How Auto Insurance Can Protect You in Huntington, TX

Driving a car on a daily basis in the Huntington, TX area is very common. Those that need to drive a car may take for granted how important this asset is. While it is easy to forget how valuable and necessary your car is, you need to make sure that it is properly covered by insurance. For those that are in Huntington, having a quality auto insurance policy in place can provide many different types of protection.

Gives Necessary Liability Protection

All drivers take on a lot of responsibility whenever they get behind the wheel. If you happen to cause an accident that leads to damage or an injury, you could be found liable. Due to this risk, you need to make sure that you are properly covered with a quality liability insurance policy. This is a state requirement to drive legally and could prove to be very helpful if you ever are found to be at fault. 

Protects Your Car

Beyond the liability coverage, you will also want to make sure that your car is fully protected. If you drive regularly or have a loan payment, you need to make sure that you have financial coverage if your car is damaged during an accident, stolen, or vandalized. A full collision and comprehensive policy will give you this coverage and peace of mind. 

The next time you are looking to protect your car and reduce your liability risk, you should speak with the professionals at Integra Insurance Services. The insurance team at Integra Insurance Services knows all about the risks that come every day you get behind the wheel of your car. They can then help you to build an auto insurance policy that will allow you to mitigate some of these risks. 

The Different Types of Auto Insurance

You might not have realized it when you purchased a classic car like a 1963 candy apple red Corvette Stingray or decided to dedicate your van to work deliveries, but you need different insurance for that special vehicle than you do for the 2018 Acura you drive to work. Let Integra Insurance Services of Huntington, TX help you learn the difference between regular auto insurance, vintage car insurance, and commercial auto insurance.

Regular Auto Insurance

This insurance policy type covers your day-to-day ride. If you buy the state minimum coverage, you’ll have general liability coverage and bodily injury or death coverage for the other party involved in an accident you caused. It will also pay damages to their vehicle. The amount of this coverage depends on the state and its legal requirements.

If you add to the basic policy, you might add comprehensive, collision, PIP, uninsured motorist coverage or rental reimbursement coverage. Comprehensive reimburses you if your vehicle gets stolen, you hit an animal, etc. or it gets damaged by a natural hazard such as fire, flood, hail, etc. Collision covers your car if you hit a pole or a tree. PIP stands for personal injury protection and it pays for medical care for you and your passengers regardless of who causes the accident. Uninsured motorist coverage pays your medical costs if the other driver causes the accident but had no insurance. In some states, it also covers vehicle damage. Rental reimbursement coverage pays for your rental car if you have to obtain one due to an accident rendering your ride undrivable. This is the type of coverage you need for your day-to-day vehicle.

Vintage Car Insurance

Vintage car insurance pays for the replacement of your classic or vintage vehicle if it gets totaled. It also covers replacement parts for repair and the repair costs. It only allows the owner to drive the vintage vehicle for a very limited amount of mileage, normally to and from classic car events and in parades. This equals about 1,000 miles per year.

Commercial Vehicle Insurance

A commercial vehicle insurance policy covers all the same items as a regular auto insurance policy. It only covers your commercial vehicle though. You have the same options as with your day-to-vehicle.

Call or come by Integra Insurance Services of Huntington, TX and talk to us about your auto insurance needs. If you have more than one vehicle type, you need more than one policy.

How do you apply for a VIN for a kit car?

Building a kit car is fun and exciting but to complete the process you have to register the vehicle, get a VIN number, plate it and insure it. While it sounds like a lengthy process, it really doesn’t take that long and you will have everything you need as long as you take photographs and keep your original receipts. The agents of Integra Insurance Services in Huntington, TX can help you with the process and make sure your new kit car is street legal.

Making It Legal

In order to legally drive your kit car on the road, it has to be plated and insured. To get your plates you will have to have a VIN number. You can apply for a VIN through the DMV. You will need a Statement of Construction, a Certificate of Origin (if possible), and a thorough inspection to ensure that it is roadworthy and safe to drive. You will also have to have an emissions test performed to show that the vehicle meets EPA standards.

