4 Things You Should Know About Texas Motorcycle Insurance

License, check. Full tank, check. Helmet, check. Now it’s time to hit the Texas roads with your bike. Fortunately for bike enthusiasts, Texas provides an ideal place to ride your bike all year long. However, no matter the bike you ride, you need proper motorcycle insurance from Access Insurance Services of San Antonio, TX for well-rounded protection. 

Before jumping on your bike’s seat, here are things you should know about Texas motorcycle insurance. 

Motorcycle insurance is mandatory in Texas

Like most states, Texas requires motorcyclists to carry motorcycle insurance when riding on public roads. Texas requires drivers to have at least property and bodily injury liability coverages in their motorcycle insurance. Failure to provide proof of insurance ownership attracts penalties of between $175 and $350 for first-time offenders and a surcharge of $250 when renewing your license. Of course, these penalties go up drastically for repeat offenders. 

State-required minimums aren’t enough

It’s crucial to adhere to state minimums, but they are never adequate. The minimum insurance covers other people but not you and your bike. In light of this, consider the below motorcycle coverages for optimal coverage:

  • Comprehensive coverage
  • Collision coverage
  • PIP or medical payments coverage
  • Uninsured/underinsured motorist coverage
  • Roadside assistance coverage

It covers you even when your bike is parked

Motorcycle insurance doesn’t cover you when hitting the road only. It covers your bike even when parked in your garage or in front of your home. Perils like theft, fire, vandalism, and several natural disasters can strike whether riding or not. Fortunately, motorcycle insurance saves the day when such disasters occur. 

Bundling insurance can save you money

Because everyone wants to save, there are creative ways you can devise to save your motorcycle insurance premium. One such way is bundling your insurance coverages to enjoy economies of scale. Bundling your motorcycle insurance with a boat, home, or vehicle insurance policy can save you a few dollars. 

Is your motorcycle insurance still unanswered? Please contact Access Insurance Services for more information. Furthermore, you can visit our San Antonio, TX offices to speak to one of our agents. 

Do I need life insurance in San Antonio, TX if I am single?

At Access Insurance Services of San Antonio, TX, we are often faced with this question from our clients: Do I need life insurance if I am unmarried? The simple answer is yes. Life insurance isn’t only about married people and persons with children. It’s broader than that. Here are a few reasons you should purchase life insurance even if you are single.

You have debts

If you have federal student loans, your debt is written off once you die. However, if you have private student loans with a consignor, he or she may still have to repay the loan when the good Lord takes you. The same goes for other cosigned debts — mortgages, jointly owned credit cards, and car loans. 

Anyone that guarantees your loan will have to bear the financial burden if you die. As such, life insurance becomes a worthwhile investment to ensure that you don’t burden those you leave behind with loans. 

You have other dependents

Maybe you don’t have children, but you have other people depending on you. It could be your siblings, parents, or someone close. If you want your dependents to have an uninterrupted flow of income when you die, life insurance is the go-to safety net.

You own a business

If you have a business partner, it’s good to invest in life insurance to ensure the business’s continuity. Life insurance plugs the financial hole left in case of the demise of one of the partners. While life insurance won’t replace your skillset, it buys your partner time to make decisions suitable for the business. 

To cover funeral expenses

Final expenses cost an average of $7,000 to $10,000. Without proper investment and planning, you could burden your mourning friends and family with funeral expenses. However, when you purchase life insurance, your loved ones can mourn your death peacefully without the headache of footing your final expenses.

Are you ready to get started with life insurance? Whether young or old, it’s never too late to talk to Access Insurance Services of San Antonio, TX, for life insurance coverage. Contact us today.

Commercial insurance FAQs

As a business owner operating in San Antonio, TX, having commercial insurance shouldn’t be optional. It is a necessity that helps you to protect your organization. However, there are some complex issues that you might not be having some clear answers to when operating in this market. Access Insurance Services provides detailed answers to some of the complex problems in commercial insurance. 

Is Commercial Insurance Tax Deductible?

Commercial insurance is treated as a general expense in an organization. Therefore, it is a tax-deductible expense. However, it should specifically be to operate your business. However, there is some commercial insurance that is not tax-deductible. If the business insurance is for reserve funds or replacing lost income, such policies are not deductible.

Is Commercial Insurance Required by the Law?

Commercial insurance is not required by the law. However, having it in your organization helps you cover some of the legal aspects that may affect your organization. For example, commercial insurance may help your company to cover disability expenses. There are some instances of professional liability that are likely to occur. That is why you need to have commercial insurance to handle such issues.

Does Commercial Insurance Cover Lawsuits?

Commercial insurance can help in covering everything concerning your organization. In this case, it can help your company cover all the legal costs that your entity might be facing. However, you need to ensure that you have enough coverage for your business insurance to cover lawsuit expenses. Some basic commercial insurance policies may not cover lawsuit expenses.

