Month: February 2014

Can I Claim my Integra Lufkin, Texas Insurance Company When an Employee who is Fired for Being Constantly Late for Work Sues me for Wrongful Termination?

Posted on by AgentInsure

Running a company may result in being sued for wrongful termination when you are forced to fire an employee for any reason. Although you may be justified when your employee was consistently late for work, it is possible that the individual will try to take the issue to court. Fortunately, your commercial insurance in Lufkin, Texas may provide some coverage for the situation.

Evaluate the Details of Your Policy

Although many insurers may offer some protection against being sued for wrongful termination, the amount of coverage that is available and the details of your plan may vary. Review your policy to determine if you are covered for the situation and how much coverage is available on your current plan.

Consider the Situation

If an employee is late due to an accident or a similar reason, then it may be possible that firing the individual is a poor decision at the time. It may be construed as being fired for the accident and injury rather than the fact that the individual was consistently late for work.

The situation may or may not play a role in your ability to make a claim on your insurance. Some insurers may have a clause or exception that is associated with the situation and the reason that you are being sued, so the details of your situation and the proof that you must provide can vary.

In many cases, insurers will allow you to make a claim on your policy if you are being sued after firing an employee for any reason. Contact us to talk to an independent agent to learn more about making a claim on your policy.

My Recreational Vehicle was Manufactured in Another State. Will my Policy Pay to Move it to the Manufacturer for Repairs if I Have a Covered Loss in Lufkin, TX?

Posted on by AgentInsure

The loss of an RV can seem complicated to repair. Unlike auto accidents, which may turn to any local mechanic or professional for repairs, an RV might need to go to the manufacturer to make appropriate repairs on the vehicle. Depending on the insurance policy that you purchased in Lufkin, Texas, you may or may not have protection for the transportation of the RV when you are taking it to the manufacturer in another state.

Review Your Plan

Every insurer and policy has different details associated with your coverage. Although you may be covered for the transportation costs to the manufacturer, the insurer may have a variety of factors associated with the covered loss that impact your ability to make a claim.

Look for Exceptions

When you are evaluating your policy, take a few minutes to look for any exceptions or clauses that may limit your coverage. Even through a loss may be covered under your RV insurance policy; it is possible that the transportation expenses are not covered due to an exception or a clause.

In some cases, an exception may only apply if the vehicle must leave the state. Other insurers may apply an exception in every situation, regardless of whether the manufacturer is located in Texas or a different state.

Transporting your recreational vehicle to the manufacturer after an accident or any other covered loss may or may not allow you to make a claim. You may even discover that you are partially protected and can only get a reimbursement for a percentage of the transportation costs. Contact us to talk to an independent agent to learn more about protecting your RV.

Can a tourist purchase a car in the Lufkin, Texas and insure it himself?

Posted on by AgentInsure

If you’re a tourist on an extended vacation who wants the added freedom of mobility that having a car offers, you might be tempted to buy one in Lufkin, Texas and take care of the insurance yourself. This is doable, but the process is far more complicated for a foreign tourist than it is for a U.S. citizen with the proper credentials.

For starters, most insurance companies require a state-issued driver’s license in order to establish an auto insurance policy. If you do find a provider that’s willing to work with you, you may end up paying higher rates than an average U.S. citizen would. These providers may also require you to have an international driver’s license (which you have to apply for before entering the U.S.) along with a driver’s license from your home country.

Most states also disallow the use of temporary addresses or P.O. boxes in place of a permanent address for vehicle registration. You won’t be over to use the address of the previous owner either, nor will you be able to use his or her plates for the duration of your stay. The last thing you want to do is drive without plates or insurance – doing so is a criminal offense that could result in a steep fine or even jail time, plus your car will be impounded.

In short, buying a car as a foreign tourist is often more trouble than it’s worth. You’re most likely better off renting a vehicle for the duration of your stay. As your independent agent, we can help you answer specific questions about your auto insurance coverage, whether you’re at home or abroad.

I wasn’t at fault for the accident. How do I get my deductible back in Lufkin, Texas?

Posted on by AgentInsure

As your independent agent, it’s hard for us to determine where the fault lies without much more information about the auto claim and your deductible. The insurance adjuster will also have input into the accident, and at this point, we have no access to his accident report. If you are claiming that your car malfunctioned and ran out of control, or that the roadway collapsed, that may be a factor, but we don’t have this information. With a malfunction, the car will have to be properly checked out by your insurance company before any determination can be made.

Distractions such as talking on the phone, texting, eating, drinking, or trying to read a map and drive, etc., are frequently the cause of automobile accidents. We’ve even seen circumstances with accidents where men were shaving, and women were applying makeup while driving. This type of behavior is simply inviting trouble.

If you absolutely must make a phone call that can’t wait until you reach your destination, make sure you have a blue tooth so that your hands are on the wheel, and not on the phone. Keep the call short and to the point.

With situations such as bad weather involving rain, sleet or snow requires drivers to pay even more attention to the road and driving conditions. If you’re speeding, cutting in and out of lanes and you hit another car, it’s not the snow’s fault, it’s yours for not following proper driving precautions. If you’re driving in dangerous weather, get off the road…have something to eat…or check into a motel until it’s safe to drive.

No two states are the same when it comes to laws. This is why we encourage you to contact us about your Lufkin, Texas accident. There are classification of comparative negligence on the books with variations that depend on the state laws.