What Happens When You Are In An Accident With Someone Without Auto Insurance?

Even if you have the legally required amount of auto insurance in Texas, there is no guarantee that you will not get into an accident with someone who does not. Accidents happen but if you are in one with an uninsured or underinsured driver who is at fault, you may be covered with certain policies and you do have options. These tips from Integra Insurance Services serving Huntington, TX to better protect yourself before an accident. 

Collision Insurance May Pay for Repairs

Collision coverage is something you can add to your existing auto policy. It will pay for the repairs to your vehicle if you are hit by someone without insurance. It will only apply to the repairs and not any injury, though. 

Consider Uninsured and Underinsured Motorist Coverage

Uninsured motorist insurance is an addition to your auto policy that can help pay for damages in an accident with another driver at fault and no insurance. The coverage can only be as much as your liability coverage in the policy. Underinsured motorist insurance can help pay for damages, injuries, and more if you are in an accident with someone who does have insurance but not enough to pay for your damages and injuries. Both policies are only able to be used when the other driver is found to be at fault.

File a Lawsuit

If you have already been in an accident with someone who does not have insurance or enough insurance and you do not have these types of coverage, there is still something you can do. You can file a lawsuit against them and get a judgment. One thing to keep in mind is that you may not ever get any money from the other driver but you can try with this method. 

Integra Insurance Services serving Huntington, TX, is here to help you in these types of situations as well as ensure you are properly insured. 

Home-Insurance: Confusing Terms

Anyone with a home in Huntington, TX knows that home insurance is a must for protecting the property against catastrophic loss. Unfortunately, home insurance premiums can vary wildly, surprising homeowners everywhere. What are some of the factors that home insurance companies consider when calculating the rate?

First, many people don’t realize that pets can impact a home insurance rate. While dogs are a man’s best friend, insurance companies don’t look kindly on all dog breeds. Some dog breeds, such as Dobermans and Rottweilers, are aggressive dog breeds by nature. This leads to an increased chance that these dogs will potentially bite a family member of neighbor. This can lead to insurance claims that the company needs to pay out. To leverage this risk, home insurance companies will increase premiums.

Next, the potential for fire damage plays a major role when insurance companies decide premiums. If a home is close to a fire station, the owner will be rewarded with a lower premium. Furthermore, if a fire hydrant is nearby, this could also lead to a lower home insurance rate. This is because fire damage can lead to an insurance company paying substantial financial claims to replace lost or damaged property. If a fire station or fire hydrant is close to the property, the fire will be handled sooner and result in a lower financial cost to the owner and the insurance company.

Finally, home maintenance costs are a major factor in home insurance costs. Out of date water heaters, pipes that drip, inadequate water seals, and leaking roofs are all aspects that insurance companies frown upon. This is because poor maintenance can lead to major home damage that can cause insurance companies to pay out substantial claims. Keep homes in good repair to minimize home insurance premiums.

There are common factors that insurance companies in Huntington, TX take into account when deciding on home insurance premiums. Rely on the tips above to keep home insurance costs to a minimum.

 

 

Your Huntington, TX auto insurance agent can give you great policy advice

When you get an insurance policy, there is more to the issue than just picking one from the first Huntington, TX company you talk to. You may not even want to pick the policy that is least expensive. Instead, you can talk with independent agents like the ones at Integra Insurance Services, so you can find what works for your budget and your auto insurance needs. You want to protect your car, truck, or SUV, but you also want to make sure you’re paying a fair price and that you’ll have good coverage if something goes wrong or you get into an accident.

Choosing to work with an independent agent means seeing quotes from several companies. That could mean insurance that is a lot cheaper, and that still provides you with the level of coverage you really want. That way you won’t have to spend too much in order to be financially protected when you’re behind the wheel, or when your car is unattended and at risk for things like theft and vandalism. There are plenty of companies that service the Huntington, TX area, and your insurance agent can give you good advice about which of their policies may be right for you.

Getting a policy through Integra Insurance Services means you will get plenty of information from your agent. That can include pricing, but also the types of coverage offered to you and what they mean for your financial protection. You may want only the state minimum coverage, but if you have a newer car that is more expensive it may be better to have more coverage. It could also be required if you finance or lease your vehicle. With the right agent on your side, you’ll feel confident that you got good advice and chose the right policy for your auto insurance needs.

Taking Care of the Great Outdoors – Fall Maintenance for Your Outdoor Spaces

A Fresh Look At Your Outdoor Space

With the changing of the season’s it is a perfect time to reimagine your outdoor space and make it everything you want it to be. the professional employees of Integra Insurance Services recognize that your home is important to you  as well as your outdoor spaces. Here is a short list of different things you can do to make your outdoor space a beautiful and safe one.

