Category: Auto Insurance

The Diverse Benefits of Auto Insurance

Auto insurance affords an array of benefits, including liability coverage, and can potentially span additional forms of coverage. However, Auto insurance policies are tremendously varied, and their coverage range can differ considerably. State laws mandate all drivers to possess liability insurance as a minimum. However, most auto lenders require drivers to have more than liability coverage until the financed vehicle is paid off in full. Our team at Boss Insurance Agency is dedicated to helping Kingwood, TX drivers comprehend state requirements and explore their coverage options.

Understanding the Different Types of Auto Insurance

Liability auto insurance is mandatory for all drivers. Nevertheless, such insurance covers property damage and medical injuries for the other party involved in the accident, not the policyholder. Therefore, if you’re at fault for a mishap, your liability insurance covers the costs of such situations. Comprehensive and collision insurance should be considered for drivers wishing to secure coverage for their losses. These two types of insurance cover both stationary incidents like theft, vandalism, damage from natural disasters, and accidents, irrespective of fault. At times, drivers are required to hold both liability insurance to satisfy state laws and comprehensive auto insurance to meet the lender’s requirements.

Will Auto Insurance Cover My Medical Expenses Post-Accident?

The answer to this query is mainly dependent on the type of insurance coverage you have. Auto liability insurance doesn’t offer coverage for the policyholder. It covers the other party involved in the incident. Nevertheless, collision and comprehensive coverage provide property damage coverage and coverage for your injuries. If you don’t possess these types of auto insurance, your injuries and property damage will not be covered. If you have more queries about auto insurance and want to explore your coverage options, feel free to contact us – Boss Insurance Agency in Kingwood, TX is here to help.

When potential clients speak with the professionals at Boss Insurance Agency in Kingwood, TX, they are able to reap the benefits associated with our many years of expertise. It can be hard to understand every aspect of an auto insurance policy, which is why this guide is here to help you get started. Here we take a closer look at the most essential aspects of any well-chosen policy.

What Are The Basic Forms of Coverage?

Once it is time to get started, you will need to learn about the most basic forms of coverage and how they will affect a policy from an overall standpoint. The coverage that you select will need to offer coverage for medical expenses and repair costs, i.e. liability. Coverage must also be able to handle damages and thefts, i.e. property damage. To expand on this, the policy will also have to include protection against medical costs and lost wages.

Do I Need Additional Coverage?

Starting with a basic policy that delivers entry-level protection is great, but there are other forms of coverage that have to be considered. Liability coverage that also offers protection to other motorists who are potentially injured as a result of your negligence is a must-have.

Collision policies protect your vehicle from costs that result from accidents and comprehensive auto insurance policies are designed to keep the motorist from shouldering expenses that are derived from damages that took place when they were not in the process of driving.

Consult With Us

Road safety is of the utmost importance. By scheduling a helpful consultation with the good folks at Boss Insurance Agency in Kingwood, TX, you are able to relax and enjoy the peace of mind that can only be provided by a well-chosen auto insurance policy.

With the upcoming storm season looming here in the Kingwood, TX area, it’s important to make sure your car is ready for any and all extreme weather conditions.

Here are a few tips from us at Boss Insurance Agency to help you prepare your car for a storm.

Tips to prepare your car for a storm

1. Check your battery and tire pressure

Having a strong battery and properly inflated tires can help you stay safe during long drives in bad weather. Make sure to check both before the storm season so you’re not caught off guard. 

2. Stock up on supplies

Keep an emergency kit in your car, just in case you get stuck somewhere during the storm season. This should include things like jumper cables, flashlights, water, snacks, blankets, and other essential items that will come in handy if something goes wrong. 

3. Inspect your windows

Make sure all of your windows are sealed properly so they won’t leak or be affected by heavy rain or winds coming through them. This will also help keep the interior of your car dry during storms. 

4. Top off fluids

Check all of the fluids in your car such as oil and windshield wiper fluid to ensure they’re at optimal levels before any storms hit. Having these fluids topped off can help reduce stress on your engine and other components during bad weather conditions. 

Reach Out To Us

Following these tips can help keep you safe during a stormy season and keep your car running smoothly throughout it! For more tips like this, give us at Boss Insurance Agency a call today. We are proud to serve the Kingwood, TX area.

If you’re in the market for car insurance, you’ve probably come across the terms "comprehensive coverage" and "collision coverage." But what exactly do these terms mean? And do you need both types of coverage? At Boss Insurance Agency in Kingwood, TX, we’re here to help you understand the difference between comprehensive and collision coverage so that you can make the best decision for your needs.

Auto Insurance: What You Need to Know

Comprehensive Coverage 

Comprehensive coverage, also known as "other than collision" coverage, is an insurance policy that pays for damage that is not caused by a collision. This can include damage from events such as fire, theft, or vandalism.

It can also cover damage from natural disasters such as hurricanes, floods, or hail storms. In most states, comprehensive coverage is optional, but if you have a loan or lease on your vehicle, your lender will likely require you to carry it. 

Collision Coverage 

Collision coverage is an insurance policy that pays for damage to your vehicle that is caused by a collision either with another object or vehicle. This can include damage from accidents, hit-and-run incidents, or parking lot fender benders. If you have a loan or lease on your vehicle, your lender will likely require you to have collision coverage.

