What Are The Auto Insurance Requirements For New Drivers In Huntington, TX

If you’re a new driver in Huntington, TX, you’re still learning about various state requirements linked to vehicle ownership. Here’s a brief overview of the state’s legal expectations for new drivers.

Minimum Texas Auto Insurance Requirements

Texas drivers have one legal requirement to fulfill: financial responsibility. This is met with a policy that includes liability coverage. In case of an accident, this covers:

  • The medical expenses of the driver
  • The medical expenses of the driver operating the other vehicle.
  • Car repairs or replacement.
  • Car rental for the other vehicle’s driver.
  • Funeral expenses.
  • Lost wages and other compensation.

Each policy varies in the dollar amount it covers.

Minimum Requirements For new Drivers

There are no special requirements for new drivers in the state of Texas aside from financial responsibility. Since most new drivers are teens and young adults, it’s common that insurance providers like Integra Insurance Services allow parents to add new drivers to their policies. students living away from home during the school year can also remain on their parents’ policy.

When young drivers are added to their family’s auto insurance policy:

  • The premium will likely increase.
  • The deductible limit will also be readjusted.
  • The young driver will get a separate premium rate if they own a car in their name.
  • If the new driver does not own a car, the premium rate on the most expensive family car will increase.

It’s generally true that auto insurance for new drivers is much more costly than coverage for seasoned drivers. If parents choose to save money by not naming their young adult drivers on their policy, they are likely to pay a penalty equal to the rate of a new driver’s premium. Still, adding a new driver to an existing policy is usually cheaper than taking out individual coverage.

Contact your friendly Integra Insurance Services agent to buy your first auto insurance policy as a new driver. You can also ask about adding a young driver to an existing policy.

 

When Should You File a Home Insurance Claim?

Deciding on when to file a home insurance claim in Huntington, TX can be tricky business. Sometimes claims on your insurance can cause premiums to go up and filing a claim isn’t always in your best interest.

Don’t file a claim if the repair you want to be covered won’t exceed your deductible. For example, if you have a $1,000 deductible and someone breaks into your house and takes your iPad, it will cost less to replace your iPad then it would for you to pay the deductible. If you go through insurance you will have a theft claim on your report and you didn’t even save any money. Pay for the repairs on your own if the cost of the repairs is relativity minor compared to your deductible. For example, if your repair or claim is going to only cost a few hundred dollars more than your deductible, you are better off not filing a claim and paying out of pocket. If you have filed claims in recent years, be careful about filing new ones. The number of claims you file can negatively impact rates. Think about the costs of the claim in this instance as well. If the claim is related to a maintenance issue you should have fixed earlier, such as replacing a rotting fence or repairing a damaged roof, you should think twice. If the claim is related to an event your insurance company doesn’t cover, then not only will you not get money, but you will also have a claim on your record for no reason.

If you aren’t sure if you should file a claim or if something is covered, ask your agent at Integra Insurance Services and contact a contractor to see what the costs of repairs will be.

Of course, you should file a claim if the event in Huntington, TX is covered by your insurance and the amount of repairs exceeds the deductible. If you haven’t filed a claim in years, you shouldn’t be penalized for using insurance the way it’s supposed to be used.

Contact Integra Insurance Services to receive a quote on homeowners insurance.

What should i do if I’m in an auto accident?

Driving in Huntington, TX certainly feels like a necessity, and accidents happen to the most careful drivers. Being in an accident is stressful, and can even be frightening, so it is important to think ahead about what to do if you are ever in a crash.

Stay at the Scene 

Stay calm, and stay as close to the crash as possible. If your vehicle is obstructing a motorway, it is okay to move out of the way of your vehicle can be moved so that traffic can keep moving. 

If anyone is injured, that is your first priority. Render aid if you can, and call 911 so emergency help can come. 

Exchange Information 

In Texas, all drivers are responsible for any damages they cause during a crash. By law, you will need to give your information (like name, contact information and driver’s license number) to any other drivers involved, including any identifying information and insurance information, such as your insurance company and number. 

