I Rear Ended My Other Car, Now What?

It sounds crazy, but it happens: People running into their own cars. If you own more than one vehicle and they’re both covered by the same provider, you might wind up dealing with this situation if you make a careless turn coming into the driveway. So what happens next?

  • If you have a liability-only policy, nothing happens. Your insurer will cover the damages if you hit someone else’s car, but not if you run into your own vehicle.
  • If you have comprehensive and collision, you’re covered. In this instance, it works just like if you ran into a tree or something. Sure, it’s technically your own fault, but that’s what insurance is for. The question is whether it’s worth paying the deductible.
  • If someone is injured, your PIP may cover it. Suppose you get whiplash running into the old truck in the driveway. Your Personal Injury Protection should cover you.
  • If you decide to cover the damages yourself, no problem. You’re only required to report accidents to your insurer when you want to make a claim, or when someone else has suffered losses. If you run into your own car in your driveway, there’s no law against saving yourself the embarrassment and keeping this "just between us." Just tell the mechanic "I don’t want to talk about it" when they ask what happened.

Most accidents in Plano, TX actually happen near the home, so this might not be as weird as it sounds. If you have any questions or you’re looking to get covered, get in touch with Paragon Independent Insurance Agency. Whether you’re covering one car or several, Paragon Independent Insurance Agency can get you the coverage you need.

Does your auto insurance cover you in a rental vehicle

It happens to almost everyone, you need to drive a rental car. They are going to be asking you a lot of questions either in person or online. More than one of the questions will have to do with insurance. The good news is if you are online you have time to do your research before you make the final decision. At Paragon Independent Insurance Agency Plano, TX, we have more than 50 years of combined experience. The entire team places the needs of our customers first and does everything possible to meet their needs. 

There is no one simple answer to the question "Does your auto insurance cover you in a rental vehicle". The only answer is maybe. A lot will depend on who your carrier is and the type of insurance that you have on your vehicle. You have liability insurance on your auto policy and that will cover you even in your rental vehicle. But the other coverage is not so cut and dry. Be sure to read your policy and if you have questions, call your insurance professional and get the low down. What you need to consider if you have comprehensive and collision coverage is the value of your personal car versus the value of the rental vehicle. 

The rental company will offer you a variety of coverage options. One of them will be liability coverage. As long as you are comfortable with the amount of liability protection you have on your personal vehicle you can decline that coverage. If you don’t have collision and comprehensive coverage the collision damage waiver that the rental company provides will give you that protection. If you have home or renters insurance you can refuse the personal effects coverage. 

Contact Paragon Independent Insurance Agency in Plano, TX when you have questions about your auto coverage. 

Auto Insurance Variables That Texas Drivers Should Think About During The Winter

Paragon Independent Insurance Agency serves the Plano, TX community. We believe that our clients’ needs come first. We proudly serve as an independent agency. We have established long term relationships with multiple carriers throughout the South.

Auto Insurance Variables During The Winter

Auto insurance allows you to protect one of your most prized possessions. The policy covers your vehicle if you are involved in an accident with another vehicle or object. You are also covered if someone tries to steal or vandalize your vehicle. Liability coverage protects you if you are responsible for your vehicle causing damage to someone’s property. As the weather starts to change in Plano, TX, it’s important that you have a safety net. Here are some variables to think about while you are driving during the winter.

Slick Roads

The primary danger to consider while you are driving in the winter is the slick driving conditions. During cold temperatures, the rain can turn to ice or snow on the road. This increases the chances of you being involved in a collision. Make sure that you are driving at a steady pace. Do not drive fast during slick conditions. Try to have your tires checked, as well as your headlights and taillights before the start of winter. This will decrease the likelihood that you will be involved in a serious collision.

Prepare For Emergencies

Consider amending your policy so that you will be protected if your engine fails or you have a flat tire. You can seek emergency towing services or roadside assistance. Get a tune-up and make sure that you have a fresh batch of antifreeze in your vehicle.

Paragon Independent Insurance Agency Will Help You Cover Your Vehicle

Visit our website to learn more information about auto insurance.

Who needs auto insurance in Plano?

The Plano, TX area is a great place for anyone to work and live. If you are going to live in this area of Texas, you will undoubtedly need to have a car as it will make it a lot easier for you to get around. When you are looking for a car, you should also consider your insurance needs. There are many situations when you will need to have auto insurance in Plano.

