Articles Posted in Insurance

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Underinsured Driver - Dallas, TX - Reyes Browne Reilley
While it is not mandatory for Texans to have uninsured motorist coverage, it is highly recommended. About 1 in 7 cars on the road in Texas are uninsured drivers, according to the Insurance Information Institute.

What is Texas Law?

Texas law requires people who drive in Texas to pay for the accidents they cause. The current minimum liability limits are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage. However, if you’ve been hit by an uninsured driver, the minimum amounts might not be enough to cover the entire cost of the car damage and medical bills. Purchasing more than the minimum requirement can help alleviate these costs.

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35UEZZ4RG5HVFIMUNSGR5KNSYU-1024x576A powerful storm has dumped 10 inches of rain on parts of the Dallas-Fort Worth area over the past few days, causing widespread flooding. Flash floods are the number one weather-related killer in the United States — most flood fatalities happen because people try to drive through deadly waters rather than avoid them.

The next highest percentage of flood-related deaths is due to walking into or near flood waters. People underestimate the force and power of water. Many of the deaths occur in automobiles as they are swept downstream. Of these drownings, many are preventable, but too many people continue to drive around the barriers that warn you the road is flooded. A mere 6 inches of fast-moving flood water can knock over an adult. It takes just 12 inches of rushing water to carry away a small car, while 2 feet of rushing water can carry away most vehicles. It is NEVER safe to drive or walk into flood waters.

With more rain on the way, follow these tips to stay safe in your car during a flood.

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When considering car insurance coverage in the state of Texas, there are three important types that you should bear in mind – personal injury protection (PIP) benefits, uninsured motorist coverage, and gap insurance.

By familiarizing yourself with these three types of insurance coverage, you are in a better position to make informed decisions are your automobile insurance policy.

Personal Injury Protection Benefits

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bigstock-Small-dog-maltese-in-a-car-wit-136098791-300x200Only 16 percent of dog and cat owners say they use safety restraints when driving. Using proper safety restraints can protect your furry friends as well as you and any passengers in the vehicle.

According to the Center for Pet Safety (CPS), some types of pet restraints performed terribly during vehicle crash tests and are not very reliable. The worst products are plastic pet crates because the plastic tends to splinter into sharp pieces during a collision. During crash tests, dummy pets in plastic crates were ejected through the crate’s flimsy walls.

During a car accident, a dog or cat that is unrestrained can be flung forward and may injure fellow passengers or even go through the windshield of a vehicle. There are ways to help make your pets feel comfortable when traveling while also keeping them safely restrained. A pet with appropriate protection will not be a distraction for a driver while on the road.

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250652-300x200New cars have steadily increased the high-tech crash-prevention gear, and now they are having a perverse effect on car-insurance costs: They are soaring.

Safety features such as autonomous braking and systems to prevent drivers from drifting out of their lanes are increasingly available on vehicles rolling off assembly lines. Auto companies and third-party researchers say these features help prevent crashes and are building blocks to self-driving cars.

But progress comes with a price.

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Teen_Driver_2-731735-editedThe financial shock of adding a teenager to a family auto insurance policy is getting less shocking… kind of.

An annual analysis by insuranceQuotes.com found that adding a teenager still increased annual premiums substantially, but the magnitude of the increase has been falling over the past few years.

Adding a single teenager to a policy caused annual premiums to increase an average of 78 percent, or $671. But rate increases have been decreasing since 2013, when the average increase was 85 percent.

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bigstock-Top-Secret-Concept-Top-Secret-232925815-1024x678Hiring a personal injury attorney should be the first step for the severely injured after a car or truck wreck. Dallas Fort Worth Metroplex personal injury victims must make a series of choices after an accident, and many of those involve dealing with the insurance company. Coping with an adjuster or an insurance company that is trying to pay as little as it possibly can be incredibly frustrating. However, if you are going to represent yourself- here are a few secrets:

It is Not Personal – Just Business for the Adjuster

Typically, an adverse adjuster will contact the car or truck crash victim after a serious injury accident. It is important to remember that the adjuster is not on your side and does not have your interest at heart when attempting to settle a claim. Your claim is probably one of several hundred the adjuster has on the plate. Don’t make the mistake of believing they care about your situation. If the adjuster is going out of his or her way to be helpful to you- that is a signal they may be worried about the amount of your claim.

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bigstock-Two-Car-Crash-1522381-300x240Most drivers believe they can make it by with just the minimum required coverage. When you only purchase the minimum required insurance coverage to avoid a traffic violation, you and your family are exposed to potentially devastating financial hardships resulting from an accident.

Most minimum coverage plans leave out some of the most important aspects of insurance coverage, primarily Personal Injury Protection (PIP), Uninsured Motorist (UM), and Under-Insured Motorist (UIM). Auto Insurance is designed to protect you and your family in the event of an accident – not just avoid a ticket in a traffic stop.

Why You Need UM/UIM & PIP Insurance Coverage

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Car Wreck - Reyes Browne Reilley
Driving the company car has its perks. You don’t have to pay for gas out of your own pocket. You don’t need to worry about putting miles or wear and tear on your own car. But what happens if you have a car wreck in a company-owned vehicle? Whether it’s a fender bender or a major collision, who pays for it? You? Your employer’s insurance? Can the employer be sued?

The question will turn on whether or not the employee was acting in the scope of his or her employment duties during the time of the car wreck.

When Does Employer Liability Arise?

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bigstock-meeting-6825017-1024x694We are all familiar with the normal ways in which insurance companies try to get us to pay more for coverage. There are fees for 24-hour service, fees for adding another car to your plan, and fees for just about anything.

According to a new law, if you happen to call your insurance agent with a question about a potential claim on your automobile policy in Texas, you could face an increase in your premium when your policy is renewed. This fun bit of Texas legislature makes it easier for the insurance companies to take more money out of your pocket, even if you don’t end up filing a claim. Texas Legislature passed a law that made it illegal for insurance companies to charge Texas insurance customers who ask questions about their homeowners policy, but insurance lobbyist pressured legislators to remove the part that protects your automobile policy.

State Senator Kirk Watson, Austin D, had originally written the bill to protect Texas insurance customers. However, he knew if he did not remove the part including automobile insurance, the entire bill would not have passed. During the proceedings to pass the bill, the insurance industry kept their opposition quiet in order to keep customers from discovering the bill. According to the legislative record, the insurance industry claimed, “Limiting the types of information that insurance companies can take into account could hinder operations and unfairly shift premium costs among policyholders.”

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