
However, many people mistakenly purchase a policy from a home owner insurance company in Texas without first knowing the condition of their homes. They make lists of all their possessions, gather up receipts, lock valuables in safety deposit boxes tucked away in banks, and feel that their Texas home owner insurance policy will handle the rest. However, a Texas home owner insurance policy can only handle what you let it handle.
For example, imagine you’ve splurged and purchased the building materials to add that dream deck to your home. You also installed a glass door for easy access to the deck from the inside of your home, and vice versa. Most people would just give their Texas home owner insurance company a call and add the deck, and the door, to the home owner insurance policy.
That’s great. Should your deck or glass door be damaged, your Texas home owner insurance company should cover the cost of repair or replacement. Yet, there are ways to prevent damage to your building materials, thus preventing damage to your end result – in this situation, the deck and the glass door. If you take the precautions to prevent damage to your home and its additions, you could end up saving yourself more than a few dollars.
You see, in Texas it’s very important to know how your home will hold up against windstorms, and unless you’re an expert in the housing and windstorm fields, you should consider giving the Texas Department of Insurance a call and scheduling an appointment to have your home evaluated. The Texas Department of Insurance will evaluate all building products and their resistance to windstorms and flying debris at no cost.
Texas Mobile Home Insurance Companies
Texas Mobile Home Insurance Companies
Agents specialize in explaining in a simple fashion many complicated terms used by insurance companies. Mobile home owners in Texas currently have a buyer’s marketing mobile home insurance policies. The coverage is more extensive than previous years, and the rates are better than ever.
Texas has a vast array of insurance companies the cover mobile homes. Choosing the right carrier can be confusing, to say the least. Mobile home insurance companies that advertise guaranteed cheap rates often neglect to mention that they exclude certain perils from their policies to minimize risk to their organizations. By doing so, they seem to forget that Texas mobile home insurance companies are supposed to protect, not exclude, their clients from peril. While it is unworkable to compensate for every thinkable peril, the ideal situation for the client is to find a mobile home insurance company that will give you a clear explanation of the details of your coverage and give you a price point that you can afford.
The first decision that the prospective insured must make is to determine whether to go directly do the company itself or to be represented by a mobile home insurance agency. If a person chooses the go the agency route, it is essential to know which carriers the agency represents. Some mobile home insurance agencies only represent a single company, and therefore offer limited benefits in comparison to those who represent multiple entities. The number of companies that a Texas mobile home insurance agency represents can further impact the number of benefits it offers when it comes to coverage of peril. Some carriers won’t touch certain parts of the state because they represent areas of greater risk. Having more than one option allows the prospective insured to be certain that his or her assets have been covered by the maximum protection allowable in their geographic area. People can review histories of various carriers by going to the Texas Department of Insurance website.
Since dealing with a carrier directly puts a person at the mercy of that carrier’s customer service policies and coverage restriction, most people in the end opt to deal with the company through a mobile home insurance agency that can offer both a personal touch and professional interface between them and the carrier. It is vital to determine when choosing a mobile home insurance agent what companies in Texas he or she represents and to know in full what advantages each individual carrier offers. Insurance policies bear common similarities because all mobile home insurance companies much follow the guidelines of the Texas government and file their policies with the Texas Department of Insurance. However, there are always points of distinction between individual carriers as well. If you are working with a mobile home insurance company that doesn’t answer these questions, or if you have been looking and haven’t found one yet, it might be a good time now to call Texas Auto Home Insurance. We help simplify the process of finding the right policy with the best possible carrier. We take a consultative approach to client interface aimed at arming the prospective insured with information vital to making the best decision at hand.
Texas Home Owner Insurance Company
Texas Home Owner Insurance Company
It is just as important for Texans to have adequate home owner insurance policies as it is for everyone else in the country; actually, it is even extra important for Texans because the state is so close to the southern most part of America. Hurricanes, high winds – it’s all there, and it’s all waiting to make itself at home right in your neighborhood, your front yard, your own home…
That is why now is the time to start choosing a Texas home owner insurance company before hurricane season is in full swing. Choosing an insurance company in Texas is important because a company located in Texas is more likely to be able to legally do insurance business in Texas. If an insurance company is licensed to do business in Texas, the Texas Department of Insurance is able to step in and help you should you ever have complaints or problems with your coverage or other aspects of your policy that your Texas home owner insurance company has refused, or hasn’t been able, to address.
Plus, it shows the insurance company in question really cares about protecting Texans and their homes if it takes the initiative to get licensed in Texas.
Aside from choosing a home owner insurance company licensed to sell home owner insurance in Texas, you should check out the financial rating of the insurance company which will tell you how financially strong the Texas insurance company is, and put to ease any concerns about the company’s ability to properly compensate you should you ever file a complaint.