Do It Big!

If Texas is known for doing everything big we want Huntington, TX to be known for doing everything big and doing everything right.

In Huntington, TX we have the luxury of leaving all of our outdoor furniture out for the colder seasons. As long as you secure items that tend to move with a strong wind, you are rest assured to enjoy the space year around.

  • decorate with earth colors,
  • add a different set of throw pillows to patio furniture.
  • set up a low-cost, do-it-yourself scarecrow to make the season cozy while adding the right amount of warmth.
  • a firepit is just the thing for those colder days. Making one is easy and tutorials abound on the internet. If you have a couple of hours you can be enjoying your firepit in time for the weekend.
  • make certain all debris and leaves are cleaned regularly and lawns are maintained. This is the best way to be picture perfect ready for Spring and to enjoy your outdoor space safely without the threat of  a slip and fall.

An integral part of enjoying your home is having peace of mind. Let Integra Insurance Services help you handle the responsibility of all of your insurance needs, Contact us today to schedule an appointment.

Is It Ever Safe To Drive Without Insurance?

So your insurance has lapped or you can’t afford it this month or maybe it’s a new car and you’ll get around to insuring it when you’re up to the task, and you’re wondering: Is it ever safe to drive without insurance?

If you’re talking about getting around town in an uninsured vehicle, then no, it’s never safe to drive without insurance. If you’re driving on your own property, if you’re taking a car for a test drive around a parking lot before you buy, then maybe you don’t need to worry about insurance too much, but if you’re using your car as, well, a car, if you’re getting to and from work in it, picking up groceries, getting out on the highway, then there are simply too many risks.

You can take those risks into your own hands if you like. We’d advise against it, but maybe you can get away with driving uninsured. Maybe you’re a tremendously talented driver and you’ll never be found at fault in any accident ever. Maybe all the other drivers where you live are just as talented, and they’ll never come out of nowhere and t-bone you. Maybe the police in your town are friendly and helpful and they’ll never pull you over at a random checkpoint, and when they stop you to tell you you have a tail light out, they won’t even ask to see your proof of insurance. Maybe nobody will ever vandalize your car.

But… that’s a whole lot of maybes to rely on just because you didn’t feel like giving Integra Insurance Services a call, isn’t it?

Preparing Your Home for Fall

According to the calendar, fall has officially arrived.  Whether or not that means much in East Texas is debatable.  We may experience another month or two of warm weather, or get hit with a “cold” front soon.  The one thing we do know here at Integra Insurance Services of Huntington, TX is that is no matter how unpredictable the weather might be, it is always a good idea to be prepared.  Is your home ready for fall?  If not, here are some tips to help you prepare.

Clear Debris from Roofs and Gutters

Roofs and gutters tend to collect leaves, branches, and other debris.  Clear these items out regularly throughout the fall. Debris can build up and clog gutters and drains causing drainage and water issues if left unattended.

Tackle Large Outdoor Projects

Does your garage need cleaning out or flowerbeds cleared?  Yes, Texas can be unpredictable, but it is likely that we will have  pleasant weather ahead.  And while this is a great time to enjoy outdoor activities, it is also a good time to tackle a project that it was too hot to do over the summer.

Fire and Safety Checks

Is your fireplace clean and ready for a fire?  Are your smoke detectors working?  Or should you be concerned about the levels of carbon monoxide from your furnace?  Now is the time to prepare for when it does begin to get cold.

Seasonal preparation is just one of the ways to keep your home in shape throughout the year.  At Integra Insurance Services of Huntington, TX, we believe that preventative measures help to ensure your home is protected.  The right home insurance plan also protects your investment.  Contact us today to learn more about the home insurance plans we offer.

The Key To Protecting Your Business is Commercial Insurance

As a small business owner, you know that everything you do has a monetary value: from the time you spend talking to customers and clients, from turning your office lights on and off. One of the important things to fully understand when owning a business is risk management. This is where a solid commercial insurance package can help you out.

Risk happens every time you open your front doors in your business. A customer could slip and fall on your premises. A fire could break out in your break room. Accidents can and do happened. The time you spend having to deal with these kinds of issues is the time you are not making money for your company.

Commercial insurance has several different levels of coverage depending on what you need for your particular type of business. Coverage that a storefront business would need is much different than what an office-based business needs. If you run a home-based business, but use a company vehicle, you will need different coverage than if you ran a restaurant.

