Need For Motorcycle Insurance

by Administrator 28. February 2023 04:30

Apart from protecting your bike, motorcycle insurance offers you protection in case of an accident. At Shawn Camp Insurance Agency, Inc. we offer unmatched insurance deals to our customers in Killeen and its surrounding areas.  Listed below are the main types of motorcycle insurance coverage options offered at Shawn Camp Insurance Agency, Inc.:

  • Liability Coverage: This includes coverage for both bodily injury and property damage.  If you are at fault while riding your motorcycle, the insurance agency is responsible for compensating the injured party for the damages caused.
  • Comprehensive and Collision: If your motorcycle is stolen or damaged in the event of an accident, this plan covers the expenses arising as a result of the same. The expenses may include repairs and in extreme cases, replacement.
  • Medical Payments: Irrespective of which party is at fault, an insurance agency covers medical payments as per policy terms. Generally, there is a capping on the maximum limit up to which the compensation can be offered.
  • Custom Parts and Equipment: If your motorcycle has custom parts and accessories and the same are damaged in an accident, this coverage ensures you get the parts replaced. This is an add-on protection and is not included in the standard policy.
  • Uninsured/Underinsured Motorist: If you get into an accident with a driver who is either uninsured or underinsured, this policy helps to cover the costs of treatment and lost wages. Uninsured motorist coverage provides protection in case of an accident with a driver who has no insurance whereas underinsured insurance covers an accident with a driver who is insured but the policy limit is insufficient to cover your damages.
  • Roadside Assistance: In the event of your motorcycle breaking down on the road or developing any other mechanical failure, you get compensated for the expenses incurred for towing, jump-starts, fuel delivery, trip interruption and more.
To choose the right motorcycle insurance policy, it is important to consider the reputation of the insurance agency, its experience in the field, coverage levels offered, and the insurance cost. A range of factors are considered by the insurance company to determine the price of an insurance policy. These include your age, location of residence, frequency of using the vehicle, credit history, driving record, etc.

Motorcycle insurance protects riders from financial overwhelm in case of an accident or unexpected incident on the road. It is a prudent choice that helps riders on the road enjoy peace of mind and a sense of security. To know more about motorcycle insurance, visit Shawn Camp Insurance Agency, Inc. at 2705 E. Stan Schlueter Loop, Suite 101 Killeen, Texas 76542 or call 254-526-0535.  You can also browse our services at www.shawncampinsurance.con and connect on our Facebook page for the latest updates.

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Insurance 101: What is A Deductible?

by Administrator 14. February 2023 08:10

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How To Decide Right Coverage Limit in Auto Insurance?

by Administrator 28. January 2023 09:08

There are various types of auto insurance coverage to choose from beyond the minimum requirements of your state. The right coverage limit for auto insurance depends on factors like the city you live in, your vehicle usage, vehicle’s worth and affordability.

Listed below are tips to choose the right coverage for auto insurance:

  • State Requirements: Every state has minimum auto insurance requirements and vehicle owners are required to meet with these requirements. In addition to the coverage complying with your state’s requirements, you may buy additional coverage to fit your needs.
  • Value of Vehicle: The coverage limit should be chosen such that it is able to cover the cost of repairs or replacement of the vehicle, if needed. Get your vehicle evaluated by professionals to find its current value. The vehicle’s value is governed by multiple factors such as its manufacturing company, model, features, build year, level of use, etc. Also, consider annual depreciation while deciding the vehicle’s value.
  • Medical Expenses: Consider the cost of medical assistance in your area before choosing the right medical coverage limit. In case, the medical expenses exceed your coverage limit, you would be required to pay them out of your pocket.
  • Property Damage Liability Coverage Limit: This insurance covers the cost of damage caused to other person’s property or vehicle. So, consider your assets & circumstances when choosing limit for this coverage type. Ask yourself if you drive around rural areas where most of the traffic consists of older vehicles or do you drive in areas where expensive vehicles constitute majority of the traffic. This will help you understand average cost of damage and repairs you would be levied upon for damage to other vehicle involved in an accident. Choose your coverage limit based on this average calculation.
  • Cost of Insurance: Value of coverage limit has a direct impact on the cost of insurance. Consult a good insurance agent to choose a policy that fits your budget. Ask your agent whether the insurance company offers discounts and incentives for a clean driving record, bundling insurance policies, installing an anti-theft device, etc.
  • Professional Assistance: Professional insurance agents can help in choosing the right insurance coverage limit. They are experience and equipped with the knowledge to help you make an informed decision.
Shawn Camp Insurance Agency, Inc. offers a combination of insurance services, products and payment options. It also allows its clients to customize insurance plans as per their individual requirements. To know more about auto insurance coverage in Killeen, call (254) 526 - 0535 or visit 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX - 76542. You can also browse through and get an instant online quote.

