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 You Need Commecial Insurance At Your Law Firm?

Individualized insurance needs are a mantra of Integra Insurance Services in Huntington, TX. Like your fingerprint is uniquely yours so is the nature of your insurance needs. 

There are many factors to take into consideration when it comes to whether or not you need a commercial insurance policy if you are a licensed and practicing attorney. Commercial insurance has points that deal with the structure of your business. The basic physical property of a business puts the law firm owner at risk.

If your law firm is housed in a building where there are suites of other offices then it is imperative that you discuss with your landlord the specific coverage that your rental or lease agreement offers. These points are very specific and need to be understood fully.

Is your firm run out of your home? Are you meeting clients on the premises of your law firm or only elsewhere? Is your law firm housed alone as a sole structure? Are you renting or leasing the property? Do you own the property that houses your law firm? 

Being a licensed practitioner usually means you need additional insurance arms – including malpractice insurance. Come speak with us today. 

Integra Insurance Services in Huntington, TX takes a stand on how to underwrite insurance. Our agents also specialize in Automobile, Homeowners, and Other (Specialty, Property, Boat, and Toy) Insurance. When it comes to insurance having all of your eggs in one basket is a good thing. Especially when you go with an agency that works with your to provide the very best service by being an active listener when it comes to your insurance concerns. Then we transform into active doers in terms of putting our tremendous level of professional integrity into practice.  

Insure Your Boat During the Winter Months with Integra Insurance Services

Integra Insurance Services reminds its customers to insure their boats during the winter months. You may already have a plan in place that protects your boat from harm during the summer, but what about the winter months? What about when your boat is in storage? 

You may think that your boat is covered while it’s in storage, but that’s not always the case. Homeowners’ policies typically only cover boats and cars if they are parked at stored at your home, on your property. If you store your boat at another location, you may not be reimbursed when your boat is broken into or damaged by the cold weather. To protect your boat, check with your storage provider and make sure that they have the proper levels of insurance. Also, give a call to the trusted, experienced staff at Integra Insurance. They will walk you through the different types of policies and will explain what coverage you need and when. Your boat is an important part of your family. Don’t take any chances with it. Take the steps you need to take now to protect it from harm later. 

Integra Insurance serves the community of Huntington, TX. When you have insurance questions, give them a call at 800-655-2159 or stop by their office at 502 North Main Street. The staff at Integra Insurance are ready to answer your questions. They are well educated on the insurance laws in Texas, and they will help you find the coverage you need to protect your boat from all kinds of hazards. Don’t wait, find the insurance plan that’s right for you and your boat today. 

Types of Commercial Insurance To Protect Your Business

The day a business opens, the owners of the company have elected to face certain risks. This is true even before the first employee has been hired. Business risks require that a company maintain the correct insurance be in place from the get-go.

The reality is, just a solitary lawsuit or catastrophe is enough to financially wipe out a small business before there has been an opportunity to get the business off the ground. Integra Insurance Services offers the following types of insurance to businesses in and around the Huntington, TX area.

Errors & Omissions Insurance (E&O)

E & O Insurance is also known as Professional Liability Insurance. It offers coverage for a business in and around Huntington, TX against:

  • Negligence claims
  • Mistakes, and
  • The Failure to perform

Each industry has its own set of topical issues that Integra Insurance Services will address as they prepare a customized business insurance plan.  

Property Insurance

Property insurance is a must, even for renters. This type of insurance offers coverage for inventory and equipment, in the event of a fire or theft.

Workers’ Compensation Insurance

This type of insurance will cover medical treatments and disability should an employee be injured on the job.

Home-based Businesses Needs

Small businesses typically begin at home. However, home insurance policies DO NOT cover a business the same way a commercial policy can.

Vehicle Insurance

If company vehicles are driven, they should be fully insured to protect against claims.

Business Interruption Insurance

A business’ operations will likely be interrupted if a weather event or catastrophe occurs. During this time, a business will lose income due to the staff’s inability to work. in the office, manufacture products or make sales calls.

Give the experts at Integra Insurance Services a call today!

What Should I Expect When Filing a Home Insurance Claim for Missing Jewelry?

If you have noticed that jewelry is missing from your home, you may look to file an insurance claim with your home insurance company. Here at Integra Insurance Services, we understand that this is something that most people in the greater Huntington, TX area rarely have to do. As such, you may not know what to expect when filing a claim. Here are a few of the things you can expect when filing a home insurance claim for missing jewelry. 

Obtaining a Police Report

Before you can report jewelry missing or stolen from your home, you must first file a police report. When you file a police report, you declare under penalty of perjury that what you are saying is true. This helps assure the insurance company that your jewelry really is missing or has been taken from your home. 

Providing Information About When the Jewelry Went Missing

After obtaining a police report, you will need to contact your home insurance company. During this call, you will list everything missing and provide information about when the jewelry went missing. If your home was burglarized, this is easy to provide. However, if you do not know when your jewelry was taken or stolen, this can be harder. Always do your best to provide truthful information. 

Sit Back and Wait

After providing information to the police and home insurance company, there is nothing else you can do but sit back and wait. The insurance company will investigate your claims and pay you for the value of the jewelry, or the policy jewelry limit, if warranted

If you have valuable jewelry in your home, you may want to list each piece of jewelry separate from your home insurance claim and receive an appraisal. This helps to ensure you receive the full value of the item if it is ever damaged or missing. At Integra Insurance Services, serving the greater Huntington, TX area, we can help you with this process. Call us today to learn how to add jewelry to your existing policy or get an entirely new home insurance policy.