Importance of Auto Coverage for Texas Drivers

When you drive a car, there’s always the risk of accidents. Even minor accidents can be costly due to injuries or property damage they cause. Auto insurance from Access Insurance Services protects you against road mishaps that can put a big dent in your budget. Here’s why auto insurance is so important to San Antonio, TX drivers.

Accidents Can Derail You Financially

A serious auto accident can totally derail your finances. Between paying for injuries and property damage, you could suffer substantial financial loss. Auto insurance provides financial compensation for medical expenses and vehicle repairs so you don’t have to pay for everything out of pocket. A policy from Access Insurance Services can provide you with the following coverage to protect your assets:

  • Collision – to cover damage to your vehicle caused by crashes
  • Comprehensive – to protect you against vehicle theft and non-collision damage to your car
  • Uninsured motorist – to cover damage to your vehicle caused by drivers with no insurance coverage
  • Medical payments – to cover your medical costs if you are injured in an accident

A well-rounded auto insurance policy in San Antonio, TX will safeguard you against any eventuality on the road.

Fulfills Texas Auto Insurance Requirements

Auto liability coverage is mandatory in the Lone Star State. Driving without it could lead to being fined or suffering penalties. Liability insurance covers injuries and damage to others in accidents that are your fault. It also covers your legal fees if you are sued for damages. Texas requires that you carry minimum liability coverage. To protect you against serious accidents, however, we recommend you purchase as much of this coverage as you can afford.

Auto insurance offers an affordable, practical means of protecting your assets against accidents. To purchase a policy, call your Access Insurance Services agent today. 

3 Reasons You Need Motorhome Insurance in San Antonio, TX

Owning a motorhome in San Antonio, TX gives you freedom. It’s just you, your loved ones, and the open road. Doesn’t it make sense, then, to protect this valuable asset from any unforeseen events? At Access Insurance Services we think so, and that’s why we’ve put together this short, yet handy, list of three reasons why you need motorhome insurance. Read on to learn more.

1. It’s Mandatory

If your home on wheels is mortgaged, you’ll need full coverage motorhome insurance. Since the bank uses the motorhome as collateral in case you can no longer make payments, they’ll want this asset fully protected, You’ll need this insurance before you can register your motorhome.

2. Liability

Driving a motorhome is just like driving any other vehicle, which means it is also susceptible to accidents. While you never anticipate getting into an accident with your motorhome (you keep it parked) accidents still happen. Someone could hit your parked motorhome with their vehicle, for example. If the other driver doesn’t have insurance or is underinsured, your motorhome insurance will kick in to cover the costs. Otherwise, you’ll be paying out of pocket, which can get expensive quickly. 

3. Peace of Mind

Whether you spend countless nights or not in your motorhome, go to sleep knowing you’ve done the responsible thing by getting your motorhome insured in San Antonio, TX. The friendly and reputable agents at Access Insurance Services can help.

To learn more about motorhome insurance, contact our friendly team today. Our agents are available to answer your questions, compare quotes, and bundle policies. We can be contacted online or by phone.

3 Reasons to Buy Extra Coverage for Your Rental RV

In San Antonio, TX, the agents of Access Insurance Services can provide additional RV coverage if you choose to rent a motorhome for your next vacation getaway. While the rental agency will provide some of the coverage you need, purchasing additional coverage will make sure you have the coverage you need to reduce your risk of financial loss.

Picks Up Where Rental Policies Leave Off

Purchasing additional coverage ensures that you are protected if something happens while you are on vacation. It picks up where the original RV policy leaves off. While the rental company’s policy provides sufficient coverage, your additional coverage will take care of any costs that aren’t covered.

Adds Extra Liability

A rental policy will only cover minimal liability. Purchasing additional liability coverage is a good idea, especially if you go camping with friends. Liability can be very costly if someone is injured. Having additional coverage ensures that you will not have to stress over the excessive financial loss.

Covers Your Personal Possessions

The policy from the rental company will not cover your personal possessions. Purchasing your own policy ensures that all of your property is covered as well. The additional cost for extra coverage is well worth the cost if it protects your property.

The agents of Access Insurance Services can provide additional coverage to individuals living in the San Antonio, TX area. Additional coverage for RVs will help to protect you from financial loss so that your vacation isn’t ruined. if an accident occurs. Call and speak to one of their reputable agents as soon as possible. This will give you the peace of mind you need to relax while you are on vacation.

Exploring The Benefits Of Term Life Insurance

Access Insurance Services assists the San Antonio, TX community by offering residents different types of insurance coverage. We help our clients find protection that aligns with their individual situations. Our status as an independent agency has allowed us to establish positive relationships with multiple carriers throughout San Antonio, TX, and other parts of the state.  

Life Insurance

At some point, you have to start planning for the future. Life insurance allows you to have peace of mind as you consider how your friends and family will react after your passing. The policy ensures that your family will have a safety net as they attempt to move forward if something were to happen to you.

