Does Auto Insurance Cover Vehicle Upgrades in San Antonio?

When it comes to purchasing auto insurance in San Antonio, TX, you may have a few questions about what your coverage will be like and how it will be applied to certain situations. This is difficult to answer at times in that it can be impossible to predict the many scenarios that might arise during your ownership. But one thing that you should know about your coverage is that your insurance company does need to know about when you make improvements to your vehicle. Access Insurance Services wants you to know why this is and how you can communicate with your carrier. 

Talking It Out 

When you drive a new car off the lot, the conventional wisdom is that it starts depreciating immediately. So you may not think that you need to inform your insurance company of any improvements you make because the two factors will balance out. But the truth is that a premium stereo system or an after-market spoiler doesn’t necessarily have the same rate of depreciation. And if you haven’t your insurance company of the matter before it’s damaged, lost, or stolen, the reality is that they may deny part of the claim. 

Get in Touch with the Right Carrier 

If you’re a driver in San Antonio, TX and aren’t sure if you have the right coverage for you, Access Insurance Services is here to help. Our staff makes it easier to start a dialog about what’s going on with your car, so you’re sure you’re getting the most out of your auto insurance. Because your plan is more than just a requirement to be a safe driver on the road, it’s a way to protect the investment you’ve made both in the vehicle and any upgrades you’ve happened to make. 

What Auto Insurance Is Required In San Antonio?

At Access Insurance Services in San Antonio, TX, we have been offering insurance for several years. To drive your car in San Antonio, you must have insurance. In Texas, you must have bodily injury liability coverage and property damage.

Bodily injury liability coverage

When you damage a third party’s car and probably, cause bodily injuries to the occupants of the car in an accident, this coverage will pay the medical bills.

Property damage liability coverage

When you damage a third party’s car or other property with your car, this coverage will provide funds to repair the property.

However, there are several problems with auto insurance policies. For both coverages, the minimum amount required will not take you anywhere. To enjoy wider coverage you need to raise your limit much more than the required minimum.

Imagine a situation where you cause an accident that affects multiple cars. For instance, if you stop suddenly on an expressway at a time when visibility is poor, it is highly likely that several motorists will run into you one after the other. How much do you think it will cost to fix about four cars and to pay the medical bills of about eight people?

Also, both coverages are for the third party. What about you? Who will repair your car? In an accident, your car may also be damaged and you may also sustain an injury, who will pay your medical bills? That’s why you should also consider other types of auto insurance coverage in addition to the mandatory ones.

Here is another issue to consider. It is our business and we know that some motorists still move on the road without insurance or without adequate insurance. So, if any of such drivers hit your vehicle, how will you handle it? The good news is that we offer insurance coverage for under-insured or uninsured driver liability.

To conclude, the two auto insurance coverages required by law are grossly inadequate. Contact us at Access Insurance Services in San Antonio, TX. We will advise you on all the necessary auto insurance coverages to keep you and your vehicle safe on Texas roads.

Why Do I need to Get San Antonio Auto Insurance?

Similar to other cities in the state, San Antonio, TX is a very large place with a lot of great places to visit. Due to this, having access to a car is very important and often considered a necessity. If you do own a car in this area, you should spend time also considering your auto insurance needs. There are many different reasons you will need to have auto insurance.

Required by Law

The first reason to get auto insurance in Texas is that it is a legal requirement. Drivers in this state have to remember the minimum requirements when it comes to auto insurance. All drivers on the road need to have a certain level of liability insurance, which will allow you to pay restitution if you are at fault in any type of auto accident. 

Protects Asset

Additionally, drivers will want to have auto insurance to protect their assets. If you would not be able to easily replace your vehicle, you should invest in a policy with both collision and comprehensive insurance. This type of auto insurance will ensure that you can pay to repair or replace your vehicle if it is damaged in an accident, stolen, or if another loss-creating situation for your car arises. 

As you are shopping for auto insurance for your San Antonio, TX car, you should work with someone that you can trust. One great resource to start the process of getting a new auto insurance policy is Access Insurance Services. After you call the team at Access Insurance Services, you will quickly find that they work hard to carefully understand all of your personal insurance needs. This will help you get into an auto insurance policy that is right for your situation. 

