Emergency Supplies to Keep in Your Car

It’s important to be prepared for life’s less fortunate moments. Emergencies can occur at any time, whether you’re in your home, your office, or your car. Here are some useful tips to help keep you safe and worry-free, courtesy of StraightEdge Insurance Agency serving Georgetown, TX.

Snacks

If you become stranded somewhere, you might become hungry at some point, especially if you are feeling stress and fear. Snacks can fight hunger and help give you the energy to keep going.

Flashlights

You could become stranded at night and have to find your way to a shelter, such as during a thunderstorm or a hailstorm. So a flashlight or two would be useful in those situations.

Mobile phone

If an emergency happens, or if you become stranded, sometimes you just have to ask for help. So, a mobile phone is invaluable and can save somebody’s life, especially during medical emergencies when you have to call 911.

First aid kit

If an injury happens, sometimes you have to be the doctor when there is none available. A first aid kit can help with this. It should have bandages, pain relievers, such as ibuprofin, antibiotic ointment for cleaning wounds, and other useful items. You do not want to acquire an infection during an already stressful emergency situation.

Blankets

During winter, a blanket can save lives and limbs from the cold. And though an emergency is bad enough, you don’t want to be shivering from the cold too. So, put some blankets in the car.

Bottled water

Dehydration can be dangerous, especially during an emergency situation. So store bottled water in your car.

If you are looking for a solid insurance agency serving Georgetown, TX, please contact StraightEdge Insurance Agency to discover what we can do for you. Visit our office to learn more.

Is Texas an ‘At-Fault’ State?

In a “no-fault” state there is no determination made of who caused a traffic accident. The insurance of each person covers their vehicle and its occupants. Texas is not a no-fault state. Texas is an “at-fault” state.

Texas is a state where if a vehicle accident occurs, there is a determination made of who is at-fault for causing the accident. The fault may be apportioned between more than one person involved in the accident according to a percentage of how much each person is at-fault.

What does ‘at-fault’ mean?

If a dispute exists over who is at-fault for causing an accident, this determination may be made by a court of the proper jurisdiction Under Texas law, the at-fault party (or parties) has to pay the damages caused by the accident.

Texas law requires every person operating a vehicle to have auto insurance of certain minimum levels. That insurance has to pay a claim for the damages caused by the person who is at fault. A covered claim is paid up to the policy limits of an auto policy.

If the damages exceed the amount covered by the insurance, then the injured party can sue the at-fault party. The injured party can sue to collect more money from the at-fault party, up to the total damages awarded by a court judgment.

Better Auto Insurance than the Bare Minimums

Just getting the minimum auto insurance coverage required by Texas law does not usually provide adequate protection. The minimum amounts are far too low to cover the costs of the damages that may be caused by an accident. Discuss this with your agent at StraightEdge Insurance Agency, serving Georgetown, TX and the surrounding area.

The damages may be to the vehicles involved and also to the injured people who have medical bills and lose time from work. In the worst-case scenario, if someone is killed by the accident, there needs to be compensation paid to the surviving family member(s) of that person who died.

Consider Personal Injury Protection

Even though Texas does not have a legal requirement for vehicle owners to have personal injury protection (PIP), it is still worthwhile to consider it. If the person who is at-fault for causing an accident cannot pay or is operating a vehicle illegally without having insurance, then having the extra protection from PIP in place, can be very helpful.

Contact your agent at StraightEdge Insurance Agency in Georgetown, TX by calling or get a quote for auto insurance by using our online rating tool.

Agents vs Online Auto Insurance

Automobile insurance agents and the ability to buy online insurance often battle one another in the field of optimal coverage. The choice comes down to personal preferences and what a family or auto-owner feels is best for them.

Observations of Online Auto Insurance Brokers

Online Auto Insurance is normal in today’s Internet hustle and bustle. However, settling for the cheapest does not always mean better coverage. 

A car owner Googles an insurance company, the top websites pop up, and an insurance quote follows within mere moments. The upside people flock to is the ability to purchase coverage without having to speak to an agent. The twenty-four seven, seven days a week advantage is why many people go with an online insurance company.

The downside to online auto insurance is car owners are on their own. Additional savings, surprise fees, and no personal relationship are often at the detriment of the insured.

An Auto Insurance Agent is Always Aware

Auto insurance agents are available for a personal relationship with auto owners. The maximizing of discounts and explanations of policies are priceless.           

Experts from StraightEdge Insurance Agency serves Georgetown, TX establishes a long-term relationship and keeps confusion down with professional advice.

