If you are shopping for insurance for your business, you may be unsure about what you need. In fact, it can be confusing when you hear all of the different terms that are used with insurance. 

You may be looking at general liability insurance and wondering what it is. Here are some things that you need to know about liability insurance. 

Liability insurance is used to protect your business against any accidents that may occur at your place of business. If a client slips and falls when you are meeting together, you may be held liable.

It will also cover injuries that occur when you are meeting outside of your place of business. If you meet clients at a coffee shop, and they slip and fall, you could still be liable for their injuries. 

Liability covers bodily injuries. It will help you to pay the medical bills that may occur to someone that you are doing business with. 

It can also cover property damage. If property is damaged due to an accident, your insurance will cover the costs, so you don’t have to worry about them.

It may also cover any legal fees that you may occur. If a client decides to sue you, you have a lot to lose. Your insurance will help to cover the cost of a lawyer and any other legal fees that you may find yourself facing. 

If you have a business, you could end up losing your business and even your home if you find yourself in legal trouble. It is much better to make sure that you have enough insurance to protect yourself against anything that could happen.

Want to make sure that you have enough coverage, contact us today at Strack Insurance Services in Arlington, TX. 

Given that liability coverage pays costs associated with a third party when you cause an accident and injure another person or damage their property, you’ll want to have enough coverage to protect the entirety of your assets if sued. There are two types of liability coverage that are required in Texas – bodily injury liability and property damage liability.

The first, bodily injury liability, is money paid by the insurance company – up to your liability policy max – that is paid to others when you injure another person in an automotive accident that is your fault. Typical items covered by bodily injury liability include funeral costs, medical expenses, recovery treatments such as physical therapy, and lost wages. The second type, property damage liability, pays for damage that you cause to another vehicle or person’s property in an at fault accident. Additionally, liability can be used to pay for attorney fees and court costs if you are sued after an accident. 

While it can be tempting to purchase the minimum required liability coverage, the total coverage is unlikely to be sufficient during a serious motor vehicle accident. At Strack Insurance Services in Arlington, TX we can work with you to determine how much liability coverage is ideal for your situation. Bear in mind that liability coverage does not pay for your medical bills or vehicle repair costs as it is only meant for damages you inflict while driving. Additional types of auto insurance coverage such as collision and comprehensive are designed to protect you, your loved ones, and your property in an accident. 

When you need auto insurance in Arlington, TX call the company that the pros trust – Strack Insurance Services. Our friendly team of insurance professionals can answer any questions and help you customize an auto insurance policy that best meets your needs. 

The Arlington, TX area continues to be a fast-growing part of the state. Those that are going to live here will want to know that they can get around the community quickly. The best way to do this is by investing in your own vehicle. If you do choose to purchase a car when you are here, it would be a good idea to also have insurance. Vehicle owners here will need coverage for a few reasons.

Protect Car

A reason that a lot of vehicle owners in this area of Texas get auto insurance is so they can protect their cars. Anyone that is going to buy a vehicle will want to be able to use it for a long time. If your vehicle is damaged or stolen at some point, you could lose it unless you have the proper insurance to replace the vehicle. 

Coverage is Often Required

Having auto insurance is also almost always a requirement for any vehicle owner. In Texas, you are required to carry liability insurance if you want to drive your car on a public road. If you do not have this protection, you will be in violation of the law and face various penalties. Car owners also will need insurance if they have a car loan outstanding as lenders require it to ensure their collateral is protected. 

It is clear that car owners in the Arlington, TX area will always need to have auto insurance. If you are looking for an auto insurance plan in this area of Texas, calling Strack Insurance Services would be a good option. If you do call Strack Insurance Services you can learn a lot more about your different insurance options. This can help ensure that you choose a plan that is right for your situation. 

In Texas, as in other states, state laws determine the minimum amount of auto coverage each driver must have on their vehicle. Though it has higher minimum coverage amounts than many states, it can be smart to get even higher coverage in case the worst should happen. If you need auto insurance in Arlington, TX, call us at Strack Insurance Services to make your appointment to speak with an agent about your needs. 

Liability Insurance

There are several types of coverage that you must have in Texas, and all of them fit under the umbrella of liability insurance. This means that the coverage is for other people who are involved in an accident with you. It does not pay for your own expenses. There is a minimum amount that every vehicle must be covered for in case one person is injured in an accident with you. Then, there is a higher amount required for everyone who was injured in the accident with you. In addition to these amounts, vehicles must be covered for property damage liability of at least a set minimum amount of coverage. You can also get more liability coverage than the law requires in order to be ready for serious accidents.