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What is Total Loss Replacement Cost?

by Administrator 16. January 2023 05:18

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What You Should Know Before Buying RV Insurance?

by Administrator 27. December 2022 04:17

RV (Recreational Vehicle) insurance provides financial coverage to protect your motorhome from unfortunate circumstances like accidents, man-made as well as natural calamities, property damage, etc. Before choosing a RV insurance plan, it is important to understand some important aspects related to RV insurance.

What Are Different Coverage Options Offered by RV insurance?

RV insurance offers following coverage options:

  • Bodily Injury & Property Damage Liability: The RV Insurance pays up for the medical bills due to bodily injuries or damage to property of a third party, if you are at fault.
  • Comprehensive & Collision: RV Insurance covers the expenses that arise when your RV is stolen or damaged due to reasons other than an accident (Comprehensive Coverage) and damages caused if vehicle is involved in an accident (Collision Coverage).
  • Uninsured/Underinsured: This option acts a safety net when the defaulting party in an accident does not have an insurance cover (uninsured) or is insufficiently covered (underinsured). Expenses incurred due to medical treatment and lost wages are covered under RV Insurance.
  • Medical Payments: The medical payments coverage pays for medical expenses arising out of injuries caused to anyone involved in the accident, irrespective of who is at fault.
What Additional Coverage You Must Look For?

When buying RV insurance, check for insurance providers that offer additional coverage options such as Emergency Expense, Replacement Cost Personal Effects, Vacation Liability, Trailer, Fire Department Service Charge, Full Timer's Package, Roadside Assistance & Deluxe Package.

What Factors Affect RV Insurance Cost?

The cost of RV insurance is governed by multiple factors. The first governing factor is the type of recreational vehicles including Motor homes—Classes A, B, and C, Motor coaches, Camper vans & Travel trailers. In addition to this, factors such as types of coverage, coverage limit, and intended use of RV (Full time, vocational, etc.) also impact the cost of RV insurance.

Shawn Camp Insurance Agency, Inc. Killeen TX is an independent insurance agency that offers RV insurance in Killeen, TX. The insurance buyers are offered a wide range of coverage options. The insurance agency also allows the insurance buyers to personalize insurance plan as per their requirements. To know more about RV insurance coverage in Killeen, call at (254) 526 – 0535 or visit at 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX - 76542. You can also browse through

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RV Insurance Explained

by Administrator 24. December 2022 14:26

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FAQs About Auto Insurance

by Administrator 30. November 2022 02:41

If you own a car, you are probably planning for the best options of auto insurance near you. Auto insurance offers the protection you need against damages to your vehicle in case of an accident.

Listed below are some frequently asked questions regarding auto insurance which may be helpful in choosing the right auto insurance:

When to Buy Auto Insurance?

The right time to buy auto insurance is right after buying your car. In most states, it is illegal to drive a vehicle that has not been insured. The situation may also be financially draining in case of an accident.

Where to Buy Auto Insurance From?

The best place to buy auto insurance is a reliable and experienced insurance company in your neighborhood. Research on insurance options offered by the company, request an insurance quote and talk to their experts as to which insurance policy will be the best for your needs.

How Much Does it Cost?