Exploring The Benefits Of Term Life Insurance

Term life insurance provides coverage through a specified time period. While figuring out the length of time that you want coverage may be complicated, term life insurance provides you with several different benefits.

Term life policies are very direct. You’ll receive clarity with this policy that others may not have. There aren’t a lot of variables that you have to think about regarding this type of policy. If you are only looking for temporary protection, term life insurance is a great option for you. You can research a policy for 10 years, which is a relatively short amount of time. You also have the ability to find an adjustable policy based on your individual situation. Term life policies are also very confidential. Term life policies provide benefits without any lengthy delays. This is especially beneficial during an emergency.

Consult With Access Insurance Services

Planning for the future can be a difficult process. However, we can help you put things in order so that your family will be secure after your passing. Visit our website to learn more information.

Types of Commercial Insurance

Most people know of liability insurance or a business owner’s policy (BOP). Access Insurance Services wants you to understand that more than 15 types of commercial coverage exist though such as glass insurance, boiler policies, commercial auto, etc. This blog explains each succinctly so you can obtain the policy coverages you need to best protect your San Antonio, TX business.

A BOP provides you the three most common types of coverage bundled into one insurance policy. You obtain liability, property damage, and perils, and sometimes, business interruption insurance, in one policy that costs less than all three separately.

Consider glass insurance if you own a storefront, an office building, or a dance studio. Those business types have numerous windows or mirrors in their structure. If they crack or break, this policy pays for replacement.

A boiler or machinery breakdown policy keeps you toasty in winter. If your boiler breaks down, or your business, office, or manufacturing machines break, this policy pays for the repairs or equipment replacement.

Commercial auto policies cover what a personal auto policy and commercial insurance would not. You can obtain coverage for a single commercial vehicle or for your entire fleet.

Errors and omissions insurance protects you from mistakes that were not caused by negligence. If a product you manufacture broke and hurt someone, your E and O policy would pay the settlement. This falls into the same category as malpractice insurance for medical professionals.

Inland marine insurance helps any business that stores, transports, or delivers items belonging to another person. A dry-cleaning business would need this policy type as would a delivery service a jeweler, etc. 

Other types of commercial policies include business interruption, debris removal, law insurance, tenant’s insurance, and crime policies.

Keep your financial investment in your San Antonio, TX business protected with the appropriate business insurance. Let Access Insurance Services help you choose the policies that will best protect your commercial endeavors. Call us today for a consultation.

How will home insurance protect my San Antonio property?

San Antonio, TX is one of the largest and most populated cities in the country and state of Texas. This area continues to grow quickly, which provides a lot of opportunity for people professionally and could make it a great area to own a home. If you do purchase a home in this area of Texas, it is very important that you get a quality insurance policy. A home insurance policy can protect your San Antonio home in several different ways.

Insurance Protects Dwelling

One way that your home insurance policy will be able to protect your property is by providing you with coverage for your dwelling. If your home is ever damaged by a fire, bad weather, or another issue, the cost to remediate this could be significant. Fortunately, when you have home insurance, you will have the financial resources that are needed to repair or even fully replace your home.

Personal Asset Protection

Another way that your policy will protect you is by providing you with coverage for your personal assets. If you choose to purchase a home, you will want to ensure that your items under the roof are protected as well. A home insurance policy will include a provision for personal items including clothing, furniture, and other items that you own. 

As you are shopping for home insurance in the San Antonio, TX area, it would be a good idea for you to speak with the team at Access Insurance Services. There are a lot of very important decisions that need to be made when you are looking for home insurance. The team at Access Insurance Services will be able to answer all of your questions and ensure you continue to have the right type and level of coverage. 

What will Happen if You get Caught Without Auto Insurance?

There are severe penalties when you drive without auto insurance. And for the state of Texas, the following includes penalties for not having auto insurance: 

1. First Offense 

You will be required to pay approximately $175 to $350. Some people may think that this fine is not such a stiff penalty. However, first offenders must also pay a yearly $250 surcharge for three years consecutively. 

To add more burden, you will be considered a higher risk due to receiving a ticket for not driving with auto insurance. So, now you will have to get an auto insurance policy that is more expensive. You will also be required to file an SR22 through your insurance company for verification to show that you are carrying state-required liability coverage. 

2. Second and Subsequent Offenses

With another offense, you will face the following offenses:

  • Fines ranging from $350 to $1,000
  • Three, consecutive, annual surcharges costing $250
  • A possible order by the court to impound your vehicle for 180 days in which you will be required to pay a $15 daily fee for impoundment. 

PLEASE NOTE: There is an indigency program for those with low income. And even though this program significantly reduces annual surcharges, you will still be responsible for the hefty fines. 

