Car Insurance
Why is Auto Insurance Essential?
Auto insurance is not only a legal requirement in Texas, but it is also vital for safeguarding yourself, your vehicle, and others on the road. In the event of an accident, possessing sufficient auto insurance coverage allows you to financially recover from damages, medical expenses, or legal liabilities that may occur.
Motorcycle Insurance
What is Motorcycle Insurance?
Motorcycle insurance offers financial protection against physical damage and/or bodily injury resulting from traffic accidents, as well as liability that may arise from the actions of the motorcycle operator.
Additionally, motorcycle insurance can provide coverage against theft and damage from incidents other than traffic collisions.
Motorcycle Insurance Coverages: There are several types of motorcycle insurance coverages, some of which may be required by law, while others are optional. The primary coverages include:
-Accessory Coverage:Protects against loss, theft, or damage to motorcycle accessories such as saddlebags, custom handlebars, and OEM electronics.
- Comprehensive Physical Damage Coverage: Covers physical damage or loss of the motorcycle that is not directly caused by a moving vehicle collision.
- Collision Coverage: Pays for damages to an insured motorcycle resulting from a collision with another vehicle or object, or if the motorcycle overturns.
- Bodily Injury Liability Coverage:Covers damages for bodily injury or death resulting from an accident for which you are at fault, and provides you with legal defense. This includes passengers riding on your motorcycle.
- Property Damage Liability Coverage:Pays for physical damage resulting from an accident for which you are at fault and offers legal defense.
- Medical Payments Coverage:Covers medical expenses for individuals riding on the motorcycle involved in an accident.
- Personal Injury Protection Coverage:An optional extension available in some states, this coverage pays for medical expenses and, in some cases, lost wages and other damages, regardless of legal liability.
- Uninsured/Underinsured Motorist Coverage: Provides compensation for injuries sustained by a motorcycle operator due to an accident with an uninsured or negligent driver, covering the difference between what the uninsured or underinsured driver can pay and what the injured operator would be entitled to if the other driver had proper insurance.
- Motorcycle Roadside Assistance Coverage:Offers assistance for operators whose motorcycle experiences mechanical failure, leaving them stranded.
Contact us to find out more about the right motorcycle insurance for your needs.
RV Insurance
What is RV Insurance?
RV insurance is designed to cover various recreational vehicles, including motor homes, fifth-wheel trailers, Airstream travel trailers, mounted truck campers, and more. This specialized insurance provides features tailored to the unique needs of RV owners, such as contents coverage.
Recreational Vehicle Insurance Coverages
There are six main types of coverage available, some of which may be legally required while others are optional:
- Bodily Injury Liability: Covers injuries that the policyholder causes to another person.
- Medical Payments or Personal Injury Protection (PIP): Covers medical expenses for the driver and passengers of the policyholder’s vehicle.
- Property Damage Liability: Covers damage inflicted by the policyholder on someone else's property.
- Collision: Covers damage to the policyholder’s vehicle resulting from a collision.
- Comprehensive: Covers damage to the policyholder’s vehicle not caused by a collision, including incidents such as fire, explosions, earthquakes, floods, riots, and theft.
- Uninsured Motorists Coverage: Covers expenses from an accident involving a hit-and-run driver or a driver without insurance.
- Contents Coverage: Protects against damage or loss of items inside the recreational vehicle. This coverage is usually purchased with a specific limit for claim payouts.
Contact us to learn more about the right RV insurance for you.