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.

When you’re driving around Arlington, TX and you experience some kind of windshield damage, it is important to know whether you are covered. Much of this will depend on how the windshield became damaged as well as what coverage you have within your insurance policy.

Damage from Road Debris

If you’re driving down the road and a rock or other debris hits your windshield, it may result in a cracked windshield or a large nick. If you have comprehensive auto insurance, you will be covered against this type of damage. Comprehensive coverage includes everything that is non-driver related. This would not be something that you could avoid, so it isn’t part of your liability coverage. Comprehensive coverage would also include hit and runs, as well as any damage if your car is parked somewhere. Strack Insurance Services can help to explain what is and isn’t required by the state.

Damage from a Crash

If you get involved in a crash in or around Arlington, TX, your liability coverage would likely cover the windshield damage. You are required to have property damage liability on your policy. The state of Texas requires everyone to have liability auto insurance to cover expenses for the other driver, which means that if someone else caused the accident, their insurance would cover the damage. If it was your fault, you might need to have PIP (personal injury protection) on your policy.

Ultimately, when you file a claim, insurance companies are going to look at the kind of coverage that you have before they determine whether they will pay for the windshield damage or not.

At Strack Insurance Services, agents can help you to identify the necessary auto insurance to cover you for various forms of windshield damage. Plus, it’s possible to have a comprehensive auto insurance policy so that you have coverage against anything that could potentially happen on or off the road.

 Using company vehicles to accomplish the everyday needs of your business is essential to most business owners. Having the proper commercial auto insurance for your drivers is equally necessary. In order to protect your drivers and your company from expensive liability, adequate commercial auto insurance can be obtained through Strack Insurance Services. Here are some FAQs concerning commercial auto insurance to get your started.

Who Needs Commercial Auto Insurance?

Any business which uses company owned vehicles in order to accomplish business travel or transportation needs to have commercial auto insurance. This protects both the drivers, the business and the business owner.

What Does Commercial Auto Insurance Cover?

Commercial auto insurance will basically cover the same types of liability that a personal auto insurance policy would cover. This can include damage to the vehicle as well as liability should someone be injured by one of your drivers.

If I Do Not Own Company Vehicles Do I Still Need Commercial Auto Insurance?

In some cases, yes. If your business does not own company vehicles, but employees often use their own vehicles for business errands, it is a wise investment to purchase a Hired, Non-Owned Commercial Auto Insurance policy. This will protect your employees while they are using their own vehicles for business purposes or when rented vehicles are being used for business purposes.

Will My Personal Auto Policy Be Enough for My Small Business?

In some instances, yes, but if your personal vehicle is being used on a daily basis for business related travel, then a commercial auto insurance policy is best.

To learn more about commercial auto coverage you can call one of our friendly agents at Strack Insurance Services today serving the Arlington, TX area.

Most dogs absolutely love going for a car ride with their master, and many Arlington, TX pet parents equally enjoy having their furry friend along. Many owners just open the car door, their dog hops in, and off they go. Unfortunately, there are many ways this innocent act can lead to disaster.

Whenever possible, your dog should be safely secured when traveling in a car. Otherwise, if you’re involved in an accident, your dog may be catapulted around the car’s interior and seriously injured or killed. It’s also not uncommon for a dog to simply slip out the door during a gas stop or bathroom break and disappear. At Strack Insurance Services, we hate to hear when things like that happen.

Fortunately, there are several options for properly securing your dog in the car. A safe method is to use an approved travel crate that’s secured to the vehicle’s seat or floor. If you keep it set up in your regular vehicle it’s easy – just open the door, in he goes, close the door, and you’re on your way.  

Another option is a safety harness. These fit on your dog like a regular harness but are designed to disburse force across a dog’s chest and body where it will do the least damage. You put the harness on your dog and clip it to a seatbelt with a short, strong tether. The dog can move around a bit but is safely restrained. It’s also easy to use in multiple vehicles with minimum hassle.