Remember to check out complaints that have been filed against the Texas home owner insurance company. You can find this kind of information from the Texas Department of Insurance, the Better Business Bureau, and perhaps even the company itself. Look for patterns in complaints, and find out how – if at all – the complaints were handled to the satisfaction of the policyholder.
Cheap Car Insurance In Texas
Cheap Car Insurance In Texas
Many factors can make the search for cheap car insurance in Texas a rough one. A lapse in coverage, a less than stellar driving record – they all add up. If you’re having difficulty finding cheap car insurance in Texas, consider looking into the Texas Automobile Insurance Plan Association. The Texas Automobile Insurance Plan Association allows you to obtain the basic Texas liability coverage, personal injury coverage, and even uninsured and underinsured motorist coverage.
The downside to the Texas Automobile Insurance Plan Association is you’ll likely be charged higher rates than you would be charged by your everyday car insurance company. The upside is Texas Automobile Insurance Plan Association provides you with car insurance you wouldn’t otherwise have been able to obtain. Without car insurance or some form of proof of financial responsibility in Texas, you’re driving illegally which brings consequences.
In Texas, if you’re caught driving without insurance or some form of proof of financial responsibility, you will be fined anywhere from 5 to 0 – and that’s just your first offense. If you’re caught a second time, you will pay a higher fine, and if there is a third offense, not only will you pay an even higher fine than the first and second offenses, but you also risk having your driver license suspended. Plus, you will be given a ticket for a surchargeable violation. A ticket. Sounds like no big deal, right? Wrong. In Texas, a surchargeable violation means you can be charged more than once for the violation, i.e., you’ll have to pay a fine for that violation once a year for up to three years.
So, looking to the Texas Automobile Insurance Plan Association for cheap car insurance in Texas may not give you cheaper car insurance rates than standard car insurance companies, but it will give you a cheaper bill than you will get if you’re caught driving without car insurance or proof of financial responsibility.
Texas Health Insurance
Texas Health Insurance
The Birth of Texas Health Insurance
Texas has shaped and formed a new program called Texas Health Insurance that will help Texans get on the fast track when it comes to health insurance and human services. This was made possible through the merging and integration of 12 health agencies, transforming into four new departments under the supervision and management of Texas Health and Human Services Commission.
The aim and goal of Texas Health Insurance
Aside from providing a more attentive assistance to Texans’ health concerns, Texas Health Insurance aims to lend a hand and facilitate in the lowering of administrative costs and to come up with fund generating projects that will directly derive more health services for the people of Texas.
Texans who would like to browse and get more information about Texas Health Insurance may visit other related internet sites such as – Department of Aging and Disability Services, Texas Health and Human Services, Department of State Health Services, Department of Family and Protective Services, and the Department of Assistive and Rehabilitative Services.
Benefits from Texas Health Insurance
Each Texas Health Insurance holder is entitled to a Health Pool Benefit Plan. Texas Health Insurance features countless, great benefits like the calendar year deductible, the emergency care deductible, physician office visit co-payments and so on.
Another plus factor is that the Texas health insurance do not count the charges of prescription drugs for outpatients against their co-insurance maximums. And after the insured party pays the corresponding amount of the deductible from the policy, the policy will then pay the amount of the covered expenditures in excess of the co-insurance amount prior to policy limits. However, in Texas Health Insurance dealings with the covered expenses from a preferred provider, the instance you have settled the coinsurance maximum, the policy pays a total of 100% of covered expenses from preferred providers for the remaining days in the Calendar year. On the other hand, if you are an insured party with a non-preferred provider, there will be no coinsurance maximum for the covered expenses. Texas Health Insurance Policy will, in no event, pay more than the lifetime maximum for each insured party. The deductible amount chosen by the insured party may not be changed to a lesser amount after the policy is issued. One may request to upgrade and change to higher deductible if offered by the Texas Health Insurance but the insured party can only apply for that in a calendar year. The change made by the Texas Health Insurance will be effective on the first of the month following the date your written request is received or a later date upon request.
More, More, More!
Apart from this, enjoy the other great benefits from Texas Health Insurance such as: Intensive Care or Cardiac Care Unit with maximum of three times the average semi-private room rate, assistant surgeon or surgical first assistant with maximum of 25% of the surgeon’s professional fee, Skilled nursing facility of 45 days in a calendar year, transplants of kidney, liver, heart, pancreas, lung, bone marrow, subject to a lifetime combined maximum benefit, plus the retail pharmacy copayments for up to a maximum of 30-day supply on generic drugs, formulary drugs, and non-formulary brand name drugs. Other Texas Health Insurance’ health pool medical plan benefits are: ambulance use, anesthesia, blood, acquired brain injury, home infusion therapy, genetic testing and counseling, use of medical equipment, breast reconstruction in connection with mastectomy, and other miscellaneous hospital services and supplies.