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Texas Auto Insurance and Your Pet

Do you bring your dog or cat along no matter where you go? Do you travel with horses or show dogs all around the state? No matter how safe an animal carrier, trailer or other restraints may seem it’s important to understand how car insurance companies’ deal with animals involved in auto accidents. Unfortunately, if you don’t give some thought to what will happen to your pet if a car crash occurs, it may be impossible to take proper care of your pet. Proper pet or animal insurance will help you deal with vet bills as well as ensure that your pet gets the best of care.

Pedigree, Show, and Working Animals

Consider a situation where you purchased a pedigree dog that has won a number of monetary awards for obedience trials. When an animal with some type of intrinsic value is injured or killed in a crash, the owner is entitled to receive financial compensation from the auto insurance company. This includes coverage for the cost of medical treatment, or replacing the animal if required.

Is My Family Pet Covered Under My Auto Insurance Policy?

If you have pets in your home, chances are you and other family members may not see them as monetary assets. In fact, iTime runs like sand through your hands

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Business General Liability Insurance in Texas

In the state of Texas every business owner must have general liability insurance coverage to protect and run their business successfully. You need to find general liability insurance programs to suit the specific needs of your business, as well as get the best price for them. With your company assets protected for every occurrence, you can focus on your business with no worries.

General Liability Insurance in the state of Texas has been designed to protect business owners from a number of unexpected law suits which can occur anytime. Every business owner in the state needs to have the minimum amount of insurance to cover business necessities.

The basic idea of General Liability coverage is to safeguard business owners or operators from claims resulting from many different circumstances. These can be bodily injury claims from accidents that occur on your business premises, or claims from accidents that occur after using any of your products, as well as any other claims resulting from contractual liability.

So if there are any on-site mishaps, then you can be covered if the person sues you for bodily injury. Additionally, the Texas general liability coverage also covers you financially by supplementing payments for attorney fees, court costs and other expenses associated with a claim or the defense of a liability suit.

Small Business General Liability Insurance

Now, you may think that you have to be a big business with a hundred or more employees to get liability insurance. But you are wrong. Every business must have general liability insurance as accidents can happen anywhere and you can be slapped with lawsuit by anybody. Your business is a huge investment for you and must be protected from the damages of liability issues.

The coverage required under general liability insurance varies and you can discuss with your insurer so that they can come up with a customized policy for you to include different types and amounts of coverage. In most cases, a general liability insurance policy in Texas would ensure that your business is protected from fire, theft and vandalism. Your business will also be safeguarded against any lawsuits for bodily injury, property damage and negligence.

So, with a general liability insurance not only are you protected against people suing the business, everyone on your business premises or coming in contact with your set up is also secured. In other words, your customers, suppliers, delivery people, vendors and visitors coming on to your property are secure too. They will be compensated by your basic general liability insurances coverage for any bodily injury or damage that occurs at your premises.

Business Liability Insurance coverage protection

To summarize for all business owners, you can get general liability insurance to be covered against law suits following:

  • Bodily Injury – An injury that happens to someone in your business facility or an injury due to employee negligence.

    Completed Operations Liability – To cover the loss you face after having completed the project for the client.

    Personal Injury – If you face damages due to slander, copyright infringement, invasion of privacy, false arrest, or wrongful eviction.

    Advertising Injury – To cover the losses caused by your advertising

    Independent Contractors Liability Insurance – If you hire an independent contractor and he incurs some damage, then this damage from the acts of an independent contractor is covered by the insurance.

  • Remember that general liability insurance is a fundamental need for your business. It does not matter what business it is, what is its size or reach. You have to protect yourself and those who will be on your business property, or using your product. Protect your business and interests by opting for general liability insurance in Texas.

    The writer is associated with Texas Auto Insurance, the leading auto insurance comparison portal offering affordable deals on general liability insurance in Texas. Quotes provided by the portal are from the top insurance companies serving the residents of Texas.

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    Caution: Flood Damaged Vehicles

    If you are on the hunt for a new or used vehicle, it’s important to understand what to look for to avoid buying a flood damaged one. Flood damage is not limited to just used cars; new cars can have flood damage as well.

    Flood damaged vehicles can look and drive like new – as if the damaged never occurred. But after a few months the detrimental long term effects of the damage come to a head and hit you where it hurts, your wallet.