Accidents happen, so if you love your dog, secure it while in the car. It’s that simple. Also, make sure your insurance is to date. If you need to review or update your auto insurance in Arlington, TX, contact Strack Insurance Services for help.

Maintaining auto insurance is mandatory for all motorists. However, quality auto insurance is optional. Are you looking for reasons why the quality of your auto insurance company matters? The following is an overview of three reasons to maintain quality auto insurance coverage. 

Lawsuit Protection

First and foremost, one of the top reasons to maintain quality auto insurance is protection from costly lawsuits. Although maintaining coverage is mandatory, if you have an inferior auto insurance coverage, you could still end up on the hook for hundreds, thousands, or even millions of dollars. Purchasing a high-quality policy is the only way to ensure you and your vehicle are fully protected. 

Save Time

In addition to that, high-quality auto insurance companies more than earn their keep overtime. In terms of dealing with customer service, especially in the case of an accident, dealing with a high-quality insurance company can mean the difference between a seamless recovery and a migraine of an experience. Be sure to maintain quality coverage to avoid unnecessary turmoil. 

Medical Bills 

Lastly, one of the greatest reasons to maintain quality auto insurance is that a quality policy can help supplement medical bill s in the event of an accident. Although it is unfortunate and certainly not the norm, people occasionally suffer from long terms and/or severe injuries during a car crash. The average person does not have enough coverage to handle these expenses. however, by purchasing a high-quality policy, you will ensure that you and your passengers are covered even during the worst-case scenario. 

Overall, if you need quality coverage in Arlington, TX, Strack Insurance Services is the way to go. A premier company located in Arlington TX, Strack Insurance Services is here top service all your insurance needs. Contact us today! 

Texas requires drivers have the ability to pay for damages or injuries when responsible. Most people secure an automobile insurance policy that satisfies the state’s minimum coverage standards. Unfortunately, the state has some of the fastest legal highways and devastating high-speed accidents. If you are involved in one of these catastrophic crashes, your coverage could fall short. That’s why at Strack Insurance Services, our professionals work closely with people in the Arlington, TX area to create policies that provide secure coverage.

Dangerous Speed

While the state touts a relatively high-speed limit of 70 mph, the Texas Transportation Commission allows some roadways a maximum of 75, 80 and even 85 mph. That ranks the Lone Star State with some of the fastest highways in the nation. Among these are Route 20 that runs right through Arlington. It’s no wonder that Texas averages more than 500,000 accidents and 20,000 serious injuries or fatalities each year. In 2015, someone was injured in an accident every 8 seconds.

Catastrophic Costs

When a person sustains a serious injury from a car crash, medical costs for surgery alone can easily exceed $100,000. Rehabilitation, long-term care, and lost earnings are also things that will cost money. The current insurance minimums are only $30,000 per person, $60,000 per accident and $25,000 for property damage. In the event of a traumatic car crash, minimum coverage would quickly be exceeded, and the injured parties could file a civil lawsuit against you for the remainder.

Taking out the legal minimum coverage to get on the road could put you in a difficult financial position in the event of a devastating accident. At Strack Insurance Services, we’re available to explore options that can provide you with the secure insurance coverage you deserve. We are proud to serve members of the Arlington, TX community and look forward to working together.

Distracted driving has become a dangerous practice on the streets and highways of Texas. The popularity of mobile smartphones have resulted in unintended and deadly consequences for a driver and other surrounding automobiles on the road. An increased number of traffic accidents have occurred due to a driver’s continuous correspondence with another individual via text messaging.

A Recent Study Reveals…

A recent study conducted by the Texas A&M Transportation Institute has revealed a high number of Texans admitting to routinely texting with a friend, loved one or work while driving a vehicle. Approximately, 3,000 drivers took part in the study, and two out of four drivers confessed to reading and sending corresponding texts during their time navigating on the road. The Texas Department of Transportation reports that text messaging has accounted for 1.3 million traffic accidents, as nine people die each day from being distracted behind the wheel. Unfortunately, many of those victims are under the age of 25 years old.

