When it comes to a Texas car insurance policy, everything other than liability coverage is considered optional coverage, however, most people don’t think that way. With that in mine, last week, I outlined four car insurance options worth considering (see https://wiseinsurancegroup.com/texas-car-insurance-options-part-1/). Here are four more that may be of interest to you.
I was reviewing a car insurance quote with a woman from Richardson last week, and she asked me a question after I confirmed her claims history. She had one claim for an accident that wasn’t her fault. Her question was, does an accident that wasn’t her fault still count against her?
The straight line winds that struck Dallas last week sheared limbs from trees and blew a lot of trees over. Some had their trunks snapped while others were simply pushed over exposing their roots by the 75 plus mile per hour winds. When the trees fell, they landed harmlessly on a person’s yard, or they landed on the homes they shaded, cars parked in the driveway, or other structures. Seeing the destruction a tree can cause, I was reminded of a claim I saw early in my career.
You and three of your best friends are headed to the Texas Hill country for a weekend to get away and catch up with each other. You’ve been looking forward to it for weeks! It’s been a very long week with late nights to wrap up a project before heading out of town and you’re tired. You ask one of your friends to drive your car while you rest. They accidentally clip another car while passing. No one got hurt, but it’s your friend’s fault and your car.
A client called me last week with a question about how to handle something. Her teen had been in a little accident with an adult, and it was the adult’s fault. The good news is the teen was unhurt and the damage to her car was minimal; the bumpers simply rubbed together. According to the body shop the client visited, they could either remove, sand, and repaint the bumper or replace it. The difference in cost was minimal.
It’s hard to believe but summer’s only 5 weeks away and that means summer vacations are almost upon us. One of the questions I’m asked a couple of times a year by a client is whether or not their car insurance covers a rental car. It’s usually asked by someone who’s getting ready to go on a trip and rent a car in their destination.
Chevrolet and its parent company, General Motors, have been in the news a lot lately. In February they recalled more than 1.6 million small cars due to faulty ignition switches, and announced another recall of 1.5 million vehicles on Monday, March 17. The ignition switch defect is attributed to 12 deaths and culminated in multiple investigations.
I received a call from a client last year. She’d been in an accident and like most people I’ve worked with, wanted to know what to do. I confirmed she was not physically hurt, we reviewed what had happened, provided her with her car insurance policy number and the phone number for claims, then outlined a plan on how to best proceed. She drives a Lexus RX series so she had the car delivered to the shop of her choice which she gets to do according to Texas state law.
John Hooper’s story hit the internet last week. He was the proud owner of a 580 horse power 2012 Chevrolet Camaro ZL1. John took his Camaro to the local dealership, First State Chevy in Georgetown, Delaware, for warranty work on an issue with the car’s paint. One of the dealership’s employees took his car for an unauthorized joy ride on a Sunday in December when the dealer was closed.
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