    Areas of a car that are damaged by flood that can be covered up are the electrical system, air bag electronic controls, anti-lock brakes, and many other safety features. Damage from floods to these areas may not come to light for months after a purchase.

    Avoid Buying a Flood Damaged Car

    There are a number of things you can do to avoid buying a flood damaged car:

    • Complete a title search. A title search will show evidence of flood damage if it occurred. But “title washing” can be done by moving the vehicle and title to a new state. To dig deeper and avoid getting ripped off try:

    o The Texas Department of Transportation (TxDOT) database of vehicles compiles a list of titles with flood damage. You’ll need the year, make and model or to shorten your search get the Vehicle Identification Number (VIN). You can also order a TxDOT vehicle title history from the TxDOT for a small fee. Visit http://www.txdot.gov

    o The National Insurance Crime Bureau has a database containing information about flood damaged vehicles. They have a free VINCheck database on their site: http://www.nicb.org

    o Lookup your vehicle history on http://www.carfax.com or http://www.autocheck.com to get a history of the vehicle. There may be a small fee for these services, but it’s better than a big expense later on.

    • Do a thorough visual search of the vehicle. Check for mud on the under carriage, under the dash, the seat and anywhere that a thorough cleaning might miss. Look for signs of rust or a high water mark. Some flood damage is permanent and nearly impossible to erase. A thorough search could reveal a lot.

    • Avoid buying form an individual. You might pay a little more from a certified used car or truck retailer, but the price could be worth it. These facilities often provide a warranty from the auto manufacturer, and not just the dealer. Flood damaged vehicles are excluded from automakers certified car programs, so you are safest buying from these dealers.

    • Take a long test drive and make an appointment with your local body shop. Too many things can be hidden from the untrained eye. It’s always a good idea to have an inspection of the vehicle prior to buying. You do it for your house, why not your car?

    • If you can’t take it for a test drive, don’t buy it. That means avoid buying a car from online auction houses.

    As a Texas resident, you have resources available to you if you feel you have been ripped off. If you think you are a victim of a fraudulent vehicle sale, call the Texas Attorney General’s office at 800-621-0508 or visit their website at http://www.oag.state.tx.us and file a complaint. Once that is done, focus locally and file another complaint with the Better Business Bureau at http://www.bbb.org. Be vigilant and file your complaints, it will help you and protect others from the same scam.

    Online Texas Auto Insurance

    To further protect your vehicle investment make sure you have the proper auto insurance coverage. You can use this online Texas Auto Insurance portal to get up to eight quotes in one online location. These quotes will be from well-known auto insurance providers like Geico, All-State, State Farm and more.

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    Factors Affecting Houston Auto Insurance Rates

    Houston tops out our Top Ten Cities in Texas list, and is the fourth-largest in the United States. As a Houston resident, your auto insurance rates are much higher than average – compared to the rest of Texas. The reason you pay more for auto insurance in Houston is because of the inherent risks owning a car there brings. The roads are more crowded, auto thefts are higher and your commute to and from work is generally greater. These are all “risk factors” your auto insurance company takes into account when determining what your auto insurance rates will be.

    Houston residents must be aware that owning a car in the city requires you to have adequate car insurance coverage before you can operate your vehicle. This article discusses how Houston insurance premiums vary and what are the factors affecting them.

    Houston auto insurance – state requirements

    Houston, affectionately called as Space City or H-Town, has a population of 2.1 million people, according to the 2010 U.S. Census. If you have just moved in the city, then you need to be aware of the state laws regarding vehicle ownership and auto insurance proof of responsibility requirements. According to the Texas state laws, to drive a car in Houston you must have at least the minimum state required auto insurance coverage.

    If you are caught by a state trooper or any other law enforcement officer without your proof of auto insurance, then you can face severe penalties including heavy fines, suspension of driver’s license, and impoundment of the vehicle and even serving jail time. In some cases where the offence is quite grave and a motorist fails to present his proof of auto insurance or insurance policy, then it can result in immediate license revocation.

    A revocation of license means that a motorist is stripped off his driving privileges. Getting a license reinstated can be quite a challenge requiring the assistance of an expert attorney as well as imposing severe penalties to be served by you.

    Texas has a program called TexasSure which enables officers of the law to electronically check your auto insurance during a routine traffic stop. If you do not have adequate coverage or your auto insurance coverage has lapsed, the officer will know within seconds and your driving privileges could be revoked.

