Auto Insurance

Top Five Reasons Auto Insurance Claims Are Rejected

Posted on September 23, 2024September 16, 2024 by agentinsure

Auto insurance instills peace of mind, cushioning the financial impact resulting from an unexpected incident. However, a denied claim can leave you despairing. Stay on top of your auto insurance needs with InsureUS serving Cypress, TX, and arm yourself with knowledge about the primary reasons auto insurance claims get turned down.

1. Lapsed Policy

Like any other bill, paying your auto insurance premiums on time is vital to maintain continuous coverage. A missed payment may result in a lapsed policy, leaving you without coverage during an accident.

2. Lack of Coverage

A frequent reason for claim rejection is the lack of provision for the incident in your policy. Not all auto insurance policies are alike; that’s why it’s crucial to scrutinize all details to ensure you possess the necessary coverage.

3. Disputed Liability

In some instances, there may be a disputed liability, meaning the other involved party could be at fault. In such situations, their insurance may be responsible for compensating your damages.

4. Expired Timeframe

Most auto insurance policies establish a specific timeframe for filing a claim post-incident. Failure to meet this deadline may result in a rejected claim. Hence, it’s important to file your claim promptly following the incident.

5. Omission of Information

Claims may get declined due to inadequate information about the incident. It’s important to gather your composure after an accident and thoroughly complete all the requisite information to expedite claim processing.

For more information or assistance with any of your auto insurance needs, contact InsureUS, serving Cypress, TX. We are here to answer all your queries, specifically related to auto insurance claims.

Should a Texas car owner get an auto insurance plan?

Posted on January 22, 2024January 22, 2024 by agentinsure

If you live in the Cypress, TX area, you will find that it is the type of community that would require you to own or lease a car. It will be much easier for you to get around the community. Once you start looking for a car, you should also consider your insurance needs. A driver will need to get an auto insurance plan for various reasons.

Cover their Car

A great reason to have an auto insurance plan is to cover your car. If you buy a car, you will make one of the most significant purchases and investments of your lifetime. If you do not have insurance, you could face severe losses if the car is stolen or damaged in any accident. When you are insured with comprehensive coverage, you will have support in these situations.

Reduce Liability Risks

Getting an auto insurance policy to reduce your liability risks is also a good option. Those who are going to buy a car in Texas need to have liability insurance to meet state laws. Further, this coverage will offer support if you are liable for damages in such an accident. This could save a lot of money in challenging situations.

Those looking to build an auto insurance plan in the Cypress, TX, area will want to call our team with InsureUS to start the process. There are always a lot of essential choices to make when you seek coverage here, and our team with InsureUS will give you any guidance you need. Our team with InsureUS always takes a customized approach to evaluating options and ensuring clients are protected.

Should a Texas car owner get an auto insurance plan?

Posted on January 22, 2024January 22, 2024 by agentinsure

Cover their Car

Reduce Liability Risks

Auto Insurance for Teen Drivers in Cypress, TX

Posted on May 23, 2023May 23, 2023 by agentinsure

Parents of teen drivers face unique challenges when securing affordable auto insurance. As a trusted insurance provider, InsureUS is here to help you navigate the complexities of insuring young drivers and find the coverage that best fits your needs in Cypress, TX.

Why Are Teen Drivers Considered High-Risk?

Teen drivers are often seen as high-risk by auto insurance companies, leading to higher premiums. The main reason behind this is their lack of experience on the road, which makes them more likely to be involved in accidents. Additionally, teenagers are statistically more prone to risky driving behaviors, such as speeding or using electronic devices while driving.

Ways to Save on Auto Insurance for Teen Drivers

We understand the financial burden of insuring teen drivers and are committed to helping you find affordable coverage. Here are some strategies to lower auto insurance costs for your young driver:

Encourage Good Grades: Many insurance providers offer good student discounts for teens with a certain GPA. This promotes academic excellence and can lead to significant savings on auto insurance.
Enroll in a Driver’s Education Course: Completing a driver’s education course can provide your teen with valuable driving skills and may result in a discount on their auto insurance policy.
Choose a Safe and Reliable Vehicle: Opting for a vehicle with a high safety rating and modern safety features can help protect your teen on the road and may result in lower insurance premiums.

How InsureUS Can Help

Navigating the auto insurance world for teen drivers can be challenging, but we are here to help. Don’t let the complexities of insuring a teen driver overwhelm you – contact us today to discuss your options and secure reliable auto insurance coverage for your family.

Who should get motorcycle insurance if they live in Texas?

Posted on November 26, 2022November 26, 2022 by agentinsure

If you are in the Cypress, TX area, you will want to guarantee that you have a way to get around your community. Due to the nice weather that exists for most of the year, a motorcycle can be an efficient and practical transportation option. Along with your bike, you also need to have insurance for it. A motorcycle insurance plan will be needed in Texas for various reasons.

