FAQ
We’re Here for You
Why do I need to buy insurance?
Accidents and disasters can and do happen. Insurance is a way of managing risks. When you buy insurance, you transfer the cost of a potential loss to the insurance company in exchange for a fee, known as the premium.
Do you offer free consultations to new customers?
Yes. Our consults are always free of charge.
Do I need a VIN number to purchase an auto policy?
Yes! The only way to guarantee prices is by having the VIN number of the vehicle. All carriers require the VIN number to bind and offer quotes.
Will I be able to get service in Spanish?
Si! Our staff is fully bilingual.
Can I get insurance for my car if I have an international driver's license?
Absolutely! Many of our carriers allow international licenses or a passport to get auto insurance in the United States.
Why did my policy increase at renewal?
Many factors can contribute to this. In this day and age, the most important thing to consider is that as the prices of everything around us increase, so do insurance prices. Manu factors such as driving record, age, gender and years licensed contribute to said increases or price changes.
Is comprehension and collision required in Texas?
No it is not. The required insurance by law is liability with limits of at least 30/60/25. Our agency doesn't recommend solely liability because our purpose is to protect our clients and the assets that they've worked so hard for.
What is liability insurance for autos and what do limits of liability mean?
Limits of liability can look like this 30/60/25, 50/100/50, 100/300/100, etc.
The first number on the liability limit represents the “ bodily injury per person” that your carrier will pay out if you are in an at-fault accident. So, for example, if you own a 30/60/25 policy the “30” means that your carrier will pay out up to $30,000 for each person injured in an accident that was your fault. Anything above $30K in this example -- comes out of your pocket.
The second number refers to the total “ bodily injury per accident,” meaning the most your policy will pay out in the case of an at-fault accident. To clarify, let’s once again use the 30/60/25 policy example. According to the first number, 30, the policy will pay up to $30,000 for each person hurt in an at-risk accident. The second number, in this case 60, means that if more than two people needing maximum care are involved in the accident, you’ll be responsible for paying out the remainder of the damages to those hurt. Here is where limits of 50/100/50 will cover our clients better. It would cover 2 people up to $50K each, or 4 people up to 25K each.
The last figure signifies the amount of property damage your policy will pay out in an at-fault accident. The 30/60/25 policy-holder is covered up to $25,000 for damaged property in an at-fault accident, and the 50/100/50 is covered up to $50,000 for damaged property in an at-fault accident.
The smartest thing for drivers is to increase their liability levels as high as they can reasonably afford to go. If you are at-fault in an accident and injure someone else or damage their property, you will be held liable for their expenses. Drivers without enough liability coverage to pay those costs will still be held responsible.
What do I need to apply for a general liability policy?
For general liability and most commercial policies related to a business, we will need:
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Name of owner
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Business name and Tax ID (FEIN Number)
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Business address
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Occupation
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Annual gross sales
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Annual payroll
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Number of employees (distinguishing between independent contractors [1099] or employees [W2])
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In some cases, loss runs (specially for truckers)
Do I need a social security to apply for Affordable Care Act (Obamacare)?
No, but a person needs to be legally allowed to work or live in the United States. Click here to learn more about requirements for ACA.
How does Obamacare work and can anyone qualify?
In order to qualify for Obamacare a person must have at least the minimum annual income for their household size and to plan on reporting taxes. The Affordable Care Act works by providing subsidy or tax credit based on family income and size.
How long do I have to work to qualify for Medicare?
This is a case-by-case situation but generally, a person needs 40 credits which is equivalent to approximately 10 years of work to qualify for pension. The rules for disability are different.
What sort of discounts do insurance carriers offer?
This will once again be a case-by-case basis but for example, some property insurance carriers provide discounts for having a roof that has been renovated less than 5 years ago. Some others will provide discounts for having protective services in the home. This will vary greatly based on the carrier but your insurance agent can give you more information about this.
Some auto policy carriers will provide discounts for having vehicles with factory-set safety features called accident avoidance systems such as blind spot warning and break assist. Other auto policy carriers will provide discounts for being a homeowner, having a clean driving record or enrolling in paperless correspondance.