    Texas is a torte state – Houston auto insurance is the same

    Remember the purpose of Texas government requiring auto insurance in Houston is to make the residents financially responsible for any loss/damage your vehicle causes on the roads. Texas is a Tort state. This means that when an accident happens on Houston roads, then one party has to be responsible for it. The one proven to be responsible for the auto accident has to pay for the bodily injury damage as well as property damage that incurs due to the crash.

    Find cheap auto insurance in Houston

    Now that you know why auto insurance in Houston is necessary, you must look for auto insurance providers to give you a suitable deal with adequate coverage and affordable rates. One of the quickest, simplest and most effective ways to get cheap auto insurance in Houston is to compare online auto insurance quotes. We offer an online auto insurance quote comparison tool that gives you one location to get quotes from auto insurance companies such as:

    • Geico
    • AAA
    • AARP
    • Nationwide
    • Elephant
    • Progressive
    • State Farm
    • Liberty Mutual and more

    Now, when you will approach insurance providers for quotes, you will not help but notice the huge variations in their quotes for very similar coverage. Why does this happen? How do different companies come up with different quotes for the same coverage? What are the factors that affect insurance premium rates?

    Well we have listed some of the elements that affect the premium rates for auto insurance in Houston:

    1. Driving Record:
    2. Your Vehicle
    3. Keep a clean credit
    4. Lowering your deductibles
    5. Defensive Driving School certificate

    Remember that big, luxury and glamorous vehicles come with higher maintenance costs and hence are classified as high risk vehicles by auto insurance companies. If you can, opt for a car which suits your taste as well as is easy to maintain and drive, and packed with super smart safety features.

    A good driving history is crucial because it plays a vital part in being offered a choice of low-cost auto insurance in Houston. By being a cautious driver with no traffic violations on your record, your auto insurance rates will go down. With lower rates you will get the desired Cheap Auto Insurance. Houston has many insurance providers and you must make sure to compare rates online before striking a deal with any one insurance company.

    If your driving record is poor it could take years to erase the damage. A new type of auto insurance in Houston available to most resident is call Usage Based Auto Insurance or Pay As You Drive Auto Insurance. Review this as an option if you feel current driving patterns and vehicle warrant lower rates, but your driving history is bad.

    The writer is an auto insurance coverage expert associated with “In Texas Auto Insurance”, a leading online auto insurance rate comparison portal offering the cheapest Houston auto insurance.

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    Texas Auto Insurance Claim Payout Process

    In the state of Texas, every motorist is required to have adequate auto insurance, so that he or she can fulfill the required financial responsibility on the roads. The process of being paid by an auto insurance company in Texas – in the event of an accident is covered in this article.

    Texas auto insurance – an at-fault state

    Every driver on Texas roads should be aware of the ways his auto insurance claims pay in the event of an accident. If you sustained injuries as a result of someone else’s negligence, then you have the right to be compensated for your damages. In Texas the at-fault driver in an auto accident has to pay for your medical treatments and other damages so that you are not hurt financially and physically because of the accident.

    In the event that the driver does not have adequate Texas auto insurance, then you will have to sue him for your damages. In case he has auto insurance you (or your attorney) have to work with a claims adjuster employed by his insurance company, towards getting a settlement.

    Every auto insurance adjuster evaluates an injury claim on the basis of the company’s procedures. There are some general evaluation criteria too, which are taken into account when determining how much money the injured party should receive as claim.

    Auto insurance adjuster – claim factors

    There are many claim factors taken into account when an auto insurance adjuster is reviewing an auto accident claim, including:

    The auto accident facts

    The adjuster will verify and investigate the entire incident. The auto accident, how it happened, where, who all were involved, at what speed, were any laws broken, when did the police come, etc., will be found out and made a note of by the adjuster for the auto insurance company.

    Who is at fault

    Liability is another parameter. The claims adjusters have to judge a claim for fault before they offer any settlement. In case it is clear that one party is liable for the incident, then there is no room for speculation.

    However, if the auto accident is one where it is difficult to determine who was responsible, then third parties need to get involved. Auto insurance reconstruction experts are called in to study the accident scene. These experts then follow their investigative and analytical process to determine how the accident happened and who was more at fault. In many cases, both parties have been declared to have been found guilty.