This is also the time to preserve the scene. Take pictures, and get the names and contact information of any witnesses. 

Report the Accident If Necessary 

If a police report wasn’t filed, you may need to report the accident yourself within 10 days to the  Texas Department of Transportation. You can always ask your agent at Integra Insurance Services for assistance in doing so.

If you are a driver in Huntington TX, you will hopefully never have to deal with the aftermath of an auto accident. At  Integra Insurance Services, we will help you get the right coverage and then help later with any claims. Call today if you have any questions or just want a free quote. 

Your Collectibles Business Is An Adventure; Make Sure The Right Toy Insurance Keeps Things Fun

While sometimes egos will leave the collectibles dealer feeling like Indiana Jones going after the Ark Of The Covenant, the reality is a little more down to Earth. Cheap motels, unhealthy food, and indigestion tend to be the everyday substitute for lavish locales, exotic food, and beautiful companions.

All collectibles dealers have great hats while hunting and lugging inventory around the country. And like the Ark Of the Covenant, if anything can get in the way of getting that inventory home safely, it will. Plus once its home, all sorts of misfortunes can befall the treasures.

That’s why Toy Insurance is an important part of a dealer’s toolkit, more important than the hats. Toy insurance is the general term for the type of insurance that covers the prized collectibles, both those in the hands of collectors and the dealers without whom these unique objects of the past would be all the rarer.

At Integra Insurance Services of Huntington, TX we understand all the unique niches of insurance for small businesses, including Toy Insurance. Whether you’re a dealer in classic car collections of the 1:1 scale variety (real cars) or 1:64 (Hot Wheels), we have the insurance that’s right for your business. Among the other types of collectibles for which we can find insurance coverage are fine wines, fashion, music memorabilia, movie posters, sports, toys, television memorabilia, and much more.

Just some of the issues faced by collectibles dealers are risks associated with the transport of goods. Accidents and weather can damage inventory before it even gets to your shop for final assessment. Once domiciled at your business location, inventory is still susceptible to the elements, as well as theft and vandalism.

If you’re a dealer in the Huntington, TX area contacts Integra Insurance Services today. We are experts at insuring your inventory the right way.

Do you need boat insurance for jetskis and other watercraft?

It is a good idea to have adequate insurance for everything that people either get into, sit in, or ride on that goes into the water, which is powered by an engine or propelled through the water by a motor. This includes yachts, boats, and other personal watercraft (PWC) such as Jetskis, Sea-Doos, and Waverunners etc. Insurance companies make a distinction between the different categories, so it is best to have a discussion with your agent at Integra Insurance Services, serving Huntington, TX and the surrounding areas, about the type(s) of insurance coverage you need.

Talk With Your Agent to Avoid Gaps in Coverage

Many boat owners who use their boat for recreation also have PWCs. Boat insurance may or may not cover any PWCs. It may need to be extended to gain adequate coverage or you may need an additional policy just for the PWCs. This is why it is so important to talk with your agent in order to avoid gaps in insurance coverage that you may not be aware of, which might exist.

Differences between Commercial and Recreational Use

Tell your agent about all the things that you want to be covered. Make sure to talk about both recreational and commercial uses (if any) that might occur. A commercial use may include such things as renting out the boat to others, taking people on paid tours, or using it for commercial fishing trips.

Letting Others Use Your Boat or Personal Watercraft

Be sure to discuss with your agent if you plan to let others use your boat or PWC. Additionally, it is important to consider the transportation to and from the water if your boat and/or PWCs are stored on shore and what kind of storage facilities are used.

Call your agent at Integra Insurance Services in Huntington, TX to get an annual boat insurance review that provides coverage for your boat and/or PWCs. Then, you can go have fun with the confidence that you have adequate protection for the unfortunate things that may happen.

