Insurance cushions the blow of life’s ups and downs
How long have you been in business in the Texarkana area?
This past December we just celebrated 20 Years of serving Texarkana
What is liability coverage?
It is a type of insurance coverage that provides protection to a person or business if you are found legally responsible for causing harm or damage to another person or to another person’s property! In reference to Auto Insurance, each state sets the limits of minimum coverage and customers have the option of obtaining higher coverage to help further protect them from financial liability.
What is full coverage?
Full Coverage is typically a combination of Comprehensive, Collision, and Liability Coverage, some consider “Full Coverage” to include rental car coverage as well as personal injury protection, Uninsured/underinsured coverage, and Emergency Roadside service, - Comprehensive is typically used for coverage from theft, natural disasters, falling objects, fire, hail, flood, and if you collide with an animal. Collision coverage is a type of auto insurance coverage that pays for damages to the insured’s vehicle caused by a collision with another vehicle or an object.
What costs will I need to cover “out of pocket” if I am in an accident?
Out of Pocket costs to fix your vehicle will include your deductible if you have “Full Coverage”, possibly coinsurance on rental car if you have rental car coverage, and then if you are deemed liable for the claim, the company will cover liability up to the limits that you carry on your policy to pay out for the damages to the other party, in some situations the amount of the damages (bodily injury or property damage) is over the amount the insured has and it can then open themselves up where they could have to pay out of pocket for those! That is why it is so very important to have adequate coverage!
Am I covered if my car is stolen?
If you have Comprehensive coverage it covers stolen vehicles
If my car is totaled, will my insurance company pay for a new car?
The amount that would be paid out in a total loss varies depending on the vehicle itself that it totaled, it doesn’t pay you for a new car but rather the actual cash value of your car that was totaled minus your deductible.