Must Have Insurance Coverage

by Administrator 25. October 2021 10:19

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Understanding Insurance Coverage Types In Killeen, TX

by Administrator 26. November 2020 14:21

Insurance coverage refers to the amount of risk/liability that an individual or entity can be protected from and offered compensation for, by an insurer in the form of an insurance plan. There are various types of insurance coverage to choose from, depending on your budget and personal requirement.

Listed below are types of insurance coverage offered in Killeen, TX:

Auto Insurance:

  • Bodily Injury and Property Damage Liability: The insurance coverage provides compensation for medical bills and damages caused to a person on the insured person’s property.
  • Comprehensive Auto Insurance Coverage: Covers damage to vehicles by incidents excluding accidents (vandalism, theft, fire, animal strike, weather damage, riots, etc). It provides compensation for repairs and replacements to a car/vehicle.
  • Collision Auto Insurance Coverage: Pays for damages to a vehicle due to collision with a vehicle or object such as a stationary object, pole, a car, etc.
  • Uninsured/Underinsured Motorist Coverage: Uninsured Motorist coverage covers expenses (lost wages, medical bills) due to an accident with an uninsured person whereas the latter provides compensation for property damage and medical costs that exceed the coverage limits of the person at fault.
  • Loan/Lease Payoff Coverage (Gap Insurance): Covers leased vehicles that are stolen but not recovered.
  • Medical Payments Coverage: Covers expenses on medical treatment of the injured party within 3 years of the accident.
  • Custom Parts and Equipment/Accessory Coverage: Covers auto equipment, accessories and devices that are permanently attached to a vehicle up to a basic limit but additional coverage can be purchased.
  • Rental Reimbursement: Coverage for a rental vehicle’s damage in an accident.
  • Pet injury Coverage: Provides compensation for a pet injured due to an auto accident.
  • Roadside Assistance: Covers mechanical breakdown, flat tire, lockout, insufficient fuel/gas supply, entrapment (in snow, water, sand or mud), and a dead battery.
Home Insurance: This insurance coverage includes compensation for loss of use, medical payments, personal liability and damage to the dwelling, personal property and other structures.

RV Insurance: This includes recreational vehicles such as motor homes, motor coaches, camper vans and travel trailers and the companions and valuables in the vehicles.

Motorcycle Insurance: This insurance covers bodily injury and property damage liability, comprehensive and collision coverage, uninsured and underinsured motorist coverage, medical payments, custom parts and equipment and roadside assistance.

Boat insurance: Includes sailboat insurance, jet boat insurance, boat insurance, house boat insurance, personal watercraft insurance and fishing boat insurance

Shawn Camp Insurance Agency, Inc. offers a wide variety of insurance coverage options in Killeen, TX. The customers can choose from auto insurance, homeowner’s insurance, motorcycle insurance, boat insurance, and RV insurance. For more details on insurance coverage types in Killeen, visit 2705 E. Stan Schlueter Loop, Suite 101 Killeen, TX – 76542. You can also call at (254) 526 – 0535.


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What Is Homeowners Insurance Declaration Page?

by Administrator 24. October 2020 07:26

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Insurance In Killeen:Need And Purpose

by Administrator 22. December 2018 12:07

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Updating Your Auto Insurance for 2012

by Administrator 17. January 2012 12:00

Auto insurance policies, when not planned out carefully, can have dangerous gaps in coverage that leave the policyholder at risk for financial problems after an accident, theft, fire or other insurable incident. This year, update your auto insurance policy to consider the following:

Is your limit on pace with car repair costs and value? Auto repair costs don’t always stay the same from year to year; labor, parts and shipping costs can all change drastically leaving you little actual recompense from your policy unless you adjust your limits. Work with your agent to determine what your limits should be based on these expenses and your Kelley Blue Book value.

Do you have enough coverage for the average liability claim? Your automobile coverage will offer you protection from both bodily injury and property damage liabilities, but will it offer you enough? Talk to your agent about a limit that gives you protection based on current-day claims averages and talk about the possibility of adding an umbrella policy for your auto and home liabilities.

Do you need uninsured motorist coverage? You may be insured, but that doesn’t mean every motorist on the road is. Uninsured or underinsured motorist coverage supplements your damages when the person who causes your accident doesn’t have the insurance policy to pay them.

Can you reduce your overall risk exposure? If you’ve just gotten state-required coverage then you’re doing little to protect your own interests in an accident. Without collision and comprehensive you could be exposed to financial losses after an accident, theft, vandalism, fire or other natural disaster.

How affordable are those deductibles? Make sure your deductibles are still practical for your lifestyle. After a job loss, big expense or other life change, large deductibles can become a greater burden than they initially were.

Do you need to add roadside assistance? A breakdown, flat tire, or depleted gas tank can happen to anyone. If you don’t currently have roadside assistance on your policy, don’t wait until you wish you did before you add it.

Should you add loss of use? If you can’t use your car after an insurable incident damages it, how are you going to run errands, get to work and bring the kids to school? With loss of use coverage, your auto policy can keep you on the road by paying your emergency rental car expenses.

We have all the tools you need to compare premiums, set limits and deductibles and choose coverage options. Give us a call to complete your annual auto insurance review and you can start 2012 out on the right foot.

Call us today at (254) 526-0535 to make sure your car insurance in Killeen Texas is up to par or visit our office.

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