Does Auto Insurance Cover Hopsitalization?

Being hospitalized after an automobile accident is a terrible thing, the pain, the suffering, and the costs that are associated with it are often crippling. That being said, insurance is in place to help soften the blow of this type of expense. For those that live in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help you find a policy that works for you.

For the most part, your auto insurance is going to pay for part of your bills and expenditures that are associated with an accident. For the most part, however, your auto insurance is only going to cover you up to a certain monetary value then your health insurance takes over. A great example in cases where you have to enter the hospital. Your auto policy will pay a sum of money toward your car then when that money runs out, your health insurance steps in to help continue your care and get you back in good shape. This is going to help make it possible to make sure you are covered by some sort of insurance and that you are not required to cover the entire cost of your recovery and medical care.

In most cases, your auto insurance is going to have a set number or liability that it will pay, say $10,000 for instance, and anything beyond that is going to be run through your health insurance to determine what your portion of the bill is after that. This is just to help keep costs low and to make sure that an auto insurance company is not going to have to pay for all your medical bills even though you have a health insurance policy. For those in the Plano, TX area, the agents with Paragon Independent Insurance Agency can help.  

Time to Upgrade Auto Insurance

Many people benefit from getting an auto insurance review, which is an easy way to make sure their insurance is adequate. It is important to inform your agent at Paragon Independent Insurance Agency, serving Plano, TX and the surrounding area, if certain things occur, so that the proper adjustments may be made to your auto insurance policy.

Auto Insurance Review Checklist

Here is a quick checklist of some things that warrant a review and may require auto insurance adjustments:

  • Moving to a new place.
  • Changing how a vehicle is parked (in a garage vs. outdoor, in the driveway, or on the street).
  • Changes in authorized drivers, such as a teenager in the family starting to drive.
  • Custom work is done on the vehicle that increases the value.
  • A trailer hitch is added to the bumper to pull a trailer (get trailer insurance coverage also).
  • Getting a new paint job.
  • Adding expensive chrome wheels.
  • Installing a car stereo and speakers.
  • Adding a car alarm and/or an anti-theft device.
  • Using a vehicle for a new purpose, such as a carpool, ride-sharing, or delivery services.
  • Driving more than the mileage driven the year before.
  • Changing commute time and distance, due to a change in employment.
  • Letting another person use the car for more than occasional casual use.
  • Change of the lien holder for the auto loan.
  • Getting married.
  • Selling the vehicle.
  • The vehicle is taken out of service temporarily or permanently. For example, going on a military tour overseas and leaving a vehicle behind in storage.

Summary

This checklist includes some of the most common things that happen, which usually create the need for auto insurance adjustments. It is wise to have an annual auto insurance review by talking with your agent. Additionally, make adjustments on a regular basis for the value of the vehicle and how it is being driven, parked, and used.

Contact your agent at Paragon Independent Insurance Agency in Plano, TX by email or by using the convenient online form to get a quote for auto insurance.

Why Auto Insurance is Essential

As a driver in Plano, TX, here at Paragon Independent Insurance Agency hope you know how important it is to have auto insurance. If for no other reason than the fact that it is required by law, we want you to have it if you are an owner and operator of a vehicle. Not only is auto insurance something that is required by law, it is also essential in many ways. Below are just a few that we think are worth mentioning. 

  • It will keep you out of trouble with the law. This one is pretty self-explanatory. Since it is illegal to drive without auto insurance in Texas, you can get in a lot of trouble if you do not have it. You want to make sure you have the proper coverage at all times. 
  • It can help you with financial difficulties after an accident. Accidents are unavoidable at times and while we hope you never get into one, if you do, auto insurance is there to help you pick up the pieces. It will help with the financial portion so you can get back on the road in no time. 
  • It gives you peace of mind. Because of the other two reasons above, it should come as no shock that it will also give you some peace of mind while you are driving on the roads.

If you do not already have auto insurance in Plano, TX, be sure to reach out to us here at Paragon Independent Insurance Agency so we can be sure to get you the proper amount of overage by law as well as any other auto coverage you would like. We want to make sure that you are well taken care of and that you have all of the benefits of auto insurance so we will even give you a free quote. 

3 Reasons to Update Your Auto Insurance

Changes in your life or household over the last year could have an impact on your auto insurance. If you bought a new car, you may need to upgrade your coverage. If you added a teen driver to your household, you’ll need to update your policy to include him or her on your coverage. Updating your auto insurance with Paragon Independent Insurance Agency keeps your coverage current to give you the protection you need. If you haven’t updated your auto insurance in a while, here are a few reasons to do so.

New Driver on Policy

If your teen recently got his or her license and will be driving the family vehicle around Plano, TX or beyond, you’ll need to add him or her to your auto insurance to ensure they’re fully protected against accidents on the road. This will require an update to your policy. You may even want to increase coverage to enhance insurance protection for your family.

Enhanced Safety Features in Vehicle  

Incorporating new technology such as rearview camera or lane departure system into your older vehicle could help prevent accidents. Features that enhance vehicle safety and security could qualify you for a discount on your insurance. This makes it worthwhile to update your policy.  