Adding a Teenage Driver to Auto Insurance

Teenagers, as they get nearer to the age when they can get a driver’s license, usually get very excited about it. Parents of those teenagers have the opposite reaction. To be prepared, work with your insurance agent at Access Insurance Services, serving San Antonio, TX and the nearby area. Make sure you have auto insurance coverage in place before you let the teen drive, even while driving on a learner’s permit and you are supervising their training.

Do you have more than one vehicle?

If you have more than one vehicle, ask your agent to give a quote for adding the teenager on the auto insurance policy for the older, less valuable, vehicle and then compare the quote to the other one. Make sure if you only get insurance for your teenager on one of your vehicles that the teenager cannot drive any other vehicle you own if they are not an authorized driver on the policy for that auto.

Should you let a teen drive alone?

The statistics are not very encouraging. The NHTSA reports that teen drivers are three times more likely to get in an accident than an older driver. Distracted driving, when talking or texting on a mobile phone, is a serious cause of many accidents.

A teen driver of a car full of other teens is easily distracted by the passengers. Reckless teen driving is common. Another major risk is driving under the influence of drugs or alcohol. For all of these reasons, auto accidents are the leading cause of teenage deaths.

Summary

Most adult drivers started driving when they were teens. It is a challenge that we all face. First, learning to drive, making mistakes, and then becoming a safe driver. Have an open, honest, heartfelt conversation with your teen about the risks.

To get a quote for adding your teenager to the auto insurance policy, call your agent at Access Insurance Services in San Antonio, TX at 210-499-5433. If you already have an account you can also login to your account and add a driver to your auto policy online.

How is RV insurance different from regular auto insurance in San Antonio, TX?

An RV is a unique vehicle that can both function as a mode of transportation and home while it is stopped. Because of this dual purpose, insurance coverage for RVs has some differences from both cars and homes. Access Insurance Services provides unique options for RV owners that may not be available from all standard insurance providers. 

RVs are required to have basic liability coverage while they are driven on the roads, just like any other vehicle. Owners may also want certain coverage options that protect against lawsuits, theft, damage, and other accidents that can happen to homes. As a general rule, RV insurance liability coverage amounts are also higher than they are for regular cars due to the possibility of more passengers being carried inside. It is also important that you have a separate policy just for your RV that is unrelated to homeowners or auto coverage, as agencies that offer RV insurance should treat this as a specialty that is different from standard bundled insurance options. This is because factors such as where the RV is parked while on vacation and the condition of the appliances inside are all relevant to insurance coverage, and the owner should be protected in all of these kinds of situations that would not normally occur with a home or car. RVs also contains a number of fixtures and retractable items that can potentially be damaged. 

Make sure your RV is covered today

If you need coverage in the San Antonio, TX area, an agent from Access Insurance Services can offer a number of different options for your RV. 

Blown Tires and Auto Insurance Rates

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.

Tips for Understanding Your Auto Insurance Policy

We go through our lives signing paper after paper, and many times, we don’t even know what we’re signing. From privacy policies to waivers and more, we often fail to take the time to read through the fine print of paperwork to have a good understanding of what we’re signing for. When it comes to auto insurance, though, this is not something you want to take lightly. It is very important that you understand what you’re purchasing and the type of coverage you will receive should you have to make a claim. Access Insurance Services serving the San Antonio, TX area wants you to have a clear understanding of your policy and that’s why we are here to offer two tips for understanding your auto insurance policy. 

Read Through the Entire Policy

There’s a good chance your auto insurance policy is actually several pages long. This is why you should set aside an extended period of time to read through it. It will likely take you anywhere from 30 minutes to an hour or more to actually read through all parts, but once you do, you can rest easy knowing you have a better understanding of the coverage you have. Even better, you may learn about parts of your policy that you were unaware of. 

Speak With Your Agent

The best way to get a better understanding of your auto insurance policy is to speak with your agent. Your insurance agent can explain any unfamiliar terms and will provide you with a crystal clear picture of what your coverage does and does not entail. This person can serve as a go-to resource for any and all of your questions and concerns. 

Contact Us Now

To learn more about auto insurance and how to understand your policy, contact Access Insurance Services serving the San Antonio, TX area. 

