3 Unexpected Hazards Motorcyclists Face

The agents of Access Insurance Services provide motorcycle insurance for riders who live in San Antonio, TX and the surrounding communities. They work diligently to keep their clients aware of hazards they may be confronted with while riding on Texas highways.

Grass Clippings on the Road

Homeowners who blow their grass clippings on the road when they mow their lawns. The grass can make the roadway slippery, causing a motorcyclist to lose control and crash their bike. Always be aware of the road conditions and if grass clippings are spotted, proceed with extreme caution.

Grooved Pavement in Construction Zones

Grooved pavement that is often found in construction zones can make it difficult to control the steering while riding a motorcycle. Signs are often present but if they are not and you are entering a construction zone, be aware!  Maintain a slow speed and try to find pavement that is smooth and easy to travel on.

Distracted Drivers

Distracted drivers are causing more and more accidents each year. Some statistics say that the most common age for distracted drivers is between 18 and 24 years of age. It is also estimated that most vehicle/motorcycle crashes that involve a fatality are caused by a distracted driver who is on their cellphone or who have taken their eyes off the road.

In San Antonio, TX, the agents of Access Insurance Services are always available to talk to their clients about their current motorcycle coverage and possible risks they may face when they go out for a ride. Don’t delay! Call and talk to an agent today to find out how you can travel safer and reduce your exposure to risks you may experience during your travels.

What Is Covered With RV Insurance?

Owning an RV in San Antonio, TX can make it easy to embark on all sorts of different adventures. Before you take to the roads, it is a good idea to explore RV insurance. To ensure that you have all of the coverage that you need, you can work with us at Access Insurance Services.

Liability Coverage

When you buy an RV insurance policy, it is going to provide you with liability coverage. This ensures that, if you get into an accident where you are to blame, coverage is in place to take care of property damage as well as injuries of the other party.

There are various levels of coverage, and much of it is going to depend on what type of RV you have. If you have a motorhome where the engine is self-contained within the RV, you will need to meet state requirements for vehicles. Otherwise, if you simply have a trailer, the liability levels are completely optional.

Adding Coverage

Buying an RV is a considerable investment. As such, you want to make sure that you are doing everything you can in order to protect that investment. This is why it’s so critical to pay attention to what is and isn’t covered with RV insurance. 

Most things can be covered, especially if you choose various add-ons. This is when it can be particularly beneficial to work with an independent insurance agent. We can ensure that your policy is custom-built to include coverage for vandalism, theft, and so much more. In the event that something happens, you can relax knowing that you can file a claim with the insurance company.

We have worked with a number of people throughout San Antonio, TX. Contact us at Access Insurance Services today to learn more about how to be sufficiently covered with RV insurance.

3 Tips for Buying Life Insurance in San Antonio, TX

Having a life insurance policy in place is one way to protect your family after you pass away. In fact, it’s one of the most important ways.

A life insurance policy helps with your family’s living expenses, your burial expenses, paying off debt, helping with college tuition, if needed, and more. If you don’t have a life insurance policy, now is the time to get one. Access Insurance Services has put together three quick tips to help you get started.

1. Compare Several Quotes

It’s recommended that you compare many life insurance quotes before deciding to sign on the dotted line. Go over each policy in fine detail, comparing benefits and costs as well as any other concerns you may have. A reputable agent from Access Insurance Services can help you with this process.

2. Bundle Your Insurance Policies

Chances are you already have a few insurance policies in place, such as auto, home, umbrella, commercial, and others. When you bundle all these policies, along with your life insurance policy, under one insurance carrier, you will receive a discount on your premiums. 

3. Work with a Reputable Agent

To find the right life insurance policy at the price you want to pay, work with a reputable insurance agent who is friendly, experienced, and who answers all your questions and concerns. 

To learn more about the benefits of a life insurance policy in San Antonio, TX, contact us today. One of our trusted agents will help you compare quotes, bundle your policies, and find you the best insurance company to work with. Our agents are standing by, so give us a call today.  

Protect Your Legal Firm With Commercial Insurance

As a lawyer operating out of San Antonio, TX, you need high-quality insurance to protect yourself and your business. We at Access Insurance Services can provide you with many of these policies, which we’ve outlined below to help make your insurance shopping decision easier.

Lawyers Need Commercial Insurance

Though it may not be immediately apparent, you need high-quality insurance to protect your legal business. Lawyers often run into a myriad of situations that can make protection necessary. Working in such a high-stress field and with such a large number of people can make it nearly impossible to avoid running into these complications from time to time.

