Liability Only vs. Full Coverage Motorcycle Insurance: Which Is Better?

If you’re a San Antonio, TX motorcycle owner, one of the critical factors you’ll consider when shopping around for insurance is whether to take out liability-only coverage or opt for full coverage.

At Access Insurance Services, we’d be happy to walk you through your choices. In the meantime, here are a few things to consider.

Am I Legally Required to Carry Motorcycle Insurance?

If you’re a motorcycle rider in Texas, you are required by law to carry a motorcycle insurance policy. However, this doesn’t necessarily mean you should settle for the most minimal coverage possible.

Accidents and other mishaps happen even to careful people. Without a decent policy in place, an accident can be devastating on many levels, including financially.

Liability Only vs. Full Coverage: What’s the Actual Difference?

Liability-only coverage is exactly what it sounds like – insurance that will amply protect you from any liabilities you could face because of an accident, but that’s it. In other words, it’s minimal when it comes to coverage.

On the other hand, full-coverage motorcycle insurance protects you from liability and much more. Examples may include (but not be limited to) theft, damage resulting from acts of nature, collision damage, fire, and vandalism.  

Which Is Best for You?

Although minimal liability-only coverage is enough to keep you legally compliant if you’re a motorcycle owner, you never know what life might throw at you or your bike.

More coverage will always be a smarter bet than very little. Full coverage is generally the best, most comprehensive choice. But there are many tiers to explore between the lowest amount of coverage and the highest.

Contact a representative from Access Insurance Services in San Antonio, TX today for more information. We’ll be happy to help you make sense of your options.

Are You a Business Owner? Protect Your Livelihood with Commercial Insurance

As a business owner, you need to know that having it insured is as important as having your home or car insured. Businesses face many risks. Access Insurance Services, serving San Antonio, TX, and the surrounding area, can provide this protection.

Here are some essential reasons why commercial insurance is necessary.

As a business owner, your employees are one of the most important priorities. They need to be protected with liability insurance. If a lawsuit arises, it will make them feel secure being employed by you and keep them from losing their employment.

Having health or dental insurance is a job perk that most people want. Also, commercial insurance may be required if you rent the space your business operates from.

Because workplace accidents can occur at any time, your business will be paying for the workers’ compensation out-of-pocket. If an employee is injured or becomes ill due to their job, workers’ compensation covers the medical bills and provides income for that employee. The cost involved can lead to financial ruin for your business.

If a natural disaster occurs, your business could be destroyed with no financial backup for repairs or replacements. Commercial insurance coverage will also protect your business from fire, vandalism, or theft.

Without commercial insurance’s liability protection, you could face going out of business if you are sued. Legal expenses are costly and can result in the ruination of your livelihood. Whether a third party or an ex-employee sues you, any costs will come straight from your business if you do not have commercial insurance.

Don’t let your livelihood remain uninsured. You have worked hard to make it what it is today, and it needs to be protected with commercial insurance. Contact Access Insurance Services today for a quote.

What Will a Health Screening Involve?

A health screening is essential to the life insurance application process because it determines whether you can be issued a policy. You will be asked vital questions about your family’s history, including whether there is a predisposition to diabetes, cancer, or heart disease. 

This information will also be used to assess the amount of risk the insurance company will assume, and this is how your premiums will be decided. You will discuss whether you smoke, have ever smoked, and for how long. Your Access Insurance Services representative will need to know how long it has been since you smoked and if you have achieved cessation. At a certain point, after you have quit, your premium will no longer be that of an active smoker. 

Life insurance is not a requirement under San Antonio, TX law but is something people choose to purchase voluntarily. Your age, gender, and overall health will be reported, and the more healthful your lifestyle is, the more this will be reflected in how much you pay. Like your annual checkup, this process should take about half an hour. 

Your occupation, habits, and hobbies will also be taken into account. If your profession is hazardous or you like to engage in risky behaviors for recreation, this can all impact your bottom line. The insurance carrier often covers the cost of this appointment, and in some cases, you can waive the examination if you provide copies of your medical records. 

We Can Help you Obtain Health Insurance.

Access Insurance Services is proud to serve those in the San Antonio, TX area, and we are happy to assist you more. Contact us by phone, online, or by stopping into the office. 

What comes with an auto insurance plan in Texas?

If you live in or around San Antonio, TX, you will likely want to have a car, as it will make it a lot easier to get around the area. Along with this, you need to have insurance for the vehicle. There are multiple forms and types of coverage you will receive when getting an auto insurance plan. 