Life Changes

Life changes that alter your driving routine or habits could affect auto insurance coverage and/or costs. A change of job could require more driving, prompting you to increase insurance coverage. In contrast, retirement could reduce the time you spend on the road, enabling you to cut back on coverage to save on insurance costs. Updating your insurance gives you a chance to incorporate these changes into your policy.  

For greater insight into when and how to update your auto insurance coverage, contact us at Paragon Independent Insurance Agency in Plano, TX. 

4 Hacks for Stress-free Holiday Driving

Holiday travels can be challenging, especially during Christmas. If you’re planning a road trip to visit family or friends in Plano, TX this season, the following hacks can help you have a safer, more enjoyable trip.

Plan Your Travels

Plan your trip in advance to avoid the last minute rush. Plan your routes and travel time, service your car and budget your finances accordingly so there are no loose ends by the time you’re ready to travel. If you’re traveling with children, get them involved in the planning so that they feel a part of the action. Older children can help with such tasks as planning games or snacks, preparing a music playlist or being the official photographer for the trip.  

Pace Yourself When Driving

The journey is just as important as the destination. Pace yourself when driving and take time to enjoy your travels. You can break your trip into intervals, giving yourself time to stop and “smell the roses” along the way. Rather than pass a beautiful park, stop for an impromptu picnic. Look for opportunities to explore interesting places or take part in new experiences. By going slow and being open to a flexible driving schedule, you can keep stress at bay.

Take Advantage of Technology

Every road trip has its harrowing moments when traffic comes to a standstill or weather conditions slow you down to a crawl. Be prepared with the joys of modern technology. Laptops, tablets, and smartphones can come in handy to keep your kids entertained during these times. If you have internet connectivity in your vehicle, encourage your kids to take advantage of it to keep the peace and preserve your sanity.

Make Sure You’re Covered

Update your auto insurance with Paragon Independent Insurance Agency in Plano, TX. Knowing you have auto insurance protection can alleviate any worries about unforeseen accidents. At Paragon Independent Insurance Agency, we can help you select auto insurance coverage to meet your specific holiday driving needs.

Three common types of auto insurance and what you need for quote.

Auto insurance policies are usually made up of various different types of coverage, every one coming along with its unique premiums and benefits. For consumers to come up with the best quality policy package and quote, it’s always important to have an idea of what is being offered, as motorists have several different coverage amounts for the different components that they can always select from. If you reside in Plano, TX Paragon Independent Insurance Agency will cater for all your auto insurance needs, from purchasing to renewal!

The following review provides a list of the most common auto insurance types and what you need for a quote.

Auto Liability Insurance.

Also known as financial responsibility insurance, the Texas auto liability insurance is the least auto insurance coverage type required of all Texas drivers. In the event of an accident that deems you responsible for injury to another person or destruction of their property, auto liability insurance helps protect your assets. However, it doesn’t pay for the repair or replacement of your car or for your injuries.

Physical Damage Auto Insurance.

Coming in two types, the physical damage auto insurance encompasses collision and comprehensive coverage, with your lender requiring you to carry both if you still owe money on your vehicle. Moreover, even if you no longer owe on your car, collision and comprehensive auto insurance would still suffice in order to protect the value of your car.

Regardless of who is at fault, collision insurance covers the damage cost to your car as a result of an accident. On the other hand, comprehensive insurance caters for the cost of auto damage from other causes such as vandalism, storms, floods, and theft.

No Fault/Personal Injury Auto Insurance Protection (PIP).

In the unfortunate event of an accident, the Personal Injury Protection insurance coverage helps protect you together with your passengers. PIP helps cover medical care, lost income and replacement services for injured parties. The medical payment insurance will, however, cater for the cost of medical, hospital or funeral expenses as a result of an accident for you, together with any passengers in your car.

Familiarizing with the different types of auto insurance coverages can help you in deciding what insurance to purchase as well as help you in navigating the insurance system in the event of an accident. Serving the greater area of Plano, TX, Paragon Independent Insurance Agency will make your purchase of auto insurance a breeze. Insure with us today for we have a wide variety of affordable insurance quotes and rates to choose from. For more inquiries, be sure to always contact us for more details, as we’re only a call away!

 

How to Compare Auto Insurance?

When it comes to shopping for auto insurance, it is very important that you first assess your needs. This will help ensure you are able to purchase a policy that provides the type of coverage you require. For many people, though, it can sometimes be a hassle trying to find the best policy. Fortunately, here at the Paragon Independent Insurance Agency serving Plano, TX, we’ve taken the time to outline two tips for making sure you know how to effectively compare auto insurance. 

Start With Your Friends and Family

One of the best ways to shop for auto insurance is to ask your friends and family for their recommendations. You will likely find they can point you in the right direction and help you pinpoint a policy that truly meets all of your needs. Even better, they can explain their policy and help you choose which level of coverage you need. Many times, your friends and family will be able to direct you to both local and national insurance companies, which gives a good chance of being able to compare policies from a wide range of providers. 