Insurance That Small Businesses Are Overlooking

Small businesses in Huntington, TX likely have a basic insurance policy, but there are other lesser-known policies that may be important. An agent at Integra Insurance Services can help you find a general commercial liability policy and discuss your business risks to determine if these policies are right for you.

Cyber Insurance

Hacking has grown and it doesn’t take long to deploy some malware, and small businesses can be the target. Cyber insurance can help cover incident response costs, but it will also cover expenses from any losses, which can include business interruption, data recovery costs, liability coverage, and settlement coverage.

Professional Liability

For business owners that provide a service, this insurance protects you from a client that is unhappy. If someone thinks you are negligent, this policy could kick in if you are sued. General liability will not cover dissatisfaction. Personal liability for homeowners insurance won’t cover anything professional. Depending on the industry, you may need a policy that is more unique. For example, errors and omissions insurance covers service providers for any mistakes they make.

Inland Marine Insurance

Despite its name, this coverage is necessary for any business that is going to have its inventory on the move. Most property insurance only covers inventory within 500 feet of the business, so if a boat, truck, or airplane is moving product around the country, this type of policy can cover it.

Contingent Business Income Coverage

This policy will help cover your business if there is a loss of income due to damage or loss somewhere else. For example, if a part maker goes out of business, then this policy kicks in.

Employee Non-Owned Car Insurance

If your business has a car, regular commercial auto insurance is only vehicle-specific and doesn’t travel with the driver. If the employee is in his or her own car, their personal auto insurance policy would cover them. However, you could still be named in a lawsuit and having a commercial policy will protect you.

Contact Integra Insurance Services serving Huntington, TX for a quote on commercial insurance.

Do I Need Toy Insurance in Texas?

Everyone wants to have fun in life. Such is the reason why you invest in things such as all-terrain vehicles (ATVs) and boats that go fast. Fun and games can turn catastrophic at any time, though, which is why you need to have toy insurance to pay for accidents on and off the road in Huntington, TX. Integra Insurance Services can help you find the best option for your situation.

What is a toy or recreational vehicle?

A recreational vehicle is not just a motorhome. Motorcycles, as well as golf carts, are also considered autos used for leisurely purposes. You do not, after all, intend to drive a golf cart in the central part of town unless you live in a secluded area such as an island. Many residents of Huntington, TX invest in ATVs for off-road fun, and classic cars are every retired person’s treasure. Dune Buggies, watercraft, Jet Skis, and boats, in general, are also considered recreational vehicles that require a special type of insurance coverage.

What type of coverage should you get?

Most toy owners purchase general liability insurance that pays for bodily injury and property damage. Comprehensive and collision plans are also viable options since they cover everything from damage caused by inclement weather to a fire that ravages through your garage and burns your ATV to a pulp. Collision insurance, in particular, is vital because it pays for damages caused to your property when you hit another person or object. This option is not available to those toy owners who want to find the cheapest way to be insured on and off the road.

You have worked your entire life to invest in something that satisfies your pleasures on the road. Why not choose a toy insurance plan that covers you from the front of your vehicle to the back? Integra Insurance Services can help you find the right policy. Call them today for a quote!

What is Included In Toy Insurance Policies?

The area around Huntington, TX is perfect for outdoor enthusiasts to enjoy their dirt bikes, ATVs, 3-wheelers, and other motorized toys. Integra Insurance Services offers toy insurance policies to protect your leisure time machines. Here are some facts about ensuring your motorized toys.