When Taking out a Loan

One situation when you will need to have auto insurance is when you are going to take out a loan. Those that are purchasing a car may need to finance the purchase with a loan. No matter who provides the loan, there are bound to be insurance requirements. Most of the time, you will need to have a full collision and comprehensive policy as it will provide great protection for you and the lender’s collateral.

When Driving on a Public Road

You are also going to need to have auto insurance whenever you want to drive on a public road. Anyone in Texas will need to meet the minimum liability auto insurance levels in order to drive legally. This will help to ensure that you are able to pay for damages caused in an accident and it ultimately protects all drivers on the road. If you do not have this auto insurance coverage, you could be penalized.

There are many situations when someone will need to have auto insurance in the Plano, TX area. If you are shopping for auto insurance here, you should call the Paragon Independent Insurance Agency. The team at the Paragon Independent Insurance Agency can help you understand your needs and options. This will make it much easier for you to choose a policy. 

3 Reasons to File an Auto Insurance Claim

Filing an auto insurance claim in Plano, TX can be confusing, especially if you don’t know very much about your policy. Paragon Independent Insurance Agency is here to provide you with a few common scenarios so you have an idea of when it’s appropriate to go through with the process. 

1. When Another Party Is Involved 

If you drive your car into a brick wall and you only damage your car, you might not file a car insurance claim if you have liability only. However, as soon as the collision involves someone else, you should file a claim with your insurance carrier. Even if the accident was minor, the repairs may end up being a bigger deal than you realize. 

2. If Someone Was Injured 

Similar to the above, if someone was injured during the accident, it’s vital to file a claim. It’s even more important to keep as many details as possible about the accident on hand. From written descriptions to photos, the more information, the easier it will be to determine the outcome of the situation. 

3. When Your Car Is Stolen 

Every policy differs, but theft is generally covered for most policies. If your car has been taken, you should file a claim with your insurance company alongside a police report in Plano, TX. You should consider getting a GPS tracker for your car to make it easier to track it down in the case it’s taken. 

Paragon Independent Insurance Agency knows that policies aren’t always clear based on the language in your contract. If you have questions about when it’s appropriate to file a claim and what your policy covers, give us a call today to start the conversation before something happens instead of after. 

Do Any States Require Comprehensive & Collision Auto Insurance?

If you live in Plano, TX, your state does not require you to carry any auto insurance besides liability protection. And this applies pretty much wherever you live, except for New Hampshire, where you are free to drive without insurance (though you do need to be able to pay for liability costs should you cause an accident). There are also a few states like Mississippi where you can skip insurance if you are willing to pay a fee to the government. This fee is usually more expensive than insurance, so insurance is effectively mandatory in these states anyway.

The states vary on how much insurance you are required to carry, but none of them require that you carry comprehensive and collision. This is because comprehensive and collision are an investment into your own property. We are required to carry insurance so that other drivers are covered for any damages that we cause. When it comes to our own damages, we’re free to use our own judgment.

Skipping comprehensive and collision isn’t a great idea, of course. But the only entities that can require that you carry it are lenders for car loans, cosigners, and other people or companies with whom you have entered a contract. In which case you are contractually obligated to carry insurance, but not by state law, and the matter would be handled in civil courts if you were to skip out on your insurance payments.

If you are still looking for an insurer to cover you in Plano, TX, get in touch with Paragon Independent Insurance Agency, and let’s see what we can do for you. You can call us or contact us through the Paragon Independent Insurance Agency website.

Auto Insurance Add Ons To Consider

Auto insurance is by no means a one size fits all form of insurance. Even if you were to own the exact same vehicle as your neighbor the insurance you need is not the same. That is why you need to shop around for your auto insurance coverage in order to find what works out best for your particular vehicle needs. Here at Paragon Independent Insurance Agency, we aim to assist drivers living in greater Plano, TX. These are some of the auto insurance add ons you should consider. 

Road Side Assistance

This is a valuable form of auto insurance you may want to consider. If your vehicle breaks down and you need a tow, fresh battery, new tire, or other help, roadside assistance is there for you. 

Vehicle Upgrade

Have you upgraded your vehicle lately? Perhaps you’ve gone all-in on a new stereo system or you’ve lifted your truck and installed new wheels and tires. You may want to consider protecting these upgrades so you don’t need to pay out of pocket in the event of vehicle damage. 

Tire Insurance

Find yourself constantly replacing tires? You can opt for tire insurance to help cover the cost of replacements. This can save you a considerable amount if you are regularly replacing your tires. 