Deciding Whether You Need Comprehensive and Collision Coverage 

If your vehicle is paid off and you don’t rely on it for transportation to work or school, you may be able to get by with just liability insurance. However, if your vehicle is financed or leased, your lender will likely require you to carry comprehensive and collision coverage.

Even if it’s not required, carrying both types of coverage can give you peace of mind knowing that your vehicle is protected against a wide range of potential risks.

When deciding whether to purchase comprehensive and collision coverage, consider the value of your vehicle and whether or not you could afford to replace it if it were damaged beyond repair. An old car with a low book value may not be worth the expense of carrying comprehensive and collision coverage.

On the other hand, a newer car with a significant loan balance, carrying both types of coverage could give you financial protection in the event of an accident. Ultimately, the decision is up to you.

Get the Right Car Insurance Coverage

At Boss Insurance Agency in Kingwood, TX, we can help you find the right car insurance coverage for your needs and budget. We offer a wide range of coverage options, including comprehensive and collision coverage. Contact us today to get started.

Automobile insurance is a unique type of expense. It is probably one of the only expenses you pay that is required by law. Because of the heavy consequences associated with auto insurance, it is imperative that you make smart insurance choices. At Boss Insurance Agency, serving Kingwood, TX, we make it our business to help clients make good insurance moves. Keep reading to learn more. 

Auto Insurance FAQs

What Happens If I Don’t Have Auto Insurance?

If you allow your insurance to lapse, or if you do not carry insurance at all, you could face stiff legal consequences. In most states, you are required by law to carry a minimum of liability coverage. If you fail to do this, it could affect your ability to hold a license in your state. 

If you are in an accident when you do not have insurance, you will be held personally responsible for the damage to other vehicles involved and for medical expenses for the other drivers. You may even face more legal consequences if the other drivers choose to pursue legal action against you. 

What Does Auto Insurance Provide?

Auto insurance will provide money to pay for the cost of damage to other vehicles in the event of a car accident in which you are at fault. It can also provide money for medical bills for those other drivers. 

Auto insurance can also provide money for expenses incurred on your vehicle in an accident. If your vehicle is damaged another way, such as a hail storm, the policy will also pay for that. 

If you would like to learn more about auto insurance, or any of our other insurance services, please contact us at Boss Insurance Agency, serving Kingwood, TX and the surrounding areas. 

You woke up to a smashed window in your car and missing items. Does auto insurance cover your losses? It depends. Before we look at the scenarios, let’s review two critical factors of these claims. 

1 – Is it installed or part of the vehicle? Auto insurance only covers damage or loss to the insured vehicle. That means if the item is loose, like a portable device or a laptop bag, you’ll want to file the claim with your homeowner’s or renter’s insurance.
2 – Do you have enough comprehensive coverage? Vandalism and theft fall into comprehensive coverage. If you do not have any, or your deductible is too high to be of use, your coverage may be insufficient. 

Stolen Radio
Installed? Then it is covered under comprehensive. If your radio is a portable device, file with your homeowner’s or renter’s policy.

It’s important to note that if you have installed expensive aftermarket stereo parts, let your agent know and ensure your coverage is sufficient to protect your investment. 

Keyed Paint, Slashed Tires, and Vandalism

Covered, however, you might encounter betterment in this claim, particularly for tires. Insurance is legally obligated to bring your car back to the state it was in just before the accident and not beyond – what they call betterment. So, for example, they will replace a damaged tire with a new tire but subtract an estimated cost based on the existing wear and tear on the tread. 

Broken Windows

Smash and grab is a common tactic of thieves, and broken or damaged windows are covered under a comprehensive claim. Similarly, if the thieves broke into your steering column or damaged your door lock, those would be paid for with a comprehensive claim. 

Laptops, Bags, Purses, and Loose Items

Stolen items that are NOT connected physically to your car are not covered under your auto policy at all. File a claim with your homeowner’s or renter’s policy to get coverage for them. Better yet, avoid leaving tempting valuables in the car. 

To make sure you have all the coverage you need in Kingwood, TX, call or stop by Boss Insurance Agency today. We can help you navigate your policy and make sure you are adequately protected. 

Buying a car is incredibly exciting, but there is more to buying a car than just the car itself. You also have to consider things like car insurance from a company like the Boss Insurance Agency serving Kingwood, TX. But, how does insurance work, and why do you need it?

What is Car Insurance?

Car insurance is essentially a safety net in case you have an emergency relating to your car. Insurance will payout money to cover an unexpected expense, which you may not have the money to pay for yourself. Instead, you pay a set amount monthly, which is then pooled by the insurance agency with payments from other policyholders. The policy that you have and your personal driving record will determine how much you pay. Insurance commonly covers damages resulting from an accident, severe weather, vandalism, or theft. However, there is variation here depending on your own needs and the policy that you hold. 

Why Do You Need Car Insurance?

Most people don’t have thousands of dollars to cover the financial impact of an emergency at any given time, and even if you did, paying out thousands of dollars unexpectedly is never a good thing. Insurance covers that expense for you, so you don’t need to worry about draining your savings to fix your car after you get into an accident. It’s a safety net that catches you when you need help, and without it most people wouldn’t be able to afford the car that they drive and rely on to go to work, the store, and everywhere else in their daily lives. 

For more information on car insurance, please contact the Boss Insurance Agency serving Kingwood, TX today to set up an appointment.