3. Being in an Accident and Uninsured

If you are in an accident and you are not insured, there will be fines, possible vehicle impoundment, and driving privilege suspension. Furthermore, if there is a serious injury or death and you are responsible for the accident, you may face a $4,000 fine and may spend a year in jail. You also must file an SR-22 for three years. You will have up to a two-year suspension of your license and vehicle registration. You also will be totally liable for all property damages and physical injuries due to being at-fault for the accident.

Conclusion

Don’t get caught up like this! Get insurance today from a proven insurance company today! For more information and to get your insurance needs met, Access Insurance Services is the one to turn to. Located in San Antonio, TX, Access Insurance Services is BBB-certified and has been serving San Antonio, TX and surrounding areas since 1993.  

Texas Motorcycle Helmet Laws

Deep in the heart of Texas, you need both a helmet and insurance to ride your motorcycle legally. At Access Insurance Services serving San Antonio, TX, we want to help you remain safe and legal on the streets of our state.

Texas requires riders wear a helmet for both fiscal and physical reasons. If riders in the US had always worn helmets when riding, the country would have saved $1 billion in medical costs. Wear a helmet reduces the risk of death by 37 percent and reduces head injury risk by 69 percent.

You will see riders in Texas who do not wear a helmet. They are not all lawbreakers.  Only riders less than 21 years of age must wear a helmet. Once you reach the age of 21, you get two options to use if you do not wish to wear a helmet while riding.

  • Complete a safety and training course for motorcycle operators.
  • Present proof of health insurance coverage that provides medical coverage for the treatment of injuries from a motorcycle accident.

While failure to wear a helmet qualifies as a secondary offense, that does not mean you should ride without one. A secondary offense refers to a violation that a police officer cannot use to stop a rider. They need a different primary offense such as a broken taillight or speeding to make the moving violation. If you get stopped for another reason, the officer can check for the two exceptions. You must always carry proof of either the training course graduation or the health insurance exception.

Wearing a helmet does not qualify for an insurance discount, but contact Access Insurance Services to learn how you can get the coverage you need at a reasonable price. We want to help San Antonio, TX riders remain safer on the road. Call us today.

Should You Get Year-Round RV Insurance?

It’s no secret that RVs give you greater freedom on the road. With RV insurance from Access Insurance Services, you can explore  Texas with confidence knowing you’re protected against mishaps on the road. If you’re a seasonal RV user, you may wonder if it’s necessary to keep your RV insurance year-round. Here are some factors to consider before canceling your coverage during the off-season months.

Importance of RV Protection

As one of your most costly possessions, it only makes sense to protect your RV both on and off the road. If you use your RV extensively during spring and summer, you’ll want adequate coverage to protect you against injuries, vehicle damage, theft, breakdowns, and other incidents that may occur on the road. RV liability coverage is required in Texas to protect other drivers in accidents you cause.

Seasonal Coverage

If you’re not planning on using your RV during fall or winter, you could cut back on your coverage to save on insurance costs. Keeping liability coverage enables you to take impromptu weekend trips during pleasant fall or winter weather. Cutting back on collision or uninsured motorist coverage is a viable option during this time.

You can also retain comprehensive coverage as it protects your vehicle against theft, vandalism and damage from inclement weather. If you’re parking your RV next to your home, these factors are still a risk. While in storage in San Antonio, TX, your RV is still at risk of fire damage.

RV Financing

If you’ve taken out a loan on your RV, your lender may require you to have certain types of coverage year-round. You can discuss this option with your insurer to see what’s best for your particular situation.

For more information about RV insurance in San Antonio, TX, contact your Access Insurance Services agent today.

Three things to know about commercial insurance in Texas

If you’re a business owner in San Antonio, TX, it’s important that you protect your company’s finances by investing in the right commercial insurance policy. We provide commercial insurance to San Antonio business owners at Access Insurance Services.

The following are three things you need to know about commercial insurance in Texas. 

You may be required by law to carry some types of commercial insurance.

One of the number one things you need your commercial insurance policy to do is meet any legal requirements. Depending on your industry, you may be required to invest in certain types of coverage.

In particular, you need to pay attention to the required commercial insurance coverage if you hire employees at your company. You may be required to purchase worker’s compensation and unemployment insurance if you have a staff of workers at your company. 

Commercial insurance premiums can be written off as a business expense.

Although commercial insurance premiums may cut into the profits of your company, they do offer the advantage of being business expenses that you can write off. This will help to bring down the tax liability of your company. 

Business owners should update their commercial insurance policy as their business changes.

Your business is going to change over time. As your business changes, you need to update your commercial insurance policy.

Make sure that you factor company growth into your commercial insurance decisions. The growth of your company can lead to new liabilities and risks that you need to account for with your commercial insurance coverage. 

Do you want to learn more about commercial insurance? We can answer any questions you have about commercial insurance at Access Insurance Services. We’re here to help business owners in San Antonio, TX to meet their insurance needs.