Other Coverage Types

Because none of those require coverage types pay for your own expenses if you are in an accident, many drivers take out additional coverage types. This is a good idea for any driver, as the expenses in cured in an accident can be substantial. Getting collision coverage is a good way to protect your finances if you were to be in a serious accident. It pays for the damages to your vehicle, either for repairs or a replacement after it’s been in an accident. Comprehensive coverage pays for many other ways that a vehicle can be damaged other than an accident. 

Call Us Today

To get the auto insurance you need in Arlington, TX, call us at Strack Insurance Services. 

When you purchase auto insurance in Texas, you must carry liability insurance, this is mandated by law. You don’t need to carry collision and comprehensive but may be required to do so by your lender or lessor. These are all important types of coverage that protect others from you and protect your car in the event of an accident or a peril beyond your control. Strack Insurance Services in Arlington, TX is a family-owned and operated independent insurance agency. Our team has years of experience providing the finest in customer service to our clients. 

Roadside assistance

Whether it is a flat tire, your lock yourself out of your vehicle or have a battery that won’t turn over,  nothing is more annoying than being stuck with a vehicle that is not operating correctly. You can opt to have AAA which will provide roadside assistance services but it is available for a much more affordable rate from your auto insurance company. 

Uninsured motorist coverage

You make sure that you have the coverage you need to protect other people from an accident that you cause but what about if you are not the responsible party? If the person who damaged your car has inadequate insurance, you can be left with damages that aren’t paid for. This insurance protects your vehicle from underinsured or uninsured drivers. 

Gap coverage

If your vehicle is totaled, you may be left with a loan that is larger than the payout you get from the insurance company. This coverage will fill the gap between what you get and what you owe. 

Rental car coverage

When your vehicle is out of service due to a covered peril this coverage will make sure that you have a rental vehicle to get you where you need to go. 

If you think these add-ons are worth adding, at Strack Insurance Services in Arlington, TX we are here to help you enhance your policy. Give us a call or stop by our office for a free quote. 

Drivers in Arlington, TX live in a busy area and traffic can be very heavy. Driving in heavy traffic makes the need for good auto insurance even more important. In the state of Texas, drivers are required to carry basic auto insurance which is liability insurance. This protects other drivers from you in the event that you are the at-fault driver. Talking to the staff at Strack Insurance Services will help you to understand the basic auto insurance that you as a driver must carry and other types of insurance that may be right for you. 

Texas is a 30/60/25 insurance state. What that means is that you must have $30,000 personal injury per person and $60,000 total per accident and $25,000 property damage. While this may sound like a lot of coverage, it is pretty basic when you think about what the potential for damages could be. If you have assets, they could be in danger if you are involved in a serious accident. Talking to your insurance agent can help you determine the amount that might be correct for you. 

While basic auto insurance takes care of the other driver and the other vehicle, what about your vehicle? If you have a loan on your vehicle you will need to carry collision and comprehensive coverage to protect the vehicle. After the loan is paid off it may be tempting to let it lapse. However, if you would have an issue paying for a major vehicle repair or replacing your vehicle out of your pocket then keeping this coverage is important. 

If it is time to look at your auto policy or you are thinking about new coverage, in Arlington, TX , Strack Insurance Services has the experienced team to give you the information you need to make an informed decision. Stop by the office or give them a call for a no-obligation quote.  

If you are a regular traveler, the chances are that you have invested a lot in your transport means, whether it is a car or flight. For car users in Arlington, TX, having dependable adequate auto insurance is part of a large financial setup. Regular travelers require a particular type of coverage to help keep them safe on the roads. If you are a traveler and not sure about what to prioritize on your auto insurance, you can always seek financial advice from Strack Insurance Services, and we will help you make informed decisions

Car insurance for travelers: Is it available in Texas?

While there are still states that leave travel drivers out in the cold, most states have put travelers into consideration–including Texas. Texas is among the 42 states that value travelers and have set various standard coverage options available in an auto insurance policy. An insurance company will customize your policy based on the most important to the least essential coverages.

Standard coverage options offered

When you buy auto insurance, you still get the basic coverages. they include:

• Liability coverage
• collision coverage
• personal injury coverage
• medical payment protection
• comprehensive coverage
• uninsured and underinsured motorist protection

What are the additional coverage options and features offered?

