Auto Insurance

Auto Insurance helps you to protect you and your family against financial loss of owning and operating a vehicle. Without the proper coverage you can leave your assets exposed to lawsuits, or in absence of assets leave the other party you injured in financial despair.

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Automobile Insurance Coverage Descriptions:

Note: The following outline of coverage is for your information only. Please see your policy for exact terms, conditions, exclusions and limitations.

Bodily Injury Liability (occasionally referred to as BI):

  • Pays when you are legally liable for injury or death caused by your vehicle. Legal fees and court costs are also included outside of limit, but duty to defend ends once limits are reach on a payout. Pays up to the first limit for each person and up to the second limit “Total” for all injury in the accident for which...
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I often get the scenario of a client who is not at fault, and needs to file a claim after another party hits them. From here if there are no injuries, there are two options. File the claim with the clients policy or have the client file against the at fault party’s insurance. The short of it, is that I recommend filing on the other parties insurance but there are pros and cons to each way. Below list some of the pros and cons.

File with other parties auto insurance policy: (assuming you carry collision coverage on your policy)

Pros:

1) Only one claim needs to be...

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First thing, is to stop and render aid. Call 911 for emergency medical help if needed. Second, notify the police. Note: police are not likely to come to the scene if the accident occurred in a parking lot, or there are no injuries.

Now its time to gather information.

The top priorities:

  1. Be sure to get the drivers name, dob, and drivers license.
  2. The license plate of their vehicle. (We can pull the registered owner of a vehicle from this)
  3. Getting witnesses’ names and contact numbers can be a huge help especially when other parties change their story...
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Ever get lost in the confusion of auto coverages, just to get to the coverage you understand, your auto deductibles. A great deal of time is spent debating. “full coverage” or not, what the deductibles should be etc. But what about the “other” coverages and how to select limits and understand them?

I would like to describe a tool that can put into perspective how you can take control of your auto coverages limit decisions.

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There is no right answer but there are many things to consider when choosing an auto insurance deductible. The auto insurance deductible has two categories Comprehensive (sometimes referred to as “other than collision”), and Collision. Both deductibles are a per occurrence, and not an annual deductible, and they typically vary from 50 dollars to 1250 dollars. The deductible functions

Comprehensive:

Comprehensive coverage examples:

-Weather losses

-Hitting a live animal

-Flying projectile

-Theft

-Vandalism

-Flood

-Fire

-”other...

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UIM coverage is just as important if not more important than the auto liability limits you carry to protect your assets from a lawsuit.

Here’s why:

1) 1 in 4 drivers in Travis County are uninsured motorist. Source: pilot program to catch uninsured motorists in Travis County. Sadly the pilot program started 3 years ago and the state has not acted on it.

2) A person who is not responsible enough to carry auto insurance, will typically take risks in other areas of their life and cause more severe auto accidents.

3) When an uninsured motorist injures you,...

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Ever wonder what auto insurance companies use to rate your policy?

Primary Factors:

  • Territory
  • Use of Auto
  • Age
  • Gender
  • Driving Record
  • Credit base insurance score

Other Factors:

  • Marital Status
  • Good Student
  • Multi-Car
  • Years Driving Experience
  • Type of auto and value of auto
  • Deductible and Policy limits
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p: (512) 649-8191

f: (512) 535-0495

info@pap-ins.com

12600 Hill Country Blvd. Suite R-275
Austin, TX 78738