Insurance Coverage For Your Vehicle

It doesn’t matter if you’ve gone all out with your vehicle upgrades or you’ve wanted to make sure you’re protected when a battery dies, there are all kinds of auto insurance add ons you should consider. Here at  Paragon Independent Insurance Agency, we aim to provide you with all the coverage options you need. So, if you want to learn more about insurance coverage add ons for your vehicle and live in Plano, TX, give us a call at your earliest convenience. 

Should I Take a Driver Safety Class in Plano?

If you’re looking for ways in which to lower your auto insurance, you may have heard that taking a driver safety class can help. But before you sign up in Plano, TX, Paragon Independent Insurance Agency wants you to understand more about how this perk works and whether it’s for you. 

The Purpose of the Class 

The idea behind taking a safe driver class is that you’re reminded of the safety laws. Obviously, if you already have a license, you’ve had to learn the rules of the road before. Taking a class is a way to just reinforce those earlier lessons. You’ll also be given ways to cope with certain situations, such as road rage. While you may know what to do to maintain safety, this can be difficult to do if you’re feeling angry or otherwise flustered. 

Policies May Differ 

As you can see, there are a lot of benefits to taking a class. You may become that much safer of a driver after you’ve passed with flying colors. But if you’re hoping for a direct financial benefit, not all insurance carriers offer the same incentives for completing a course. You’ll need to call your auto insurance company to find out more about what you can expect. But even if your carrier doesn’t offer you a direct discount, a driver safety course could still pay off in the form of fewer driving violations. 

If you’re in Plano, TX, and want to understand more about what determines the price of your premium (or you’re just shopping around for quotes), Paragon Independent Insurance Agency can be of service. Contact us today to start a conversation so you can understand more about the rates in your city. 

How Often Should I Have My Auto Insurance Reviewed?

With all the different types of car insurance policies that are available, you should talk with your insurance agent to ensure you have the proper type and amount of insurance for your vehicle. Residents who live in Plano, TX have access to the agents of Paragon Independent Insurance Agency. The agents understand the importance of having the right type of insurance and will evaluate your policy if changes need to be made.

Significant Changes

There are several types of changes that will cause you to review your auto insurance policy. Paying off your car loan or using your car as collateral can cause significant changes in the type of policy you need and the amount required for adequate coverage. Another significant change is adding or removing a driver from your policy. Young drivers can have a big impact on how your policy premiums are calculated.

Caring for Your Vehicle

Your vehicle’s age is also a determining factor. The older your car is the more its overall value has depreciated. This may be a determining factor in how much coverage you choose to carry. Taking proper care of your vehicle will help it hold its value. This means keeping it clean inside and out as well as maintaining a strict service record of oil changes, transmission checks, etc.

The agents of Paragon Independent Insurance Agency serves residents throughout the Plano, TX area. By performing policy reviews, the agents can help them keep their insurance coverage where it should be in terms of coverage and cost. Speaking with an agent and scheduling a review is the best way to keep your insurance where it should be.

 

What If I Get Hit by an Uninsured/Underinsured Motorists?

Texas is a no-fault state for auto insurance. If you are injured and experience property damage from an accident, you could sue for damages. Chances are, someone who can’t afford insurance won’t have many assets to pay off a lawsuit. That’s where uninsured/underinsured motorist insurance comes into play. Paragon Independent Insurance Agency representatives can answer your questions regarding insurance for your car in Plano, TX. In the meantime, here’s some information regarding Uninsured motorist coverage.

What Is Uninsured/Underinsured Motorist Insurance?

About one in eight drivers doesn’t have auto insurance, according to the Insurance Research Council. Others buy the minimum required by the state they live in. That means they probably won’t be able to pay for damages if they cause an accident. In this scenario, your uninsured/underinsured motorist insurance pays for bodily injury or property damage you experience. 

What Does Uninsured/Underinsured Auto Insurance Cover?

If the driver who hits you has no insurance or you are the victim of a hit-and-run, uninsured motorist coverage kicks in. If the person who hits you is an underinsured driver, their policy limit may not cover the full cost of bodily injuries and property damages. In this case, the underinsured part of the policy covers the difference.

If you already have collision coverage, it also pays for damages caused by an insured driver. However, uninsured motorist coverage usually has a lower deductible. Ask your agent what makes the most sense for your needs.

Contact an agent at Paragon Independent Insurance Agency with your auto insurance questions. We can help you understand all your options, including uninsured/underinsured coverage. You can also make an appointment for a free quote.