When shopping for auto insurance in Dallas, you get to choose the coverages that best cover the things that matter to you. With dozens of carriers to choose from you can rest assured that you're getting the best coverage for the best price.
The biggest thing I’ve found that people overlook are some of the smaller, but impactful coverages, like towing, rental car, gap and even glass coverage. In fact, in addition to the forms that the carriers and state department of insurance require you to sign acknowledging the coverages you either selected or rejected, LFIG has a separate form. Those coverages are that important!
Additionally, depending on your age, amount of assets, condition and age of vehicle (among other things) some of the coverages may or may not be necessary. There are so many variables involved it helps to work with an experienced Dallas insurance agent. That’s where we can help.
Here are some of the auto insurance coverages available to you in Dallas:
Bodily injury liability - for injuries the policyholder causes to someone else.
Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.
Property damage liability - for damage the policyholder causes to someone else’s property.
Collision - for damage to the policyholder’s car from a collision.
Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.
In addition to the above there are other optional coverages such as accident forgiveness, rental car reimbursement, roadside assistance, etc.
Insurance doesn't have to be complicated, and it's likely you're paying too much for too little coverage. As a Dallas based insurance agency that helps clients all across DFW, and the entire state of Texas, we can help you find the auto insurance that is right for you.
Contact us to learn more or go ahead and start the quote process and one of our highly trained team members will reach out to assist you in finding the auto insurance that fits you and your life.
Lewis Family Insurance Group, Dallas, Texas.
Nobody wants to get involved in an auto accident. They’re dangerous and costly, but if you do get involved in a wreck it’s important to know some of the basic steps you need to take to make sure that your interests are best looked out for. These six tips are in no way the only things that need to be done, but following these suggestions can give you a good foundation to keep a bad situation from turning into a terrible situation. If the time ever comes where you find yourself in an accident, never hesitate to call our Dallas insurance agency and we will do whatever we can to assist you.
1) Safely STOP!
Don’t block traffic if at all possible, but even after a minor accident you should move to the side of the road, a parking lot, shoulder or any other are that can keep you, your passengers and other drivers safe.
2) Assess yourself and your passengers for injuries
It’s not uncommon to feel just a little “shaken up” after an auto accident, and you don’t end up realizing that you’re injured until hours or even days later. This is partially because of the rush of adrenaline running through your body, and you entering survival mode thereby ignoring potential injuries. Make use that you are not injured first, then check on your passengers. Assuming everyone else is okay, you can choose to check on the other drivers if necessary.
3) Call 911/Local Police
Regardless of the gravity of the accident, it’s always in your best interest (especially if someone is injured) to reach out to the authorities. Firstly because they can provide potentially life saving medical care, but also because having a police report can go a long way in making sure that your claim is handled properly.
4) Take Pictures
Thank goodness for smartphones! After you’ve checked for injuries, moved to a safe space, and notified the authorities it’s time to get your Android or iPhone and snap a number of photos of the accident, including any potential injuries that you or your passengers have.
5) Exchange information with the other driver.
This is an extremely important step, as not having the correct and accurate information can be the difference in a claim going smoothly or becoming a total nightmare. Make sure to get the other parties name, address, phone number, drivers license, make, model and license plate number. Additionally, you can take pictures of these documents as well as taking a picture of their current insurance card (check to make sure that it is current and not expired)
6) Notify your Dallas auto insurance agent as soon as possible!
You pay premiums ever month for your auto insurance in Dallas and hope you never have to use it, but when you’re involved in an accident is when those payments pay off (for a lake of a better phrase). Notifying your agent is the first step in making sure the claims process is handled in the right way. The team at our Dallas office will talk through the incident with you and provide guidance of next steps so you can make proper and informed decisions on how to proceed.
If the time ever comes that you're in an accident, or want to prepare for if it does, the Lewis Family Insurance Group is prepared to help. Feel free to give us a call at 972-752-0307 and we can discuss an insurance policy that's best for you!
There is a lot of confusion when it comes to auto insurance, and when looking for auto insurance in Dallas it can be even more confusing because of all of the options available. Below we’re going to list out some of the different types of coverage available on an auto insurance policy so that you can make a more informed decision the next time you’re evaluating your options.
Liability (Bodily Injury/Property Damage)
Liability is the foundation of all auto insurance. This is the coverage that would pay to repair the other person’s vehicle and/or bodily injury if you were involved in an accident where you were found at fault. Liability insurance is also the only coverage that is effectively mandated by the State of Texas for you to carry. The minimum limits required are 30/60/25; however, our Texas insurance agency always suggests that you carry higher liability limits because: 1) the premium difference is often only a few dollars a year and 2) if you don’t have enough liability insurance in the event of an accident where you’re at fault and a person is seriously injured and the $30,000 per person coverage for bodily injury is exceeded from their medical bills, you could find yourself having to pay the remainder out of pocket or even have a judgement placed against you and future earnings garnished to pay for the accident that you caused.
Uninsured/Underinsured Motorist Coverage
With Texas having one of the largest populations of uninsured drivers this coverage is there to protect you and your passengers for injuries and or damage to your vehicle in the event of an accident caused by someone else who has little or no insurance at all. This coverage is optional but can provide great piece of mind when it comes to protecting your family, passengers and vehicle.
Sometimes called “other than collision” this coverage typically covers your vehicle in the event of fire, theft, natural disaster, collision with a vehicle, etc. It can also cover you in the event that your vehicle is stolen (happening more and more often lately) or even vandalized. This coverage often contains a deductible (such as $500 or $1000) that you are responsible for paying before the insurance company provides coverage.
Collision coverage, also normally required if your vehicle is leased or financed, pays for damage to your vehicle when you are at fault. An example would be if you rear ended someone and your front bumper needed to be replaced. If you were found at fault in this instance your car would be repaired using the collision coverage, if applicable, and would pay out after the deductible is satisfied.
Medical Coverage/Personal Injury Protection
These coverages often help pay for medical expenses for you or your passengers. Medical coverage and personal injury protection are optional coverages, but our Dallas insurance agency offers them to each and every client because they are often inexpensive and can provide additional coverage that your current health insurance policy does not cover. There are specifics you need to know when selecting this coverage so reach out to our agency and we can discuss which one, if either, is right for you.
Towing/Labor and Roadside Assistance Coverage
Pretty self-explanatory, this coverage can provide 24/7 assistance if you need a tow, lock your keys into your car, get a flat tire or if your battery dies. There are instances when this coverage is covered automatically, but your LFIG agent will discuss in more detail what is covered under your policy for towing/labor and roadside assistance.
Rental Car Reimbursement/Loss of Use
If your car is involved in an accident and you need to rent a vehicle this coverage can help you cover car rental cost other cost of transportation (such as paying for a rideshare service, train pass or bus tickets). This coverage can often be on a reimbursement provision, meaning you pay and then are reimbursed by the insurance company, and often has a maximum amount it will pay out.
This post is merely an overview of the coverages provided by the auto insurance companies we represent at Lewis Family Insurance Group. Each carrier has different specifics to their policies and some cover certain things in different ways. If your curious about the coverages you currently have, whether they’re sufficient or interested in making sure you’re getting the best coverage for the best rate, then feel free to call us at 972-752-0289 and we can perform a comprehensive review of your policy.