Get the Right Commercial Insurance

The primary aim of having commercial insurance is to help in covering your business against possible financial liabilities. In San Antonio, TX, Access Insurance Services stands out as the best company for commercial insurance. We’ll help you to get a cover that meets your business needs.

Do I need to get home insurance in San Antonio?

For people that live all over the San Antonio, TX area, owning a home can be a great long-term investment. Those that choose to purchase a home in this area of Texas will enjoy the long-term price appreciation and other ownership benefits. When you are going to purchase a home in this area of the state, you need to get insurance for it. There are a few reasons why you should get this coverage when you are in San Antonio.

You Want to Protect Home

A reason that people in this area of Texas need to get home insurance is that it can protect their home. A home is a very valuable asset that can make up a large portion of someone’s personal wealth. With a home insurance plan, you can protect this investment. With proper home insurance, you will get the coverage needed to repair or rebuild your property.

Coverage is Required

Another reason that you should get home insurance is that it is a requirement. Many people in Texas are required to have this protection. If you live in a home association or have taken out a mortgage, you will likely have insurance requirements. With a full home insurance plan, you can comply with these requirements. 

If you would like to get a home insurance plan in the San Antonio, TX area, it would always be a good idea to get guidance and support from someone that you can trust. The team with Access Insurance Services can help you assess your home insurance needs and pick a new insurance plan. Access Insurance Services is able to do this by answering your questions and building a policy that keeps you in compliance with your requirements and protects your home.

Who needs to get RV insurance?

Those that live in and around San Antonio, TX should always look for great ways to explore the area. With so many parks and fun destinations to visit throughout Texas, owning an RV could be a great option for many. When you are going to get an RV here, you should also get an RV insurance plan to protect yourself. This coverage is necessary for owners and drivers in a few different scenarios. 

Those that Want to Drive Legally

A situation when you will need to have RV insurance will come when you want to drive your vehicle legally. Anyone that is going to drive an RV will need to meet the state’s standards regarding liability coverage. If you do not meet this standard, you will be out of compliance and could face penalties. These penalties can include fines or even restrictions when it comes to your right to drive.

Those that Want to Protect Asset

You will also need to get an RV insurance plan when you want to protect your assets. Anyone that intends to buy an RV will be making a large investment for their future. You can continue to protect this investment with an RV insurance plan. With a full policy, you will get the coverage needed to repair or replace your RV if it is stolen or damaged in the future.

Getting an RV insurance plan in San Antonio, TX is very important. When you are looking for an RV insurance plan here, it would be a good idea to call Access Insurance Services. The insurance professionals with Access Insurance Services understand how valuable this coverage can be. They can then help you to build a policy that will keep you in compliance and properly protect your vehicle.

Do I Need To Carry Insurance On A Car That Won’t Run?

Whether it’s a project car, an old classic you’re going to put together someday, or it just needs a few repairs, you may wind up with a non-running car in your garage, and you’ll be wondering if you are required to carry insurance on it.

The short answer: No, you don’t. At least not in San Antonio, TX. You can go ahead and call Access Insurance Services and cancel your policy until you have that thing back on the road again.

Auto insurance is required by law in order to provide liability protection so that if you cause an accident, the other party is covered. They don’t have to come after you, personally, to have their losses compensated.

That said, if your car isn’t covered, then it’s not covered.

That means that if you drop your insurance and leave your car out in the driveway and it gets stolen or vandalized, you’re not going to have anyone to call to cover the loss.

If you store that old car in the garage, it may be possible to get it covered by your home insurance, but not all home insurance providers will cover a car as a possession. You could also talk to your auto insurer about getting limited protection on your auto so that it’s still covered, but you don’t have to pay for liability insurance that you’re not using.

You have plenty of options in San Antonio, TX, so if you have any questions, get in touch with Access Insurance Services. Whether it’s a project car or your main ride, Access Insurance Services can get you the coverage you need.

Motorcycle Insurance Variables To Consider While Researching Policies

Based in San Antonio, TX, Access Insurance Services offers multiple types of coverage. We help educate our clients so that they can find the right policy for their situation. We proudly serve as an independent agency.

Motorcycle Insurance Variables

During warm summers, many Texas residents enjoy exploring the state on their motorcycles. If you enjoy riding a motorcycle, it is important that you have coverage. Motorcycle insurance protects you and your assets as you ride around San Antonio, TX. You are protected if you are involved in a collision or if your motorcycle is stolen or vandalized. You are also covered if your motorcycle is damaged due to a fire or natural disaster. Liability coverage protects you if your motorcycle injures someone or causes damage. Here are some important variables to consider while researching policies.