Use the Internet

You can also turn to online resources to help you compare auto insurance. There are many resources that make it easily possible to compare different levels of coverage from different providers, which helps you narrow down a long list of possible policies that can best meet your needs. You’ll also be able to read through reviews of existing customers to see which providers are providing the best customer service. This is especially important because you want to choose an insurance provider that providers superior customer service around the clock. 

To learn more about comparing auto insurance, contact the Paragon Independent Insurance Agency serving Plano, TX.

Do I Need a Full Auto Insurance Policy?

When you drive a car in the Plano, TX area, you will find that you will need to carry auto insurance coverage on your vehicle at all times. However, the state generally only requires that you carry liability coverage on your vehicle. While Plano TX car owners will only be required by law to carry liability coverage, many would still benefit greatly from carrying a full policy that includes both collision and comprehensive coverage. In fact, there are several situations in which you will need to have a full auto insurance policy in place.

When You Have an Expensive Car

One situation in which you will want to have an auto insurance policy that provides full coverage is when you have an expensive car. Buying a car is always a very big purchase that needs to be properly insured. If you have a car that was expensive and difficult to replace in cash, you need to make sure that you have coverage necessary to do so. 

Auto Loan

Most drivers today obtain financing when they buy a new or used car. If you do have a loan on your car, you will be required under the loan documents to properly insure the vehicle. This will assure the lender that they can be paid off if the car is stolen or damaged.

When you are evaluating your auto insurance needs, you should reach out to the Paragon Independent Insurance Agency. When you meet with the Paragon Independent Insurance Agency, you will receive far more insight into what type of insurance options are out there, which ones might be right for you, and what your requirements are. For those that are in the Plano, TX area, this can be very helpful when it comes time to pick your next policy. 

The Benefits of Using GPS When Traveling

Whether it be going to the nearby gas station in Plano, TX or taking a trip across the country, you will want to make sure that you are always equipped with a GPS system. The technology integrated into GPS systems is phenomenal and has even been known to save lives. Here is a quick look at three advantages you’ll gain when using a GPS when traveling. 

Emergency Relief

A GPS can prove to be of the utmost value in a number of situations that life may throw your way. For instance, during a natural disaster, hurricane, or tornado, law enforcement and emergency services can use the GPS navigation system in your car or cell phone to locate you. In fact, cell phone and car navigational systems that have GPS capabilities have proven themselves to be extremely helpful in terms of finding natural disaster victims in a quick and efficient manner. This small but very powerful tool has saved many lives. 

Directions

A GPS device is equipped with locations and maps of the world. Tablet PCs and smartphones use GPS to pinpoint locations and give step-by-step directions from one location to the next. A GPS can even alert you if you have made a wrong turn, as well as give you updated route information. Another feature of GPS systems is that they can help you locate the closest hospital and find local restaurants. With a GPS, there is no need to pull the paper map out of the glove box. Simply type in the location or destination you are wanting to reach, and the GPS will provide you with precise directions on how to get there. 

Avoiding Traffic

Traffic can either make or break your trip, but having a GPS while traveling can make your trip a breeze. Today’s GPS systems have the ability to provide you with will real-time traffic updates and will instruct you to take alternate routes that make your trips more efficient.

Protect Yourself Today

In addition to protecting yourself with a GPS system, you’ll also want to make sure your car has proper auto insurance. To learn more about this type of insurance, please contact Paragon Independent Insurance Agency. serving the Plano, TX area. 

Full Coverage or Minimum Auto Insurance?

You’ve purchased the car of your dreams and now need to choose insurance coverage to protect your investment. How much insurance should you buy? New car owners should seriously consider full coverage to fully protect their investment. If you own an older vehicle, it’s up to you to select the type of coverage you need. With the help of a Paragon Independent Insurance Agency agent, Plano, TX car owners can make wise insurance choices to protect their interests.  

Minimum Auto Coverage

Every state has mandatory minimum requirements for auto insurance coverage. In Texas, the minimum coverage is $30,000 bodily injury liability per person with a $60,000 total per accident. If you cause an accident that injures two other people, your insurer will pay up to $30,000 worth of medical expenses for each, with a limit of $60,000 for the entire accident.

If injuries exceed this limit, you could be sued for the remainder of the damages. Unless you have financial resources to cover these expenses, you would do well to select higher liability limits to protect your interests. Minimum liability coverage also doesn’t cover damages to your vehicle, which means you’ll have to pay for repairs out of pocket.

Full Coverage

With full coverage, you not only get liability protection but collision and comprehensive coverage as well. Collision coverage helps pay for repairs to your car if you crash it into another vehicle or object. Comprehensive insurance protects you against theft, vandalism and storm damage. If you own a new or fairly new car, you need extra coverage to protect your investment. Otherwise, you could wind up paying for vehicle repairs on your own.  Full coverage may cost more initially but gives you greater returns on your insurance investment when you need it most.

For help in selecting the right auto insurance package for your situation, contact Paragon Independent Insurance Agency, Plano, TX.