Types of Insurance to Consider

Legal professionals will need a variety of insurance types to ensure that they are protected. The most common of these is a general liability. This type helps to protect you from lawsuits brought forth by unhappy clients. For example, they may claim that they were injured while at your facility or that you did not protect their rights while working for them.

If you have an office, you should also have property insurance to keep it safe from damage. This coverage will protect a variety of elements, such as your law library, office furniture, and essential legal records. Typically, this type of insurance protects against problems like floods and fires. Just as importantly, you should make sure that you have business income insurance that helps you in case you can’t practice law for any reason.

Getting the Help That You Need

So if you need help with commercial insurance in San Antonio, TX, please don’t hesitate to contact us at Access Insurance Services today to learn more. Our professionals will sit down with you and find a coverage plan that works the best for your needs and ensure that you are fully protected and safe.

What Does Motorcycle Insurance Cover?

For many people, motorcycles represent freedom and the joys of the open road.  Having the right motorcycle insurance can keep you covered every time that you head out.  The law requires that you have minimum liability insurance. A more comprehensive policy will provide you with better cover, though.  Also, check with your lender’s requirements if the motorcycle is financed.  Many times, lenders will require certain levels of coverage. Regardless of your situation, it is important to understand all of the insurance options that are available. The team at Access Insurance Services serve the needs of motorcycle owners throughout the San Antonio, TX area. They can address any questions that you may have. 

When you visit, they will discuss the coverage that a minimum liability policy provides. In simple terms, if you are in an accident and found to be at fault, the policy will cover the repairs and medical expenses needed by the other person.  If they decide to sue, it will also cover their legal fees. Minimum liability policies, however, will not cover any of your medical expenses or repair costs.  Another point to consider is that a minimum liability policy will out pay for a defined amount. If the medical or repair costs exceed that limit, you will be held responsible for the overage. 

The team at Access Insurance Services want you to have the best coverage possible for your motorcycle in the San Antonio, TX area. They will show you more comprehensive and collision insurance options that fit your lifestyle. They are ready to answer your questions and give you options. Your bike is an investment that needs to be protected should you ever been in an accident.  Visit their website for information to get started, then visit their offices for the coverage you need.

Cover Your Debt With Life Insurance

For many residents in Texas, they are underinsured when it comes to life insurance. While Texas does not have a requirement on life insurance policies, many families who are left with outstanding debt from deceased family members find themselves working to cover final costs, mortgages, and other costs that come due after their loved one had passed. Maybe you have personally experienced this and would like to ensure that your family will not suffer the same fate. A life insurance policy from Access Insurance Services for residents in or around the San Antonio, TX area can help family members with obligations below.

Final Costs

Funeral arrangements and services can add up to quite the tab for a funeral home, and these services have to be paid promptly. When building your life insurance policy, ensure that enough funds are available for the services that you would like to have in your honor.

Estate Fees & Probate Costs

For those who have a large estate or planning to split the estate into multiple owners, expect the fees from the estate and the probate costs when planning your policy. You can include a budget for these fees so that you are still protecting your family even after your passing.

Mortgages & Car Loans

If you currently have any outstanding mortgages and car loans, you will want to include those expenses in your overall policy coverage. These types of debts will not dissolve after death and will fall to the responsibility of the family members assuming the estate. 

Get Quality Life Insurance Coverage

The agents at Access Insurance Services understand the needs you have your life insurance policy and will assist you with making sure that you have enough to cover your obligations and protect your loved ones. If you live in San Antonio, TX, give our agency a call today for more information. 

What you need to know to get the right multi-vehicle auto policy for your family

In the greater San Antonio, TX area, it can be difficult to get around without a car. When you have multiple family members and everyone has a car, insuring all the vehicles can become a big deal. The team at Access Insurance Services is here to answer all of your questions and provide helpful information about your multi-vehicle auto insurance options. When you are insuring a number of vehicles, it makes sense to carefully review all of your options and then determine which policy or policies are right for your family.

  • Are any of the cars fully paid for? When your car is owned outright and is not attached to a bank loan your options can be different from those available to leased or financed cars and trucks.
  • Is there a family member with a poor driving record that is causing difficulty with your insurance procurement? If you have a "bad driver" in your family the type of policy or coverage amounts that are available to you may be limited. If their record is really making thing difficult, it can sometimes make sense to put them on their own policy.
  • What is the average mileage driven for each of the cars? If you have a car or two that is driven in a limited radius or is only used when another car is out of commission, be sure to let your agent know the distance it is driven each year.

