What is No Fault Coverage On Your Auto Insurance Policy?

Does your auto insurance policy have no-fault coverage? If you do not know the answer to the question, it is time to pull out your policy and dig for some information! No-fault insurance is critical in many states due to requirements, and also very helpful for your well-being in the event you have a car accident. Integra Insurance Services is here to help educate Huntington, TX drivers about no-fault insurance and the value it provides.

What is No-Fault Auto Insurance?

So what exactly is no-fault auto insurance, and why is it so important? Another common name for no-fault auto insurance is personal injury protection. What this insurance is going to do is to help to provide coverage for your medical bills, as well as the bills of your passengers, in the event of an accident. The coverage will apply whether or not you are at fault for the cause of the auto crash.

Your no-fault auto insurance coverage will see payment up to the limit on your policy. This will kick in after you apply any deductible listed on the policy. Other types of coverage you get include lost wages, funeral costs, burial, and more. All of this will depend on the details of your auto insurance policy and the insurance carrier.  

Learn About No-Fault Insurance

No-fault insurance will not cover damage to your vehicle as that comes from your collision coverage. It also does not kick in if your automobile is stolen. This unique coverage, though, helps many folks in Huntington, TX, and abroad. To learn more, talk to our team at Integra Insurance Services.

Does My Home Insurance Cover Termite Damage?

Texas has one of the highest concentrations of termites in the United States. The combination of heat and high humidity allows these destructive insects to thrive. If you are new to Huntington, TX, you may think that home insurance policies available through Integra Insurance Services cover damage that termites may cause to your home. However, most do not.

Why Home Policies Won’t Pay for Termite Damage

Although we offer home insurance policies from many different providers, most won’t cover damage from termites or any other insect because these companies consider damage from termites and other issues a form of neglect. As a homeowner, you are responsible for maintenance, not the insurance company. Insurance policies are designed to protect you from covered events detailed in your policy.

Are There Instances When a Home Policy Will Cover Termite Damage?

The short answer is yes. If termite damage results from a covered event, you could receive compensation for damage. However, you should not know that you’ll likely need to prove that the termite damage resulted from the covered event and not from an overall lack of maintenance.

How You Can Protect Your Home From Termite Damage

Frequently look for signs of termites in your home. These include mud tubes or tunnels in wood, damage to paint or walls, swollen floors or ceilings, and pest droppings. Keep stacks of wood and other materials where termites like to nest away from your home to discourage them from entering. Most homeowners have difficulty controlling termites independently, so hiring a pest control company that guarantees service is a sound way to protect your home.

Get Comprehensive Home Insurance

Integra Insurance Services serving Huntington, TX can provide you with comprehensive home insurance, including riders, for additional coverage. Contact us to learn more about your options.