No matter what kind of insurance needs you have, insurance coverage is designed to protect you and your assets in times of trouble. 

Contact your local Integra Insurance Services agent today if you are a small business owner. They can help you understand the different types of policies and options available for your business. They can give you quotes and help you figure out what kind of policy will fit your budget. 

Integra Insurance Services is just an email or phone call away. You can contact them toll-free at 1-800-655-2159 and get the most up to date information on commercial insurance at competitive rates.

Texans: Why Insurance Makes the Boat Ride That Much More Enjoyable

Boating is a universal activity for people nationwide. During the summer, friends and family can enjoy a lot of activities – fishing, tubing, swimming, and even just relaxing in the sun. As many people can easily attest to, however, it’s unfortunately all too easy for a fun boat ride to transform into a ruined day in a matter of moments. Motor breaks down, get into a collision with another boat or another foreign object, etc. could see you paying a pretty penny just to get some normalcy going with your boating. Integra Insurance Services understands that desire all too well.

Depending on the state a boater resides in, they may have to fulfill a mandatory boater education course and be approved before they can take to the water with their boat – and this is the case with Texas boaters. These educational courses will work to ensure that all potential boaters are made aware of important safety rules and regulations as well as ensure that you are able to actually operate the boat competently. For prospective boaters, the idea of doing all of these courses and passing can be an intimidating process, which may keep boaters off of the water – or worse, have them try to skirt their responsibilities entirely and not even get the proper boating insurance. At Integra Insurance Services. we don’t want to see either happen, so we aspire to make sure to help the Texas Parks & Wildlife Department by getting all of you prepped for when you do go out to take this course.

Boaters in and around the Huntington area who are interested in boating and need to get some brushing up on your knowledge or do not have your first clue about it, make sure to contact Integra Insurance Services online or by phone at  (800) 655-2159 right away so we can help you enjoy the ride.

Why Do I Need the Protection of a Homeowners Insurance Policy?

Your home is a major investment.  Homeowners insurance protects that investment should events occur that damage or destroy the home or the owner’s personal property.  Typically, homeowners policies that are purchased in Texas cover damages to the house.  They will also cover personal property and other structures, such as sheds or fences, that are located on the property.   Should your home become inhabitable due to damage, the policy will cover the additional living expenses such as hotels and food that will be incurred.  Homeowners policies also protect the homeowner from personal liability in the event the are responsible for someone’s injury on their property.  In some cases, the policy will also cover any medical expenses related to an injury on the property. 

There are two primary types of homeowners insurance policies available in Texas:  all risk and named perils.  All risk policies, also called comprehensive coverage, cover all risks unless specifically stated.  Named perils policies provide coverage only for specifically defined threats.  The policy will outline whether is provides for replacement cost or actual cash value.  The replacement cost is the cost to rebuild or repair the home if it is damaged or destroyed.  This figure will be based on current construction costs and does not include the land’s value.  Actual cash value represents the cost to rebuild or repair the home less the depreciation due to age.  Homeowners should talk with their agent to determine the most appropriate type and level of coverage for their individual situation. 

The agents at Integra Insurance Services serve homeowners in the Huntington, TX area.  They are able to discuss the available homeowners insurance options.  Contact them at 800-655-2159 to protect your home today!

Full Coverage or State Minimum?

Do you know if you want full coverage or just the minimum required by your state when it comes to auto insurance?  People use the term full coverage pretty loosely.  That being said, do you have a complete understanding of what full coverage actually means?  It might not be exactly what you think.

Full coverage isn’t actually a certain type of coverage that is offered to customers by insurance carriers.  There is no full coverage box for your agent to check on your policy.  This is a term that has evolved when it comes to the industry of insurance but there isn’t a set of rules for carriers to follow for it and as such, it can be interpreted in a variety of ways.

Basic Full Coverage

Every state in the US has laws regarding auto insurance.  The core of it is that you must have at least some.  The requirements as to how much and what type will vary from state to state. Typically, though, most states will require liability for property damage and personal injury.

Full coverage insurance will typically enhance that coverage by adding comprehensive coverage to it.  This can be used to cover things that can occur with your vehicle that don’t necessarily involve a collision. Most of the time, you cannot have what is deemed to be full coverage without this type of coverage.

If you are in the Huntington, TX area and have questions about auto insurance, call or come by Integra Insurance Services today.  We are staffed with friendly and knowledgeable agents who can help you gain a better understanding of the types of coverages that are required in Texas as well as what types of coverage you will need beyond that.  They are ready and waiting to help you as soon as you contact them.