Are you feeling overwhelmed about the insurance that your family needs to protect all of your vehicles? The team at Access Insurance Services is here to provide answers for our friends and neighbors in the greater San Antonio, TX area. Call or stop by today!

Are You Paying Too Much for Motorcycle Insurance?

The average cost of motorcycle insurance in San Antonio, TX will depend on the coverage you choose and other factors, such as driving range, accident history, and type of bike. While motorcycle insurance is required, there are ways to save if you think you are paying too much for motorcycle insurance.

If your limits are too high, you could be paying for insurance you don’t need. However, if your limits are too low then you are at risk for having to pay out of pocket if an accident does occur. Increasing your deductible can help lower the cost of your premium while keeping coverage, which can be useful.

Start looking for a company that offers discounts for motorcycle insurance. Some of these discounts can include a mature rider discount for riders that have some years under their belt, a paid in full discount, a responsible driver discount, a multi-bike discount, or an anti-lock brake discount. There may also be a continuous coverage discount for those who don’t cancel in the winter and sign back up in the spring. Ask an agent at Access Insurance Services to see if you can qualify for any discounts.

A motorcycle safety class may also help you reduce your rates. It can help you save money now and also help you reap benefits in the long run by helping you stay claim free and ride better.

Choosing the right bike can also help you save on motorcycle insurance. A newer and more expensive bike will be more expensive to insure. If your bike has a larger engine, it could also be resulting in larger premiums. Bikes with a lot of chrome can cause premiums to increase. Sports bikes may also not be insurable because they are considered high risk.

Contact Access Insurance Services, serving San Antonio, TX, to get a quote on motorcycle insurance.

When is a Good Time for an RV Insurance Review?

Everyone knows they need RV insurance when getting a new RV. However, it is not as obvious that it is a good idea to have an RV insurance review at least once each year and if any substantial changes occur. It is important to work with your agent at Access Insurance Services, serving San Antonio, TX and the surrounding area, to make sure your RV insurance is adequate.

Here are some things that would normally warrant an RV insurance review:

  • Changes in Usage: If the use of your RV changes substantially, it is a good idea to let your agent know about this so that the insurance can be adjusted as needed. For example, an insurance adjustment may be needed if you normally travel only for short trips during summer and you retire with the plan to travel constantly in your RV. The additional miles traveled need to be considered for insurance purposes.
  • Changing How the RV is Parked or Stored: Parking your RV in a new location or placing it in storage can change insurance requirements. Just tell your agent if there is a change in the normal place it is parked.
  • Letting Others Use the RV: If you plan on lending your RV to others, make sure your agent knows because they may need separate insurance to cover them for driving and using it.
  • Renting Your RV: Renting out an RV is a common way for owners to reduce the expenses of maintaining one. When renting an RV, this becomes a commercial use of it and the insurance requirements are different than when only using it for personal (non-commercial) uses.
  • Adding Custom Features and Equipment to an RV: Inform your agent if you make any substantial custom modifications and/or add expensive items to take along on RV trips, such as a new stereo system, an entertainment system, or other expensive equipment or customizations.

If you need any help with RV insurance, then reach out to your agent at Access Insurance Services in San Antonio, TX to get a free consultation, an insurance review, and a quote.

Can I Borrow Against My Term Life Policy

Term life insurance offers other benefits aside from providing a way for you to pay your final expenses. At Access Insurance Services, agents help the residents of San Antonio, TX find the right type of life insurance for their individual needs. For some residents, having a term life insurance policy will suit their needs as well as provide them with a line of equity in case of emergency.

Build Equity

With a term life insurance policy, you have an opportunity to build usable equity. Because it is a "term" policy, the number of payments have already been decided in order to reach the policy’s maturity. With every monthly premium you pay, you continue to build equity.

In Case of an Emergency

When enough equity has built up in the policy, you may be able to take a loan out against what you have already paid in. You will have to apply for the loan just like you would if you were borrowing from a financial lender. If you are approved, you will be able to borrow a pre-determined amount.

Make Additional Payments or Add Payments to the End

When it comes to repaying the loan, you can make an additional payment every month along with your regular monthly premium or you can add the payments on to the end of the term.

If you are interested in learning more about the benefits of a term life insurance policy, call the agents at Access Insurance Services. Residents who live in San Antonio, TX can get all of the information they need about term life policies simply by calling the office and talking to a reputable agent.