Those Wanting to Protect Asset

One situation when someone wants a motorcycle insurance plan is when they are looking to protect their asset. If you are going to purchase a motorcycle, you will want to know if it is covered if you incur a loss due to theft or damage. When you have a full motorcycle insurance policy, it will provide coverage for many situations that could result in a loss.

Those Looking to Comply with Requirements

An appropriate motorcycle insurance plan will also ensure you are able to comply with your various insurance requirements. If you are going to purchase a motorcycle, you may take out a loan, which will require that you carry a full insurance plan with comprehensive coverage. Further, to operate it in Texas, you need to have liability insurance to meet requirements set by the state. You will comply with these and other requirements if you maintain motorcycle insurance.

A motorcycle owner in Cypress, TX must always carry motorcycle insurance. Once you are ready to start looking for insurance, calling InsureUs is a good idea. The professionals with InsureUs understand the value of this coverage and will offer any support necessary to build your next plan. This will help give comfort that you are in compliance with any requirements and that your motorcycle is covered.

What Does RV Insurance Cover in Cypress, TX?

Posted on September 23, 2022September 23, 2022 by agentinsure

For residents of Cypress, TX, recreational vehicle (RV) insurance covers property damage to an RV. In addition, it provides payments for bodily injuries to the driver and passengers.

What’s Considered an RV in Texas?

According to the InsureUS team, an RV is a motorhome. In other words, it’s a vehicle instead of a trailer hitched to an automobile or truck.

What are the Minimum Coverage Amounts?

Liability insurance minimums for an RV are similar to those of personal automobiles in Cypress, TX.

$25,000 in property damage for each accident
$30,000 in injury coverage per person
$60,000 in personal injury coverage per accident

Coverage must meet or exceed these guidelines for your RV to be insured.

Additional Coverage

In addition to the minimum amounts, Texas insurance firms allow you to purchase additional coverage for your RV. For instance, comprehensive coverage handles costs to repair or replace the RV when damage occurs through vandalism, weather, fire, or collision with wild animals. Collision coverage shields the RV from accidents with other vehicles, property, or single rollover incidents.

Is There a Difference Between Full-Time and Part-Time RV Insurance?

Standard RV insurance policies cover part-time use. If you live in and drive your RV full-time, a different policy is required. In that instance, you need coverage for items like medical issues and loss payments.

Is Insurance Needed on a Towed RV?

RV insurance isn’t typically required for a towed (fifth-wheel) trailer. However, the vehicle doing the towing must be insured. For example, a pickup truck or SUV with the capacity to tow a several-ton trailer.

Do you have questions related to RV insurance? If so, contact representatives at InsureUS to get the answers you need.

Tips When Shopping for Auto Insurance

Posted on May 19, 2022May 19, 2022 by agentinsure

Do you own a car in Cypress, TX? Car ownership provides a sense of freedom and endless possibilities. However, car ownership comes with financial responsibility, which includes car insurance. Whether you are a first-time or seasoned car owner, buying car insurance is never easy. However, you can land a policy that satisfies your budget and other needs with a little bit of preparation.

Are you shopping for car insurance in Texas? InsureUS shares tips and tricks to help you get the right policy.

Familiarize yourself with car insurance coverages

Car insurance comes with numerous options. It’s always good to familiarize yourself with different car insurance policies to know the option that fits your needs. Common car insurance coverage options include:

Collision coverage
Comprehensive coverage
Liability coverage
Uninsured motorist coverage
Medical Payments (MedPay)
Roadside assistance

Know the state requirements

Like most states, Texas has minimum requirements for car insurance. All motorists must include bodily injury and property damage liability policies in their insurance policies. Failure to have the right insurance policy could result in numerous fines and penalties, including license suspension.

Consider car insurance exclusions.

Just like it’s important to know what your car insurance covers, learning about insurance exclusions saves you from heartache when filing a claim. Typical car insurance doesn’t cover intentional damage, racing events, business operations, and unauthorized drivers.

Shop around

Don’t settle for the first quote you get from an insurance company. Ask for several quotes to make comparisons. And the best thing? Car insurance quotes are free, and you can get them online or by working through an independent agent like InsureUS.

Choose a reliable insurance agent.

An insurance agent is like your financial advisor, so you had better get it right. A knowledgeable insurance agent analyses your finances and risk profile and recommends an insurance policy that suits your needs.

Need to learn more about car insurance in Cypress, TX? Please get in touch with InsureUS for more information.

Your car is watching you–and that might be good news.