Liability Coverage

When you get an auto plan here, one form of coverage you will get is liability insurance. Like other states, Texas requires you to carry a certain level of coverage. Here, you will need $60,000 for bodily injury coverage and $25,000 for property damage liability coverage. When you choose to get insurance, you need a specific level of insurance, but it is often a good idea to obtain higher levels of insurance than this.

Comprehensive Coverage

As you seek coverage, you can also get comprehensive insurance for your vehicle. When you have a comprehensive insurance plan, you will get coverage if your car is damaged in an accident, stolen, or you incur another type of loss. Since a vehicle can be a significant purchase and investment, having this coverage in place to protect your car is always a good idea.

Other Coverage

Depending on your chosen plan, you can also get various other forms of coverage and benefits. These include rental car coverage, uninsured motorist coverage, towing, and labor coverage. These forms of insurance will come in handy in various situations.

As you are looking for a new auto insurance plan in the San Antonio, TX area, it would be wise to call Access Insurance Services. The professionals with Access Insurance Services will give you the guidance you need to build a plan to protect you and your vehicle. 

Does My San Antonio, TX Home Insurance Policy Cover My Detached Garage?

Whether you’re a first-time homeowner in San Antonio, TX, or you’ve had insurance for years, it’s hard to know what is and isn’t covered by your home policy. One common question is whether detached garages are covered. The answer depends on your policy’s specifics and the coverage you have. Here’s what you need to know:

Liability Coverage 

Your liability coverage may cover any damage to your detached garage. This includes anything from someone slipping and falling on your property to significant physical damage from your dog getting trapped in it. Liability coverage will also help if there is an incident related to negligence on your part, such as failing to maintain the structure or not adequately keeping up with necessary repairs. 

Property Damage Coverage 

Property damage coverage helps protect against costs associated with repairing or rebuilding your detached garage due to weather damage or accidental destruction caused by incidents outside your control (such as a fire). Policies typically include this coverage in most home insurance policies but may need to be added as an endorsement depending on where you live and who insures the property. Check with an agent at Access Insurance Services for more information about this type of coverage for your detached garage.  

Personal Property Coverage 

Personal property coverage helps protect any items stored inside your detached garage from theft or destruction because of unexpected events, such as fire or windstorms. The typical policy includes protecting tools, lawn equipment, furniture, electronics, and other items in the structure. It rarely protects vehicles parked in the space—these need a separate policy (like auto insurance).

If you have questions about what kind of protection is available for your detached garage through a home insurance policy in San Antonio, TX, contact Access Insurance Services.

What does RV insurance cover?

RVs are a significant investment, and like any other valuable possession, you need the right insurance policy to protect your investment. But with so many different RV insurance policies available, how do you know which is right for you? This article will explain what RV insurance covers and how to choose the right policy for your needs.

If you are considering purchasing an RV, you must have the right insurance policy. Luckily, many options are available to protect your investment against accidents, theft, and other common risks associated with owning an RV.

Liability coverage is one of the essential types of coverage provided by RV insurance policies. This protects you if you are involved in an accident while driving your RV and helps cover the costs if you injure another person or damage their property.

In addition to liability coverage, your RV insurance policy should include comprehensive and collision coverage. These two types of coverage help pay for repairs to your vehicle in case it is damaged or stolen.

Another important consideration when choosing an RV insurance policy is whether or not the policy covers the type of vehicle you are purchasing. Some policies only cover traditional RVs, while other policies may offer protection for specialty vehicles like motorhomes and campervans.

Ultimately, the best way to choose an RV insurance policy is to compare different options and find one that meets your specific needs and budget. Doing your research in advance can help ensure that you select a policy that provides the right coverage at a price that works for you. To see what policy would best meet your needs, give Access Insurance Services a call today. We serve the San Antonio, TX area.

Tips to maintain your motorhome for winter

When it comes to motorhomes, there are a lot of things that you need to do to keep them in good condition. We’ll discuss some tips on maintaining your motorhome before storing it for the winter.

It will need a good cleaning.

First, you should clean the exterior of your motorhome thoroughly, paying special attention to any grime or dirt that may have accumulated over time. This will help prevent mold and mildew from forming on the surface of your vehicle, which could lead to further damage as it sits idle during the winter months.

Check for damage

In addition to cleaning the exterior, you should inspect the roof and windows for any damage that might need to be repaired before storing your motorhome for winter. Cracks in the windshield or leaks in the roof can expose your vehicle to moisture, rain, and snow, which can cause even more damage if left untreated.

