Month: January 2019

Blown Tires and Auto Insurance Rates

Posted on by AgentInsure

Blown tires in San Antonio, TX can be a frustrating and difficult situation to manage, particularly if they cause accidents. We at Access Insurance Services have seen these types of accidents impact the lives of many of our clients and want to make sure that you understand how your rates may be affected.

Insurance Covers Damage Caused By Blowouts

When your tire blows, there is a good chance that you might get into an accident or suffer from damage to the vehicle. In this instance, your insurance will pay for any damage this incident causes, including other cars. However, the tire itself won’t be paid for by the provider.

This lack of coverage is due to the fact that blown tires are typically considered an avoidable situation and due to the driver failing to take due caution in maintaining them. However, if somebody blows your tire – such as a vandal – with a knife, you can get insurance coverage for the tire.

Rates May Increase

If you get into an accident caused by blown tires, there is a chance that your rate may increase. Insurance companies consider this type of accident to be the driver’s fault, as mentioned above and may hold it against the driver when it happens.

The chance of increasing rates will vary depending on your company and the type of policy that your purchase. Some companies are more forgiving of such situations while others will almost always increase their rates. Make sure that you fully understand your policy before making a claim.

Find a Policy That Works

If you live in San Antonio, TX and are worried about blown tires affecting your insurance rates, please contact us at Access Insurance Services to find a policy that is right for you. Our professionals will work hard to narrow down your options and find the most appropriate coverage for your car.

Home Insurance Protection for Fire Dangers

Posted on by AgentInsure

Fires in San Antonio, TX may spread rapidly and cause great damage to many homes. Thankfully, home insurance policies from Access Insurance Services can protect you from this danger and total home loss.

Most Policies Cover Fires

Home insurance will cover fires started by lightning strikes, electrical problems, gas issues, stove problems, and other issues in a home. They typically cover the dwelling – the structure of the home – and all detached structures, like garages. However, personal property in the home, including furniture and clothing, are also protected. Homeowners need to create a list of all destroyed property after the authorities have confirmed the fire was an accident.

Some Fire Limitations May Apply

Though home insurance covers just about any type of fire danger, there are a few issues that they don’t protect. For example, a deliberate fire set by the owner – known as arson – is not covered and, in fact, is a criminal offense. However, arson by someone else is typically covered, as long as the person who started the fire wasn’t the homeowner trying to defraud their insurance provider.

Fires in a vacant home are another situation that is rarely covered. A home is declared vacant is a person hasn’t occupied the home for more than 30 consecutive days. However, a homeowner can buy a specific endorsement for their policy that will protect the home – such as if it is only used during vacations – from fires.

Find the Policy That You Need

As you can see, fire protection is a smart choice for those with home insurance. So if you live in San Antonio, TX and are worried about the dangers of fires, please contact us at Access Insurance Services. We will help you find a policy that suits your needs and help you avoid the dangers of severe fires.