Additional Coverage

You can add extra coverage to your policy to protect you in unique situations. Comprehensive coverage protects you if your motorcycle is damaged due to inclement weather or if you collide with an animal. You can add uninsured motorist coverage to protect you if you are involved in an accident with another driver who does not have coverage. If you make any upgrades to your motorcycle, you’ll have to amend your policy to cover you if those are damaged.

Motorcycle Type

The type of motorcycle coverage that you need depends on the motorcycle that you have. If you have a high-speed motorcycle, you’ll probably need a more comprehensive policy because operating it comes with a lot of risks. If you have a valuable motorcycle, consider adding storage coverage. Accidents can happen at any time. Something could go wrong even while you aren’t using your motorcycle. With storage coverage, you will be protected if the unit accidentally catches on fire and your motorcycle is damaged.

Access Insurance Services Will Help You Enjoy The Open Road

Visit our website today to learn more information about motorcycle insurance.  

Why do people need to get life insurance?

The San Antonio, TX area can be a great place to live. Those that do choose to call this area of Texas home will have many different personal insurance needs. Life insurance is an important form of personal protection that people should think about getting. There continues to be a few reasons why the average person in Texas will need to get a life insurance policy. 

Life Insurance Offers Financial Protection to Dependents

The primary reason that anyone will want to get a life insurance plan is so they can offer financial protection to their dependents. If you were to pass away those that rely on you and your source of income could be in financial stress unless you have a plan in place. With a life insurance plan, you will be able to give protection that will ensure they can be cared for in this situation.

Life Insurance Offers Investment Option

You should also consider getting a life insurance plan as it can offer an investment benefit. If you obtain whole life insurance, some of your monthly payments will build up in an account that could be liquidated in the future. The account will grow in value over time with contributions and interest. This makes it a smart addition to your personal investment plan. 

If you are going to get a life insurance policy in the San Antonio, TX area, you will want to know that you are making a good insurance selection decision. The team with Access Insurance Services can help you choose a plan that will ensure you remain properly covered and protected. Access Insurance Services is able to do this by carefully assessing your situation. They can then help you choose a policy that will meet your needs. 

The Benefits of Commercial Insurance for Your Business

For many people across San Antonio, TX, owning a small business is a great way to earn a living but there are several risks involved. To mitigate some risks, having a quality commercial insurance policy can be beneficial for you and your business in the long run.

Commercial insurance offers business owners peace of mind. Having protection against liability, you gain confidence in knowing that your business is protected from multiple scenarios and you can focus on what truly matters – running a successful business.

Not only does commercial insurance offer peace of mind, but it also helps to build credibility. Having insurance shows potential customers that you are credible and it builds trust. Customers will feel safe knowing if anything goes wrong, they are protected. Not only will it build trust with customers, but it will also help to attract and retain qualified employees. Having worker’s compensation can protect employees if they are injured on the job. This type of policy can cover medical and salary-related benefits for the employee. Any business with employees will need a workers compensation policy.

If your business uses route drivers or contract vehicles, you may need commercial auto insurance. This type of policy is similar to a typical auto insurance policy but strictly for business purposes only.

In San Antonio, TX, business owners can use an agency like Access Insurance Services. Access Insurance Services has the ability to provide a number of quotes all at once, helping you save time and money. Let Access Insurance Services help you choose the best commercial policies that will protect your business. Call us today for a consultation to begin the process of finding quality commercial insurance.

Things that are excluded by home insurance

Have you ever read your home insurance policy? Have you ever checked out the exclusions listed on your policy? If you answered no to one or both of these questions, don’t be embarrassed, you are not alone. Most people never read their policy. It may come as a shock when a claim is filed what hazards aren’t covered. If you live in San Antonio, TX  or the surrounding area Access Insurance Services is locally owned and operated and committed to the highest customer service possible. 

Floods

Considering how prevalent floods are it’s shocking to realize home insurance doesn’t cover flooding caused by surface water. If you have a broken pipe that floods your home, that would be covered. But when it comes up from the ground, not so much. Flood insurance is available through the National Flood Insurance Program. If you live in an area where flooding can be a problem, your mortgage holder may require that you purchase it. 

Earthquakes/mudslides/sinkholes

These are all considered earth movement and earth movement is not covered with a traditional home insurance policy. You can buy a separate insurance policy or an endorsement to give you the protection you need. 

Owner neglect

Insurance companies expect that as the owner of the home, you will maintain it. You are responsible for replacing an aging roof or crumbling walkway. If you end up with termite or carpenter ant damage, it is on you. As the homeowner, you should have gotten pest treatment. If neglect is noticed in an inspection, the insurance company can require you to make the repair or lose your insurance. 

Expensive art or jewelry

Your policy has limits on the amount it will pay for jewelry or art. You will only collect up to the limit of your policy. You need to increase the limit for adequate coverage. 

Contact Access Insurance Services in San Antonio, TX to discuss your home insurance requirements.