Although car insurance creates a sense of peace for many of us, the type of coverage you carry determines the benefits and coverage options you have access to as a policyholder. Our Plano, TX team at Paragon Independent Insurance Agency is committed to helping drivers understand the differences between liability insurance and other types of auto coverage.
Liability insurance is required by Texas law. This insurance covers injury or damage to other drivers’ cars and personal property. However, this type of coverage won’t cover your car’s damage in an accident. It’s only designed to protect the other driver, their property, and their vehicle. As a result, if your car is damaged in an accident and all you have is liability insurance, your coverage will not pay for your vehicle’s repair. You will be forced to pay for the repair of your car out of pocket. If you’re looking for coverage that meets state guidelines and protects your vehicle, you must purchase more than liability insurance. You will also need to invest in comprehensive and collision if you want protection for your car for damage caused by accidents and non-moving incidents.
Auto insurance has many layers, making it easy for drivers to get the coverage they want and need most. State law only requires drivers to carry liability coverage, but you’ll also need more insurance to cover your car. Call us if you have questions about what is covered under different auto insurance policies. We’d be happy to discuss your coverage options and get the coverage you need most.
Part of owning a home is always being prepared for the unprepared. No one wants to experience a home disaster, but it can happen when you least expect it. That’s why it’s important to know what steps to take immediately following a disaster. If you find yourself in the aftermath of one in Plano, TX, follow these six steps from Paragon Independent Insurance Agency.
1. Check for injuries and call for medical help if needed.
Your home is important, but the safety and well-being of your family come first. Assess the situation, and determine if anyone needs help immediately.
2. Survey the damage and list what needs to be repaired or replaced.
It’s good to take some inventory to see what needs fixed or replaced because you’ll have a better idea of your insurance claim.
3. Ask for help
Having a reliable source for help is important because trying to do everything on your own can be overwhelming. In a time of need, contact other family members or your insurance company to get assistance.
4. Beware of potential hazards
Many potential dangers come with a home disaster, so it’s important to be aware of your surroundings. Be cautious of loose wires, gas leaks, and damaged structural elements.
5. Start the cleaning process
The sooner you can start cleaning up, the better. Not only will this help you get your life back to normal, but it will also help prevent further damage.
6. Call your insurance company
Your insurance company will be a valuable resource during this time, so don’t hesitate to give them a call. They can help you navigate the claims process and get you the right help in Plano, TX.
If you find yourself in the aftermath of a home disaster, following these steps will help you get your life back on track. And if you’re looking for a reliable and trustworthy insurance company to help you through this difficult time, look no further than Paragon Independent Insurance Agency. We’re here every step of the way.