Getting the Right Insurance

When you build a kit car, you are investing a lot of your hard-earned money and valuable time in creating something that is both fun and exciting. Don’t let all of your hard work be for nothing. Talk to your local insurance agent and get the coverage you need to protect your investment. 

In Huntington, TX, call the agents of Integra Insurance Services. They can help you find the right policy for your new kit car and make sure you have all of the insurance you need before you hit the road for your first adventure. 

What to do After a Car Accident?

The two main things to remember directly after a car accident is to remain calm and call 9-1-1 if there are any possible injuries that could be severe. Several other items need your attention right away after a collision.

Stay Calm

When you keep your cool, it’s easier to think straight and make rational decisions. This will also help to avoid a conflict with the other driver involved in the collision in Huntington, TX. You can choose not to speak to the other driver at all, or you can small talk with them and it may calm everyone involved.

Keep Everyone Away From Traffic

If there are only minor damages, you can move the vehicles to be out of the way of oncoming traffic. If they are not moveable, turn on your hazard lights. If no one is injured, make certain that all passengers are off the road and away from any traffic for their safety.

Don’t Move Anyone with Serious Injuries

If someone incurs serious injuries, especially if it is to their spine or head, then don’t move them as it could make the injuries much worse.

Call the Police and 9-1-1

Texas state law mandates that you call the police in any accident that involves property damages or injuries. You will get a police report, the officer’s name, badge number, phone number, and the police report number. The report number is an important part of filing an auto claim with Integra Insurance Services.

Get Contact Information on Witnesses

If there are any third party witnesses, ask them to wait until the police arrive to be a neutral part and give their account of what happened at the accident scene.

Don’t Admit to Being at Fault

Don’t apologize to the other party, but instead just cooperate with the other driver and the police.

Exchange Information

Exchange information with the other driver. You should each provide each other with your full name, insurance provider, policy number and the phone number for the insurance company.

Contact your Insurance Provider

Call your insurance provider as soon as you can, especially if there will be claims or there are injuries.

We realize at Integra Insurance Services in Huntington, TX, that it can be quite unnerving if you are in an auto accident, and we are here to help you. You can use our online rating tool, come by the office or give us a call to discuss your auto insurance needs.

What Auto Insurance Do I Need to Have

Owning a vehicle is a major responsibility. Due to the importance of the asset, you need to make sure that you have the right type of insurance coverage in place to provide you with the protection that you need. For those that are in the Huntington, TX area, there are several factors to consider when getting a new auto insurance policy.

Minimum Requirements

At the bare minimum, you need to make sure that you have coverage that keeps you in compliance with the state laws. In the state of Texas, you will need to carry liability protection whenever you are out on the road. The state will require that you have property damage liability coverage of at least $25,000 per incident as well as bodily injury liability coverage of at least $30,000 per injured person with a $60,000 incident cap.

Collision and Comprehensive

While you are only required by law to carry liability coverage, you also need to consider getting collision and comprehensive coverage. Since liability coverage only provides financial protection to others involved in an accident, these additional types of coverage could be a necessity. This coverage will provide you with coverage if your car is stolen, damaged, or if you are at fault in an accident. This type of coverage will likely be required if you took out a loan to buy the car.

Deductible

Finally, you will need to consider your deductible, which is the amount of money you will spend out of pocket before receiving any coverage on a claim. While a lower deductible provides less risk, it comes with higher premiums. If you have a higher deductible, you should make sure you have this money set aside.

If you are in the Huntington, TX area and are looking to learn more about auto insurance, you should contact Integra Inusrance Services to learn more. Integra Insurance Services will help you to better understand your auto insurance needs and can help you to get into a great policy. 

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.

 

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. 

Do we need a business automobile insurance policy if we rent instead of owning company cars?

Most people don’t realize that there are, in fact, many differences between commercial automobile insurance and personal automobile insurance. They often find out when it is too late that they were depending on a personal insurance policy to protect them when the circumstances fell outside the range of what would be covered, leaving them to pay the full bill. The agents at Integra Insurance Services work to help their commercial insurance customers in Huntington, TX protect their businesses by making sure they understand the kind of protection they need for their situations.