Everything You Need to Know About Reporting Your Car Stolen

There is nothing more frightening, frustrating or stressful than coming outside of your home in San Antonio, TX or walking to the parking lot after work, only to find your car has been stolen.  Unfortunately, people experience this type of tragedy everywhere, regardless of how safe your neighborhood is or how secure a parking lot is-car theft happens all across the country. Here are a few tips on how to handle the process of reporting a stolen car, which may make the situation a little less frustrating.

Was it Really Stolen?

Once you have become aware that your vehicle is missing, the first thing to do is consider all other possibilities before filing a police report and making an insurance claim. For example, check for any parking signs that may indicate you accidentally parked in an illegal spot and your vehicle has gotten towed. Contact friends and family to ask if they borrowed the vehicle and if you have a loan on your vehicle that is in default, contact the loan company to make sure it wasn’t repossessed. Once you have determined there is no other reason for your vehicle to be missing, contact the police and file a police report.

Insurance Coverage for Stolen Vehicles

It is important to know that in order to have insurance coverage for a stolen vehicle, you must have comprehensive coverage of your insurance policy. In most states, if a vehicle is stolen from your personal property, you will not be able to file the claim under your homeowner’s insurance policy-you must have comprehensive coverage on your automobile policy.

Insurance Claims Process

The most important thing to do before contacting your insurance company is filing a police report. As soon as you file the police report, contact your insurance provider. In most situations, there will be a waiting period (usually 30 days) before the claim is paid, in order to see if the vehicle is recovered. Also keep in mind that comprehensive coverage typically doesn’t cover the personal items stolen out of a vehicle, such as a phone, jewelry or computers.

Automobile thefts are taken extremely serious at insurance companies. This type of situation is investigated closely by an adjuster in order to ensure there is no fraud. It is important to keep in mind that filing a fraudulent auto theft insurance claim is a serious crime.

Residents of San Antonio, TX that want to review or upgrade their current automobile insurance should contact Access Insurance Services.

How You Can Save On Auto Insurance By Paying Your Premium Up Front

For some vehicle owners, auto insurance can be confusing. Many do not realize that they can save money by taking certain actions and coverages when selecting their insurance. One of the many ways you can save money on your premiums is by paying for your coverage up front for six months or even a year rather than breaking it up over each individual month.

Why Pay Up Front?

If you pay your insurance premiums up front, you don’t have to pay the additional finance charges that are tacked on to your policy over the months that you are covered. This means that you stand to see substantial savings. Although this may not be ideal for every person, it is one of the options that can help you lower your insurance costs. Consult your insurance agent to find out exactly how much you can save by selecting this payment option.

Get Help Making A Decision

If you are unsure whether or not you should pay your premiums up front or spread them out over each month, you should consult your insurance agent. There may be other benefits to paying up front beside cheaper premiums. It always helps to do business with a professional agent that takes pride in having a high level of customer service. If you are looking for a reputable insurance agent with your best interests at heart, and live in or around the San Antonio, Tx area, you should consult Access Insurance Services.

People who live in and around the San Antonio, TX area can rely on the insurance products of Access Insurance Services. They can help you make informed decisions that fit your lifestyle and save you money. Call or stop by today to speak with a helpful representative.

Are Your Friends Covered by Your Auto Insurance?

One of the scenarios that you may not consider very often when you’re picking out auto insurance is what exactly happens if you need to let someone else use your car. It’s relatively common for your friends or relatives to ask to borrow it to make a quick trip, or they may need to drive it if there’s some type of emergency where you’re unable to drive. Access Insurance Services wants the people of San Antonio, TX to know more about how this works before they hand over the keys. 

When You’re Definitely Covered

When you first sign up for coverage, you’re usually asked if you want to name someone else on the policy. The insurance company will ask you to consider the person or people who are most likely to need to drive your car in the future. In this case, your auto insurance will give the named person driving the same benefits that you receive from your own policy. Before the insurance company does this, they check the driving records of the person who is named, so they feel completely confident in extending coverage to them too.  

When It Depends 

If someone who isn’t named on the policy drives the car, then your insurance may or may not cover them. Normally, the policy is to use your insurance as the primary source of coverage, which means that you’re liable if there’s some sort of problem. If your friend or relative has auto insurance under their own name, then their insurance company may cover part of the damages as well.

Sometimes you will need to have someone else drive your car, so it’s important to have all the facts. Call Access Insurance Services to find out more about how our policies work for the people in San Antonio, TX today.