    Evaluation of the injuries caused

    The adjuster will also need to know the details of your injuries so that he may determine how injured you really are. They look through the reports very closely as they want to avoid fraudulent claims. The regular documents you will need to provide them with are a medical report from your physician with a diagnosis and a prognosis for your recovery.

    The calculation of expenses occurred

    The auto insurance adjuster will need to know the money you paid on medical bills as a result of the auto accident. The amount of money you lost as wages, while you were recuperating; and other expenses that may have occurred. So, to get claim settlement, be ready to supply the adjuster with copies of medical bills and statements, wage stubs, receipts for medicines and other expenses. Submit any payments you made to deal with damage to your property (unless you have insurance to pay for it). Usually, to determine the property liability, they will see the damage done to your car and estimate the amount it will take to repair it.

    At fault Texas auto insurance

    After all this information has been collected and processed, the adjuster will make an offer under the limits of the at-fault driver’s auto insurance. Texas insurance companies follow different formulas to calculate claims, and it is advised that you hire an attorney to negotiate your claims.

    The writer is associated with InTexasAutoInsurance, the leading auto insurance comparison portal, serving the residents of Texas. Auto Insurance comparison quotes from leading insurers like Geico, All-State, Nationwide, AAA and more are available at the site.

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    The Different Types of Texas Auto Insurance

    If you own and drive a car, you are required by state law to have auto insurance in Texas. The state requires you to have insurance as a proof of financial responsibility that comes with owning a vehicle. If you are a new entrant to the insurance market, read on to know about the types of auto insurance available in Texas.

    Texas auto insurance options

    You can choose from a number of auto insurance coverage in the state of Texas, they are:

    Liability Insurance

    The state of Texas is a Tort state, where one person is considered to be at fault for causing the accident. The person at fault has to pay for the physical and property damages occurred due to the accident. You are required to have minimum liability auto insurance coverage of 30/60/25 as per the state law. This amount will often cover the cost of medical bills as well as vehicle repair costs.

    In other words, as per the Texas state law you have to have coverage for Bodily Injury Liability -$30,000 per injured person up to a total of $60,000 per accident (for all injured), and Property Damage Liability coverage with a minimum limit of $25,000. If you think the minimum amount of liability insurance is too low, then you can exceed the minimum requirement and cover yourself more adequately.

    Collision Insurance

    Liability insurance will pay for the damages you caused to the other party in an accident. But what about the payment of damages you suffered? That is why you should consider collision insurance so that you can pay for the repair of your car if you have an accident and you are at fault. Collision insurance will cover your car’s repair costs or if the car is completely damaged, the coverage will pay you the market value of the car prior to the crash. Avoid this insurance if your car is very old and not worth the actual cost of insurance.

    Comprehensive Insurance

    You must remember that collision and liability insurance are for car accidents only. How can you be protected if a hurricane does damage to your car in Texas? That is why, Texas motorists sign up for comprehensive insurance that covers weather damage, animal collisions and theft. Arm your vehicle with the latest anti-theft devices to get some discounts on this insurance.

    Uninsured Motorist Protection

    There are many motorists on Texas roads who do not have any insurance – approximately twenty percent! In case you are in an accident caused by any such uninsured motorist, then you will have to pay for all the damages. That is why the need to sign up for uninsured motorist protection. This coverage is not mandatory by state law in the state of Texas.

    Personal/Medical Injury Protection

    Usually your health insurance will cover your medical bills after an accident. But to be completely protected, experts recommend motorists buy medical injury protection. This insurance pays for your medical treatment after an accident, irrespective of who was at fault for the accident.

    No-Fault Insurance

    This insurance pays for property damage and injury damage, regardless of who was responsible for the accident.

    Gap Insurance

    Texas residents can get gap insurance if their vehicle is new and they are still paying for the car. This insurance will pay its value in case the car got totally damaged; and you still have not paid all the cost of the car.

    These are the different types of Auto Insurance in Texas you must find adequate coverage for yourself to be safe on the roads. Search for the best quotes online and compare quotes to get the best and most affordable auto insurance policy.

    The writer is associated with In “In Texas Auto Insurance”, the leading insurance comparison portal, serving the motorists of Texas. Auto Insurance quotes from leading providers are available at the click of a button.