The preference of one on one interaction and personal attention is different from person to person. However, the extra hand in knowing an automobile insurance policy in and out ensures that an insurance claim does not fall into the rejection file because of a misunderstanding from an online insurance company.

The bottom line of a budget’s bottom line is understanding every aspect of an auto insurance policy. Simple does not equal savings.

Serving Georgetown, TX, StraightEdge Insurance Agency is available for questions and concerns about auto insurance policies and what sort of coverage best fits a person and budget.

 

Your Auto Is Like Home Away From Home

Many people use their vehicles for more than just driving to work. They have to shuttle kids from one activity to another. While doing that, they’re eating a quick dinner, helping with homework, and asking about the school day. Their car has become part of their parenting, a tool where parents can reach out to their kids despite the busy schedule.

Why not double check your auto insurance? Make sure you have the coverage you need since you depend on your car for so much. Here in the Georgetown, TX area, we have representatives who are experienced with auto insurance. They’re ready to explain your policy’s details and research other options in case you feel the need to change policies. Contact us at StraightEdge Insurance Agency, and we’ll discuss your options with you.

Levels of Coverage

There are different levels of auto insurance coverage, and you may have forgotten which level of coverage your current policy represents. While getting a new car certainly brings this matter to your attention, that’s not the only situation that can affect your insurance. Here at StraightEdge Insurance Agency, we’ve encountered customers who had purchased a lower level of coverage long before. They just kept paying it without considering how their lives had changed. It may be that you could use more specific coverage that allows you to recover quickly from an unfortunate accident around the Georgetown, TX region.

You take the time to schedule and attend medical appointments, and this is similar to what we do for you. When you sit down with us and discuss your insurance needs, it’s like a check-up for your insurance. You’ll learn what great shape your policy is in, or where it needs special attention. Contact us for an insurance review.

When The Rubber Hits The Road: Age Specific Milestones And Your Auto Insurance Policy

Blow Out The Candles

Most of us can remember when we first got behind the wheel of a car. Depending upon your enthusiasm and zest for driving, you may have been more hesitant. It’s great to know that Texas leans on the side of caution when it comes to putting brand new licensed drivers on the road.

Here Is The Rule That Matters In Texas

In Texas, we like everything big. At StraightEdge Insurance Agency in Georgetown, TX, we give you all of your automobile insurance information straight – no chaser. Individuals under the age of 18 must have a valid learner’s license or minor restricted DMV license for six months prior to obtaining a provisional class A, B, or C drivers license. 

 A provisional drivers license means that for the first 12 months of driving you must be accompanied by a licensed parent or other licensed individuals who are over the age of 25 if you have passengers under the age of 20 for one year. For youngsters, it is a restriction that may seem rather cumbersome. It appears that Texas made these particular rules because it wanted to ensure that all of the residents stay as safe as possible. Practice makes perfect. These rules in Texas allow for better supervised and regulated driving before one is trusted on the open road alone.

Whoa There Nelly

Individuals who do not want to wait for their 18th birthday can start drivers education as early as 14 years of age. However, you cannot be issued a learners permit until you are 15 years of age. For more information about automobile insurance, please call or come by our office. Contact our agents at StraightEdge Insurance Agency in Georgetown, TX .

 

 

 

Getting another driver on your auto policy

If someone is going to be driving your car regularly, such as if you let your teenager drive it, if you share the car with a friend, or if both you and your wife drive it regularly, then you will want to make sure that you are both covered on your insurance policy. When you call StraightEdge Insurance Agency, you’ll find that it’s not difficult at all to get another driver added to your policy so that you and the other driver can safely navigate the streets of Austin, TX.

To answer a few fundamental questions: Yes, this will cause your rates to go up. However, it’s generally going to be cheaper than buying a whole new policy on a whole new car. Yes, their record will affect the rates. A safe driver is a safe driver, and a dangerous driver is a dangerous driver, whether or not they’re the primary driver of the vehicle. And yes, you can add non-family members to your policy. It’s not really any more difficult than calling StraightEdge Insurance Agency to have a family member added to the policy.

Finally, you may be wondering if it’s worth the effort and cost to have another driver added to your policy, and that comes down to how regularly you’re lending your car out. If you let your cousin drive the car maybe twice a year, then having them covered on your policy might not be necessary, as they will be covered under "permissive use." If everyone in your Austin, TX home drives the car on a semi-regular basis, then having the whole family added to the policy is not a bad idea.

Contact our offices to speak with an agent and have your questions answered. We can work with you to get you the policy you need.