Types of Distractions That Occur on the Road

Usually, a distraction falls under three categories: visual, cognitive and manual. Visual distraction occurs every time a driver’s eye is taken off the road. A cognitive distraction is when a driver fails to react to an action taking place in front of them on the road. Finally, manual distraction is when a driver’s hands are off the steering wheel while the vehicle is moving.

Local Government’s Reaction to Distracted Driving

Cities in Texas have implemented their own laws against texting while driving. No one under the age of 18 years old is permitted to text while behind the wheel of a vehicle. Other driving restrictions include permit-holders are prohibit from using a smartphone inside a car during their first six months after passing the written portion of the driver’s test, school bus drivers cannot use a cell phone if children are present and no cell phone usage is permitted inside a school’s crossing zone.

Strack Insurance Services in Arlington, TX can provide the type of car insurance that meets your standards. They have the experience to provide the right features that will help to take the stress off your mind. 

In the United States, there is nowhere bigger for road touring than Texas. Auto insurance is mandated under law in the Lone Star state. 

Minimum insurance coverage for Texas drivers is liability for coverage of another driver’s injury once an accident is established as an “at faulty” collision. Have knowledge of your driving record when requesting an auto insurance quote. Depending on a driver’s record, Texas rules to insurance registration with the state Department of Motor Vehicles (DMV) may require that a driver is covered by a comprehensive auto insurance policy.  These are the main categories of auto insurance coverage available for drivers in Texas:

Liability Coverage – basic auto insurance every driver must carry in Texas. Liability insurance is mandated under law, and covers injury and property damage claims made by another driver.

Property Coverage – coverage of repair and replacement of property after a vehicle has sustained accident or vandalism.

Medical Coverage – compensates for medical and hospitalization bills, and sometimes lost wages due to injury, and funeral expenses.

Comprehensive Coverage – combined liability, property, and medical auto insurance policy covering all costs associated with an accident or theft claim.

Premium obligations are generally indexed higher on comprehensive auto insurance agreements, yet there are no future medical, property repair, or attorney fees for the insured out-of-pocket once covered. Drivers with a record of traffic tickets, accident incidences, or those categorized as a risk, may be obliged to meet Texas DMV comprehensive auto coverage requirements. Drivers with good driving records, may find discount insurance incentives offered by insuring companies. Ask your insurance broker if about discount eligibility on an auto insurance agreement.

To find out about auto insurance coverage in Texas, and to request a quote, contact Strack Insurance Services, Arlington, TX.

When it comes to snow, ice, water and everything wet on the road, one thing matters the most (and it’s not the power of the car engine) – traction. If a vehicle driver has no ability to achieve grip on the road, bad things happen very quickly in the car or truck being driven, especially at speed. However, in many conditions, it simply isn’t practical to be using snow chains. Obviously, when it’s not snowing, chains are pretty much useless. And regular car tires with a bit of wear often end up sliding far too easily, and much more if they hit black ice in a curve. This is why winter tires are so important; they provide the middle point between a regular tire and a fully-chained vehicle. With winter tires a driver has the flexibility and movement of a regular car tire but far greater traction that digs into the road, funnels water out with deeper groves and proves a greater contact point to propel the car with. And they can go at regular speeds, which is pretty much impossible with chained tires, even with snow cables.

Of course, the added benefit of winter tires is that they help prevent the situations that often lead to car accidents and vehicle damage during wet and ice conditions. And that means lower insurance costs for a driver and safe transport from point A to point B, even if Jack Frost is throwing his worst rain or snow along the way. For those in the Arlington, TX region, Strack Insurance Services can help with suggestions and local service references that provide winter tires and can handle the installation for them. Don’t take unnecessary risks during the winter; get the right tires for the season and drive safe. Agents at Strack Insurance Services have repeatedly handled winter car accidents and know from experience the benefits of winter tires for their clients.