The cost of auto insurance is governed by multiple factors. These factors include the coverage limit, type of vehicle, cost of vehicle, deductible, type of coverage, etc. The cost can also be reduced by using discounts such as no claims discount.

What Does Auto Insurance Cover?

It covers bodily injury and property damage liability, comprehensive and collision coverage, uninsured/underinsured, motorist coverage, loan/lease payoff coverage, medical payments coverage, customer parts and equipment/accessory coverage, rental reimbursement, pet injury coverage and roadside assistance.

Will Compensation Be Provided to a Passenger?

The bodily injury and property damage liability will provide compensation for medical expenses and damages caused to a passenger. The amount of compensation depends upon the coverage limit bought by you.

What is Gap Insurance?

Gap insurance refers to the coverage provided for a Loan/Lease Payoff. The insurance coverage provides protection when a vehicle is stolen and cannot be recovered. The coverage is highly recommended for vehicles that are on lease or have a pending loan amount. This insurance can be bought only if the loan/lease is held by a bank/financial institution.

Auto insurance helps in providing a financial cushion against any losses that may be incurred due to an accident or other unforeseen events. Shawn Camp Insurance Agency, Inc. offers a wide range of auto insurance coverage options. The insurance buyers can also opt for personalized insurance to meet individual requirements. To know more about auto insurance in Killeen, contact Shawn Camp Insurance Agency, Inc. 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX - 76542. You can also log on to or call (254) 526 – 0535.

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What is Uninsured and Underinsured Motorist Auto Coverage

by Administrator 15. November 2022 12:16

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Basic Guide to Motorcycle Insurance

by Administrator 29. October 2022 04:51

Bikes or motorcycles are more prone to risks and dangers. This calls for the suitable precautionary measures and coverage. Motorcycle insurance offers financial coverage against damages incurred due to accidents, vandalism, theft, third-party liability, natural calamity, and many more.

What coverages are provided as part of the motorcycle insurance policy?

Bodily Injury and Property Damage Liability

This covers damage to the other party in case you are the one at fault in an accident. In addition, motorcycle Insurance covers accident-related third-party liability, including property damage expenses and medical payments.

Comprehensive & Collision

A comprehensive plan covers expenses arising when your motorcycle is stolen or damaged in an accident (repair or replacement).

Uninsured/Underinsured Motorist

Uninsured/Underinsured Motorist coverage comes in handy when the defaulting party in an accident does not have an auto/motorcycle insurance cover (uninsured) or is insufficiently covered (underinsured). In addition, expenses incurred due to medical treatment and lost wages are covered under Motorcycle Insurance.

Medical Payments

Medical Payments coverage provides financial assistance by covering the medical expenses arising from the accident, irrespective of who is at fault. Medical payments have a specific limit up to which they can be availed.

Custom Parts & Equipment

In case motorcycle parts and accessories are not readily available in the market, Custom parts and equipment cover ensures that these accessories and parts can be replaced in the event of a motorcycle accident (limits can again vary depending upon the insurance plan you choose)

Roadside Assistance

Roadside assistance is on-ground assistance that covers the expenses of towing your vehicle to the nearest repair facility. It also covers the labor costs in case your motorcycle breaks down or has a mechanical failure while you are on the road. 

Shawn Camp Insurance Agency Inc. is an independent and reputable insurance agency that serves the residents across Texas, including the cities of Killeen, Copperas Cove, Gatesville and Harker Heights. Shawn Camp Insurance Agency Inc. offers protection for your assets and investments by specializing in home insurance, auto insurance, car insurance, RV & travel trailer insurance, motorcycle insurance, boat insurance, watercraft insurance, golf cart insurance, and renters insurance. The agency offers insurance policies that can accommodate each person's unique needs and budgets by providing a variety of insurance plans.

Browse through to choose the best coverage for your motorcycle insurance. You can also visit us at 2707 East Hwy 190, Copperas Cove, TX 76522.

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The Basics of Buying Insurance

by Administrator 26. October 2022 03:51

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