  • Toy insurance covers all of your motorized toys. Boats, motorcycles, trikes, and other non-passenger vehicles may be included in these policies.
  • The state of Texas requires certain motorized toys to carry insurance coverage. Insurance coverage must include at least $30,000 in bodily injury coverage and $25,000 to cover property damage. Drivers are also required to wear safety helmets when operating these vehicles.
  • Many motorized toys, though not used for regular commuting or travel, still need to be registered with the Texas DMV. As with other vehicles, you will need a title of ownership to register your motorized toy.
  • The minimum coverage required by the state does not cover your equipment. Your insurance agent can customize a policy that pays for any loss or damage you or your loved ones may experience while operating a motorized toy.
  • Comprehensive toy insurance policies protect owners from theft, fire, vandalism, and other events that can damage your equipment and threaten your fun.
  • When your equipment is in storage and not being used, your insurance coverage can be temporarily interrupted. That way, you won’t have to pay premiums for things you aren’t currently using. However, this may leave your toys uncovered in the event of a theft or natural disaster.  Your insurance agent can give you additional ideas on how to protect stored vehicles with insurance policies.

Integra Insurance Services provides toy insurance policies for residents in the Huntington, TX area. Contact our experts today to learn more.

Can You Be Denied Homeowners’ Insurance Because of a Dog

Does it make noise? Does it shed? Does it smell?  These are some of the things that will be troubling your mind when you decide to adopt a dog as a pet. However, you may not be thinking about the potential problems that your dog pet may cause to your homeowners’ insurance policy in Huntington, TX.

Keep in mind that your dog is part of your family and the insurance company such as Integra Insurance Services must view it objectively no matter how cute it looks. Even the best-trained dogs can be unpredictable and can cause harm to people at any time. Therefore it’s crucial to understand the fact that you can be denied a homeowners’ insurance because of dog but the decision will depend on the type of dog in your home.

Why Do Insurance Providers Refuse Coverage for Dog Owners?

Statistics indicate that dog bites usually account for more than one-third of all homeowners’ insurance liability claims in the United States. Typically, dog bites are expensive, and insurance providers try to avoid scenarios where they are forced to pay numerous liability claims filed as a result of dog bites.  Although owning a doesn’t lead to automatic denial of homeowners’ insurance policy, it could lead to higher premiums since you are considered as a high-risk client.

Does the Breed Matter?

Yes, the breed of your dog is a crucial factor when it comes to restricting home insurance because of dogs.  A high number of home insurance providers in Huntington, TX won’t cover muscular canines that can cause severe harm to people from a single bite. Some of the common dog breeds that have been blacklisted by several insurance providers include:

  • Akitas
  • Chows-chows
  • Pit bull-type breeds
  • Rottweilers
  • German shepherds
  • Mastiffs
  • Dobermans

However, it is good to mention that a liability claim can come from any breed regardless of what you think about your dog. Contact Integra Insurance Services today for your homeowners’ insurance policy.

What is toy insurance

The only difference between kids’ toys and grownups’ toys is in the price range and the size. It’s important to protect your pricey toy by having toy insurance with Integra Insurance Services. Even though they are labeled as toys, these highly technical machines such as sailboats, motorcycle, snowmobiles, classic cars, RV, all-terrain vehicle, and crafts, can cause immeasurable damage to both people and property. Huntington, TX has wonderful weather for outdoor activities, thus making the need for proper coverage for your toys critical.

Toys are often used in very unconventional ways like off-roading and speeding. This increases their chances of getting into accidents. Neglecting insurance for your toys could lead to costly consequences. These toys are used for different purposes and in different manners, so insurance coverage may vary across each model; even so, most of them will include the same coverage options like:

Liability: Takes care of bodily injury liability and property damage liability towards a third party in case you cause an accident.

Collision: Covers damages when your toy is hit or hits another toy or object.

Comprehensive: Takes care of damages/losses that aren’t due to collisions such as fire, vandalism, and theft.

Underinsured/uninsured: This coverage takes care of your injuries and those of your passengers in case an Underinsured/uninsured driver causes an accident. Plus, it can help during hit-and-runs.

Whether you are in the lake relaxing in your boat, riding with friends, or enjoying a road trip with your family, it’s important to protect what you have worked so hard to acquire.

At Integra Insurance Services, we offer customized toy insurance policies in Huntington, TX and its environs to suit the specific needs of your toys at affordable rates. Protect your toys from unforeseen circumstances. Contact us today and get a quote or for any inquiries.