Drain the fluids next

After you’ve cleaned and inspected your motorhome, it’s crucial to drain all fluids from the vehicle, including gasoline, oil, and water. If you don’t take the time to do this properly, these fluids could freeze during the winter months and cause severe damage to your motorhome.

Disconnect the battery

Finally, it’s important to disconnect the battery from your motorhome before storing it for winter. Storing a battery can be tricky, so it’s best to consult a professional if you’re unsure how to do this properly.

Contact us today!

If you have any questions about properly caring for your motorhome, call us at Access Insurance Services today. We proudly serve the San Antonio, TX area. 

How would a business benefit by having a commercial insurance plan in San Antonio?

If you are in the San Antonio, TX area, you will find that the strong economy and growing population can make it an ideal place to be a small business owner. When you want to start or grow a company here, getting the right insurance is necessary. A business here will receive various benefits by getting a commercial insurance plan. 

Receive Coverage for their Assets

One of the ways a business can benefit by having commercial coverage is by receiving protection for its assets. Companies today will inevitably need to purchase quality assets to protect their organization, and losing these items could be very bad for business. However, if you are adequately insured with commercial coverage, you will have the necessary support to replace or repair these assets if you incurred a loss in a covered situation. 

Mitigate Liability Risks

Businesses will also want this coverage as it can significantly mitigate their liability risks. Companies will take on liability risks daily, and a way to offset this concern is important. With a commercial insurance policy, you will obtain coverage that can give support if you are liable for any accident resulting in damages. 

People all over the San Antonio, TX area will need to ensure they get the proper protection for their businesses. When looking for commercial insurance in this part of Texas, it might be a good idea to work with the team at Access Insurance Services. Commercial insurance comes with its share of complexities, and getting support from someone experienced and that you can trust is helpful. Access Insurance Services will offer the guidance you need to build your next plan. 

How to Change Beneficiaries on Your Life Insurance

Sometimes people have falling outs with the ones they care about the most. Someone you could have called a wife or family member might do something unforgivable. This means it might be time to change the beneficiaries on your life insurance. 

The Importance of Keeping Beneficiary Designations up to Date

It’s not enough to keep your will up to date. The named beneficiaries on a retirement plan or insurance policy may supersede the instructions in your will. For the most part, you can review and update who you’ve designated as your beneficiary by contacting the company that provided your plan. You may likely be able to do this online. If you prefer a physical change on paper, most companies will also give you that option. 

Who Can Make the Change

For the most part, the policyholder is the only one who can decide who to name as beneficiary. If you assign someone as having power of attorney, they may be allowed to make this decision on your behalf. Once you die, the beneficiary designations are final. If you bought the policy after you married and lived in a community property state (Texas is one of them), you would need your spouse’s permission to name someone other than them as a beneficiary. Your spouse, however, cannot change the beneficiary. If anyone was named as an irrevocable beneficiary, you could not remove this person without their permission. 

Access Insurance Services, Serving San Antonio, TX

Getting insurance of any type need not be very difficult. Access Insurance Services of San Antonio, TX will provide you with multiple policy quotes at one time. This will save you time and money, and receive unmatched expertise to guide you through it.

The Best Driving Tips to Help You Avoid an Accident

At Access Insurance Services, serving the greater San Antonio, TX area, one of the insurance products we offer is car insurance. One of the questions that we are often asked is whether we have tips or suggestions that we think may help to minimize accidents. Here are a few of the best tips to help you avoid an accident. 

Always Ensure Your Car Is In Safe and Operable Condition

Anytime you hit the roads, ensure that your car is in safe and operable condition. If there is a crack in your windshield, that may prevent you from seeing the road. As such, you should replace your windshield. Having under-inflated or over-inflated tires increases your risk of a blowout. As such, you should always ensure your tires are properly inflated. 

Learn Safe Driving Techniques

Another tip that can help you to avoid an accident is to learn safe driving techniques. Safe driving techniques, or defensive driving techniques, have dramatically decreased your risk of being in an accident. Take a defensive driving course to learn safe driving techniques. 

Minimize Distractions While You Are Driving

Lastly, always minimize the number of distractions you face when you are driving. This includes avoiding using your cell phone, avoiding eating, and avoiding putting on make-up. Simply focus on the roads to help keep yourself safe. 

Unfortunately, you cannot prevent every auto accident from happening. As such, you need to ensure you have the right auto insurance policy to fully cover you in case you are involved in an accident. Here at Access Insurance Services, serving the greater San Antonio, TX area, we can help to ensure you have the right policy for your needs. Reach out to us today to get started.