Just like life, auto insurance seems to come with a never-ending array of options. Sometimes people think of the extras as nothing but a way for insurance companies to make more money, but the truth is that better coverage is more often worth it than not. Paragon Independent Insurance Agency wants you to know more about why you should consider strengthening your coverage. 

Accidents Are Expensive 

Let’s say you’re carrying around some expensive photography equipment when you accidentally hit a car in another lane. You have custom rims on your car and your equipment is damaged in the crash. The other person claims they have whiplash, and the side of their car is fairly smashed up. All of these bills for repairs will add up quickly, not to mention the loss of the equipment you’re carrying. If you only have the minimum, you would be required by law to pay any extra damage costs. Extended auto coverage will not only help cover the other person, but it can also stop you from having to make extremely expensive replacements yourself.  

You May Not Have the Right Partner 

Paragon Independent Insurance Agency serves the people of Plano, TX and does not want them to feel blindsided should something happen to their car, either on the road or off. Liability won’t cover any repairs to your own car if you’re in an accident, nor will it help you if it’s stolen. Before you put yourself in that situation, consider calling us to talk about how you can get better coverage in case something happens. If you’re in Plano, TX you owe it to yourself to protect what you have. Contact us for more information, or to get a quote for your vehicle. 

Hail damage in some parts of the country can be as regular as the risk of tornadoes. And anything that happens to be outside is going to be marked with the passing of hail, especially if the storm produced sizable ice chunks in the process. Numerous folks can remember big storms, when entire farm fields were knocked down, holes in roofs, and smashed out vehicle windows.

Plano, TX is no exception to hard storms and hail. Like a good part of Texas, the area sees its share of weather and big storms. Car policies in the region can cover the issue if the right policy is chosen ahead of time when a car owner secures coverage. And that’s where some folks find themselves in a surprise after the storm has passed, realizing they took out the wrong policy for the damage that has occurred with ice falling. Car damage isn’t cheap, and a good size hail ball can do some serious dents or window damage with the right angle and hit on a car parked outside.

For those in the Plano, TX region, Paragon Independent Insurance Agency can help quite a bit. Their agents are trained and versed in all the different types of auto coverage policies available for the area. More importantly, they can parse and clear up the confusion between specific terms, what coverage actually means, and what would happen specifically during a hail storm with a given coverage plan. There’s no reason for people to play a guessing game with mother nature. Giving Paragon a call can mean peace of mind and elimination of wondering "what if" before the next winter season and round of storms blow in.

 

In Texas, you are required to be responsible for an accident, if you are at fault. Not all of the coverage you may get is mandatory. Some items are optional. Depending on your situation and needs, you may decide to have full or partial coverage. No matter what policy you choose, you will need insurance to protect you while you are on the road.

Types of Coverage for Your Automobile

• Liability – If you have an accident and you are at fault, liability insurance can protect you. You can have property damage and bodily injury liability, which covers you if you cause damage to another vehicle or hurt someone else.
• Personal Injury Protection – Medical costs and funeral expenses may be covered if you cause injury to another person in an accident.
• Uninsured and Underinsured Motorist – There are two types: property damage and bodily injury.
• Collision – You could be covered if you receive damage to your vehicle during an accident.
• Comprehensive – If you have damage to your vehicle that was not in an accident, for example, if your car were damage due to vandalism or an act of nature.
• Roadside Assistance – You could get help if your car breaks down and you need to be towed.
• Car Rental – You can get a rental if your car is being repaired due to an accident.
• Death and Dismemberment – You could be covered if someone in your policy dies, is dismembered, or loses their sight.
• GAP – GAP gives you the difference between the amount you owe the lender and the fair market value of your vehicle, if your car is totally lost because of an accident.

Get more information from the Plano, Texas agents at Paragon Independent Insurance Agency. They are available to help you with new or existing insurance policies.

Preparation beforehand can make the difference between a smooth car trip and a journey that gets interrupted because of an unexpected mishap. Here follows a check list before setting out on the road.

Make sure you have a GPS system. Modern technology has allowed one to avoid the embarrassment of asking for directions. People used to navigate the highways without GPS. Now no one can understand how they did without.

Use a roadside assistance service, such as AAA. If you happen to be on the side of the road because of an accident or breakdown, this could be a lifesaver.  Such services will also provide maps, a good backup for the GPS, and information on amenities along your route, such as rest stops, motels, and restaurants.

Check your tires, and make sure that the treads are not worn and that they have been aligned and rotated. A blown tire that has to be changed can be aggravating, to say the least.

Have your garage check your car. Auto repair shops will do an inspection of your vehicle. A worn belt or a leaky hose, for example, could ruin your car trip, so detecting and fixing problems beforehand is a good idea.

Have a hands-free cell phone installed. Talking or texting is not a good idea behind the wheel, as a rule, but a hands-free system will allow you to communicate with the outside world in case of an emergency.

Have a store of provisions packed in the car, including bottled water and snacks, such as protein bars. That way, you can stave off thirst or hunger without having to pull into an eatery. A first-aid kit is a good idea, as well.

For your insurance needs contact Paragon Independent Insurance Agency