Exploring The Benefits Of Modified Auto Insurance

D&B Insurance Solutions is an independent insurance agency. We work closely with our clients to help them find coverage that aligns with their individual needs. We offer multiple types of coverage that are designed to assist our clients in every situation. We proudly serve the Dallas, TX community.

Exploring The Benefits of Modified Auto Insurance

Operating a vehicle is a high-risk endeavor due to the unpredictable nature of road conditions. Auto insurance is a safety net. Auto insurance covers you in multiple situations. You are covered if your vehicle suffers damage through colliding with another vehicle or object. You are also covered if your vehicle is stolen or vandalized. Liability coverage protects you if you are ruled to be at fault for any damages caused by your vehicle. Liability coverage also covers an injured passenger’s medical treatment. If you opt for comprehensive coverage, you are protected if your vehicle suffers damage due to a fire or inclement weather.

The Dallas, TX area hosts multiple car shows and exhibits. Many people enjoy customizing their vehicles. If you have made some changes to your vehicle, research modified insurance. Modified insurance is a policy tailored to the specific needs of your custom vehicle. A modified policy is the only way to ensure that your upgrades are fully covered in the event of an emergency. Modified insurance covers popular vehicle upgrades such as an enhanced navigation system, custom rims or wheels, and a high-end engine. Consider adding storage coverage to your policy. Perhaps you only plan to drive your modified car on a limited basis. That means it will be in storage most of the time. Storage coverage protects your vehicle if anything happens to it while it’s parked.

D&B Insurance Solutions Will Help You Protect What Matters Most

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Should You Bundle Your Home and Auto Insurance?

When shopping around for home and automobile insurance, you may get asked if you want to bundle them together. This may be a good idea, though there are also times when you may not want to do so. 

Here are some reasons why you may want to bundle your home and auto insurance.

  • You may get a discount for bundling. Most insurance companies allow you to save up to twenty-five percent on your premiums. 
  • You may only be required to pay one deductible. Your insurance company may only give you one deductible to meet for both policies. This often means that you have a lower overall deductible. 
  • You are less likely to be dropped by your insurance company. Some companies will drop their clients if they submit too many claims. However, you may be less likely to be dropped if you rely on them for more than one policy. 

Here are some reasons why you may not want to bundle your home and auto insurance.

 

  • You may not be as quick to compare prices for insurance companies. You may be excited by the thought of saving money when bundling. This may lead you away from price shopping. You could end up spending more money, even with a discount. 
  • You may also forget to continue to shop around. Many people love to stay with the same company for years. However, they can slowly raise their rates, and you may not even notice! 

Only you can decide whether you want to try bundling your home and automobile insurance. If you need some assistance in Dallas, TX, don’t hesitate to contact D&B Insurance Solutions today. 

Comprehensive Auto Insurance Benefits

D&B Insurance Solutions is an independent insurance agency. We work with multiple carriers throughout the Southwest. We pride ourselves on helping our clients find the right policy when they need it most. We will sit down with you and assess your situation. Once we have an idea of your needs, we will help you find a policy tailored to your interests.

Comprehensive Auto Insurance Benefits

Auto insurance helps keep you safe as you travel around the Dallas, TX community. Collision coverage protects you if you make an impact with another vehicle. Liability insurance covers you if you are ruled to be responsible for an accident injuring someone or causing damages. Comprehensive coverage is another option. Here’s a look at the benefits of comprehensive auto insurance.

Protects You In Unique Situations

Consider you are driving early in the morning or late at night and an animal approaches your car out of nowhere. If you hit a large animal such as a deer, that can do extensive damage to your vehicle. Comprehensive insurance covers you if your vehicle suffers damage in this situation.

Severe Weather

Dallas, TX is known to have severe weather at times. Comprehensive insurance gives you peace of mind if your vehicle suffers a cracked windshield due to hail or a tree falls on your roof. Comprehensive coverage also covers you if your vehicle is damaged in a fire or flood.

Covers Stolen Vehicles

Being a victim of car theft can be heartbreaking. Luckily comprehensive insurance offers a safety net if that happens. In addition to covering your stolen vehicle, comprehensive coverage also covers a rental while your vehicle is being repaired, or you are looking for a replacement.

D&B Insurance Solutions Will Help You Cover Your Assets

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Stay Legal With Auto Insurance in Texas

In Texas, certain types of auto insurance are required, and every Texas driver must show proof of this coverage when asked by law enforcement. It’s important to get the right auto insurance and to keep it in place for as long as you drive. There are a lot of penalties for those who don’t have insurance, and proof of it, when asked. If you don’t yet have auto insurance, give us a call today at D&B Insurance Solutions in Dallas, TX to stay legal.