Features vary from one insurance provider to another. It is up to you to determine what works for you best, and that’s why we recommend seeking help from a professional. Here are the most common additional coverages on top of your primary auto insurance coverages.

• Rental car reimbursement
• new car replacement
• ride-sharing coverage
• Roadside assistance
• Accident forgiveness

It is essential to understand that the cost of auto insurance varies and heavily depends on everything about the applicant, including the type of car. You may need to do some little research before shopping to get the most out of your texas policy. Feel free to visit us at Strack Insurance Services, serving Arlington, TX for questions, policy discussions, or quotes.

Driving a car in the Arlington, TX area is a daily responsibility for many people. To ensure that your car is properly protected, you need to make sure that you have a quality auto insurance policy. Unfortunately, many people find that picking a policy can be challenging and confusing. However, there are several factors to consider that could help you to choose the right policy for your situation.

Basic Requirements

The first factor to consider is your basic auto insurance requirements. To start, you will need to make sure that you are in compliance with all state of Texas insurance laws. Similar to other places, Texas drivers need to have bodily injury and property damage liability insurance. This makes sure that you have coverage if you are found liable in an accident. Additionally, you need to check with your auto lender to make sure you have the appropriate coverage in place. 

Asset Protection

If you do not have an auto loan, you may not be required by anyone to have collision and comprehensive insurance. However, that does not necessarily mean that have this coverage is not a good idea. While it comes with further costs, this type of coverage will protect you from many situations that can cause a loss. This includes if your car is stolen, involved in an accident, or even damaged by bad weather. 

It is very important that you choose the right auto insurance for your situation. Because of this, you should reach out to the team at Strack Insurance Services whenever you are shopping for a new policy. The insurance professionals at Strack Insurance Services can help an Arlington, TX car owner find the right policy for their situation. This will ensure you get good coverage and peace of mind. 

There’s a lot of excitement to enjoy when buying a new or used vehicle, especially when you’re buying off a great dealer. However, even with a brand-new or greatly-maintained used vehicle, you still never know what could go wrong. Something as simple as a loose lug nut on the wheel could result in the tire falling off. If you was to end up in the ditch, would you be protected? With the right auto insurance policy, you can rest easy knowing you are fully protected at all times. Here at Strack Insurance Services serving Arlington, TX, we strive to ensure all of our customers are safe on the road. Let’s take a look the top two ways having auto insurance provides peace of mind.

Protect Your Vehicle

With a policy in place that offers collision coverage, you can rest easy knowing your car is protected in the event of an accident. This means even if it’s totaled, you’ll receive compensation to buy another one. Having insurance not only protects your vehicle, but it also protects property and other people’s vehicles in the event you were at fault.

Protect Your Health

Medical expenses can quickly add up if you are in an accident. For many people, these expenses haunt them for the rest of their lives. Fortunately, with the right auto insurance policy, you can take comfort in knowing your medical bills are covered in the event you are in an accident. With underinsured coverage, your medical bills are still covered if the at-fault party doesn’t have enough coverage to pay for your medical expenses.

To learn more about the various ways in which auto insurance provides peace of mind, please contact Strack Insurance Services serving Arlington, TX today.

It’s not uncommon for people to “bend” the rules from time to time when driving. Bending the rules, however, can come with consequences in the form of moving violations and higher auto insurance costs. By talking to a Strack Insurance Services agent in Arlington, TX, you can get a better idea of the effect a moving violation can have on your insurance. Knowing the consequences of traffic violations such as the ones below could encourage you to change your driving habits.

Speeding

Speeding is a common traffic violation that’s on the rise – so are speeding tickets. Speeding contributes to approximately a third of traffic deaths in the country, making it a major problem. You may escape a hike in insurance for your first violation, but consequent tickets will definitely increase your auto insurance costs.

Reckless Driving

Reckless driving causes an untold number of crashes annually, many of which result in death. In Texas, you can have your license suspended for repeat convictions of reckless driving. This will put you in the “higher risk” category for insurance, meaning you’ll pay much more for your coverage.

Improper Passing & Failing to Yield or Stop

Failing to yield/stop and improper passing are considered minor traffic violations yet they can come with costly consequences when it comes to your auto insurance. If you’re found guilty, you run the risk of paying as much as 15% more for your auto insurance coverage (on top of the ticket for your violation.)

By sticking to the rules of the road and driving safely, you can avoid paying more for your auto insurance coverage. In fact, you can qualify for reduced rates on your premium. To learn more on how you can save money on auto insurance, contact Strack Insurance Services in Arlington, TX.