Posted on January 29, 2021December 5, 2020 by Victor Varma

Your auto insurance rates could soon be set based on how you, personally, drive–not on your statistical risk.
General Motors Co. (GM) has launched an auto insurance program with its OnStar subsidiary to match data on driving patterns and usage to insurance costs. Tesla and Ford have also announced initiatives, according to Claims Journal.
Right now, insurance companies use criteria such as age, gender, neighborhood and/or credit scores to set insurance prices. Consumer advocates have found this unfair because a good driver could live in a neighborhood that is unsafe and have a lower credit score.
Statistically, a teenage boy is the world’s worst auto insurance risk and insurance rates reflect this. But with usage-based insurance pricing, even a teenage boy might be able to demonstrate he is a good risk.
The mechanism of future insurance pricing will come from telematics–devices that collect real-time information on driving patterns and use. According to JD Power, demand for insurance based on telematics has increased during the pandemic as customers, working from home, thought they could save money on insurance.
What that could mean for good drivers and drivers who don’t drive much is lower rates. Bad drivers would get higher rates. Depending on how the technology is deployed, drivers might get real-time feedback about how they are doing, according to the Insurance Information Institute (III). That could be like having a permanent back-seat driver who is always right. But drivers do respond when they have incentives to drive better, according to iii.org.
A study by Willis Towers Watson showed that, in commercial fleets monitored by telematics, crash rates fell by 80 percent.
But will drivers have privacy concerns, or will they resent having their every driving move monitored? Another survey by Willis Towers Watson suggests not. Resistance to the idea of cars monitoring driving is low, about seven percent.
GM will use data from its on-board concierge service, OnStar. The service helps drivers in emergencies and with navigation, but it also collects data on driving patterns. It takes special note of hard braking and acceleration.
Tesla’s initiative hasn’t yet launched.
Ford Motor Company has teamed up with Allstate Corporation to allow customers to share driving data.
GM says its OnStar program has provided the company with more data from connected vehicles than any other carmaker, as quoted in Claims Journal.
The company’s insurance offer will start in Arizona and use braking, acceleration, and general usage data to help set insurance rates. The program is set to expand nationwide using more data, including tire pressure, lane keeping and automated braking. More use of connected car data could be used if regulatory hurdles can be overcome.

Consider assets when buying auto insurance

Posted on January 22, 2021December 5, 2020 by Victor Varma

We’re inundated with car insurance ads at every turn, each pledging better rates or more personal service. But aside from knowing what your premium is, do you know what your coverage is and whether you have enough?
Your policy will cover liability, bodily injury liability (BIL), property damage, personal injury protection, uninsured/underinsured motorist coverage, collision and comprehensive.
Many states require a minimum amount of coverage, but you probably want to consider insuring for more. Medical bills can add up to many thousands in a hurry, and you don’t want to be on the hook.
Liability packages often have three numbers, like 100/300/100. This refers to the amount of coverage for bodily injury per person (100k), per accident (300k), and property damage (100k). Individuals with higher net worths may want to boost the first two.
The Wall Street Journal says a good rule of thumb is to get coverage for an amount equal to the total value of your assets (house, car, savings, and investments). Those could be seized to cover repairs or medical expenses otherwise.
Uninsured/underinsured motorist coverage is also vitally important. This pays for damage to your car and passenger injuries caused by an at-fault driver who doesn’t have liability insurance, or a hit-and-run driver. Consumer Reports suggests buying the same limits as on your liability insurance.
Remember also to sign up for the highest deductible you can afford, which will reduce your premiums.

Are you uninsured or under-insured?

Posted on September 18, 2020August 5, 2020 by Victor Varma

Life comes at you fast. In your youth at the peak of your health, in middle age, at the height of responsibility, what if an accident or illness took you off the family map? We all know it can happen and few think it will.
As a matter of fact, about 40 percent of people have no life insurance at all. Of the people with life insurance, about half are underinsured.
But the cold fact remains: What happens to your family if you die? Will they be able to afford the house? How will their lifestyle change? Who will support the family? How will they support the family?
Life insurance answers many of those questions — and it answers them affordably.
The least expensive form of life insurance — term insurance — is very inexpensive. A healthy 30-year-old can get $250,000 of insurance for about $15 per month. The earlier you buy term insurance, the less expensive it is and many policies don’t even require a health check.
Many people have life coverage at work, but this should be reviewed because it may not be enough. Primary breadwinners should have coverage equal to six to 10 times their annual incomes. Term policies usually cover only your working life.
Whole life is another kind of life insurance. Unlike term policies, it covers you for life, as long as you make payments. It also has the benefit of building cash value. Although most experts say it shouldn’t be considered an investment, if you get a big policy at a young enough age, and keep it until retirement, you could have a nice nest egg to tap into at retirement. Whole life policies can also be cashed in by your Power of Attorney for some part of the face value if you enter a nursing home, for example. It could be considered a small inheritance. Whole life policies usually require a medical exam and are unlikely to cover smokers.
Many websites compare costs of life insurance options.