The first most important thing to understand is that a personal insurance policy or a business owners policy (BOP) will not provide coverage for automobiles used primarily in a business. Those kinds of coverage must specifically be provided by auto insurance policies.

The Business Auto Coverage Form (BACF) is the most commonly used contract that businesses use to provide coverage for their automobiles. This means cars, trucks, vans and any other kind of conveyance the business needs to use. The policy will need to list all of the vehicles which are intended to be covered under the policy, or the people who will need to be covered if they are driving while conducting business.

When you are choosing the coverage that best suits your needs, you will have to decide what should be covered. Do you want to cover only the automobiles the company owns, hires or leases? Or do you also want to cover other automobiles that your business uses also, such as when an employee runs an errand with a personal car? The second option provides wider protection for your business. The more coverage, the better protection.

If you have a business in Huntington, TX, call Integra Insurance Services to find the best commercial auto insurance for your company.

Things to Keep in Mind when Purchasing Auto Insurance

Most individuals purchasing auto insurance in Texas may not be aware of what they are buying. Understanding your coverage and ensuring that you are adequately protected in the event of an accident is, however, very important. You should not wait until an accident occurs for you to get auto insurance from Integra Insurance Services since you may not get funds to pay for your medical bills or repair your vehicle.

Ensure you are careful when purchasing your policy and to do that, here are some of the things you need to keep in mind;

Know the difference between personal and commercial insurance

 Some people purchase auto insurance in Huntington, TX for private vehicles while others require insurance policy for their commercial cars. The two policies are different even regarding premiums, and you should, therefore, consider the differences before buying the policies.

Avoid buying the minimum required amount of insurance

Do not assume that just because you have an auto insurance coverage, you will be protected entirely after an accident. The protection varies depending on the premiums. Ensure to purchase the maximum amount if possible, for comprehensive protection.

You can get an itemized bill

Your insurance providers do not have the right to stop your repair shop from offering you an itemized bill with the item’s description, manufacturer and the payment billed from the insurance company for the purchase and Labor.

Understand who are protected under your policy

If you have family members, who use the insured vehicle, ensure they are permissive drivers. Otherwise, they will not be protected in the event of an accident, and they could be a hook to large bills if damages occur. Make sure to put this aspect into close consideration.

Having these facts and considerations in mind will help you shop for the best coverage that will ensure complete protection. At Integra Insurance Services, we offer consultation services where we help you make the right decision after listening to your needs. We can assist you to shop for the right policy. Visit or contact us today for more information on auto insurance in Huntington, TX.

Auto insurance coverage options

Are you confused by what is covered in an auto insurance coverage? Unsure of whether to take this cover or not? Integra Insurance Services is here to help you understand car insurance and why it is so important.

If you are in Huntington, TX, or whichever part of the world, you probably know that car insurance is a requirement by law. It is essential that you have this cover lest you attract penalties or even lose your driving license. At Integra Insurance Services, we have a team of well-trained employees who make sure you understand all the terms of insurance as well as all the coverage options before you sign any legal contract.

Every state has its auto insurance requirements. As for Huntington, TX, it is a must for you to have a liability coverage. Let’s look at it in detail.

Liability Coverage

However experienced you are in driving, once in a while you might find yourself involved in an accident. In such a case, if you cause injury to another driver and their passengers or if you cause damage to another person’s vehicle, you are held liable for all the damages. The state requires that you pay for all the medical expenses as well as cater for the car repairs. A liability coverage helps you cater for all the costs incurred.

In addition to Liability Coverage, we also offer collision coverage, comprehensive coverage and personal injury protection. A collision coverage helps you pay for damages caused to your car as a result of a collision with another vehicle or object whereas a comprehensive coverage caters for any damage caused to your vehicle by anything other than collision.

As for personal injury protection, we cover all your medical expenses if you were the driver as well as that of your passengers. Also, depending on your policy, we also cover funeral costs.

Integra Insurance Services is here because of you. Feel free to contact us through our website or call us for more information.