Liability Auto Coverage

Texas requires drivers to have a few different amounts of coverage for liability in order to stay legal. This includes bodily injury liability and property damage liability. There are two different amounts required for bodily injury coverage. This includes one amount for one person who is injured and another amount for two or more people who are injured. This coverage applies to someone else’s medical bills, not yours, and in the event that you caused the accident. Property damage liability also covers an accident that you caused and covers the damage done to someone else’s property. 

Other Coverage Types

Texas has a unique system of auto insurance coverage that includes automatic coverage types on everyone’s policies as well as the required liability coverage. These automatic coverages are not required by law in order to stay legal, but you will have to notify the insurance company in writing if you don’t want those coverages and want to cancel them. However, it is recommended that you keep them to stay better protected. One of the automatic coverages is personal injury protection. This pays for your medical bills, and your passengers’, if someone else’s coverage doesn’t pay for them. There is also uninsured motorist coverage. This pays for medical bills when the other driver, who causes the accident, doesn’t have the insurance to pay for them. 

Stay Legal

To remain a legal driver, give us a call at D&B Insurance Solutions in Dallas, TX to get your auto insurance. 

Carrying Auto Insurance in Texas

In Texas, every driver must have auto insurance and carry proof of that insurance. If you are asked to show it, you must comply, or you may be given serious penalties. Auto insurance in the state comes with both required auto coverage that every policy must have and automatic coverages that all policies come with. If you don’t have the auto insurance that you need in Texas, call us now at D&B Insurance Solutions in Dallas, TX. 

Required Liability Auto Coverage

There are different coverages required under the umbrella of liability coverage. There is a set minimum amount that you must have in bodily injury liability for just one person injured in an accident that was caused by you. There is a different, higher set minimum that is for everyone who is injured. There is also an amount required for the property damage done to someone else’s property that was caused by an accident you caused. All Texas auto insurance policies must have all three of these amounts in them.

Automatic Auto Coverage

In Texas, there are also automatic coverages that come with every policy, but these coverages are not actually required by law. Though they do come with your policy, you can opt-out of them by notifying the company in writing that you want to remove them. These include uninsured motorist coverage as well as personal injury protection. Uninsured motorist coverage can protect you when you are the victim of a hit-and-run or when you are hit by someone who has broken the law and has no insurance. Personal injury protection protects you when someone else’s insurance does not pay for your medical bills after an accident. 

Get Protected With Auto Insurance

When you don’t have the right auto insurance, you can face a lot of fines and other penalties from the state. If you need auto insurance, call us now at D&B Insurance Solutions in Dallas, TX.

How Much Car Insurance Do You Need?

When you drive in Texas, you need a number of different auto coverage types in order to be well-protected against accidents and the bills they can generate. There are a few types that are required by the state, and there are others that aren’t required but that offer good protection in case of an accident. If you need auto insurance in the state, give us a call at D&B Insurance Solutions in Dallas, TX.

Required Insurance Types

In Texas, both property damage liability and bodily injury liability are required by the state. Both of these coverages come with their own minimum amounts. These amounts are relatively low, and it can be helpful to get more coverage than the state requires. For property damage liability requirements, there is a set minimum amount that is set by the state. For bodily injury liability, there are two amounts required. The first is a set minimum amount for one person who is injured. The second amount is a set minimum for two or more people who were injured and have medical bills. 

Automatic Auto Insurance Coverage

While those two types of coverage are mandated by the state, there are two other types of coverage that will appear on your auto policy, but they aren’t required by law. These two coverage types appear automatically on your auto policy, but you don’t have to keep them. While it’s recommended that you leave them on your insurance, you can ask in writing that they be canceled, and they will be. 

These types of coverage are uninsured motorist coverage and personal injury protection. Uninsured motorist is exactly what it sounds like- it can pay your medical bills if the person who caused the accident doesn’t have insurance. Personal injury protection pays for your medical bills when the other person’s insurance doesn’t. 

Get the Insurance You Need

Call us at D&B Insurance Solutions in Dallas, TX to get the insurance that you need to stay legal in Texas. 

How Much Auto Insurance Do You Need in Texas?

Like other states, Texas mandates the type of auto insurance coverage that drivers must have. It’s required that you have at least the minimum amount of coverage required and that you always carry proof of this coverage. There are stiff penalties for drivers who don’t have the required insurance coverage. If you don’t have the auto insurance you need, give us a call today at D&B Insurance Solutions in Dallas TX.

Required Liability Coverage

There are two types of liability coverage that are required and three amounts that must be included. The first is for bodily injury liability for one person who is injured in an accident that you are the cause of. The second is a separate amount mandated for everyone who is injured in an accident Kath you are the cause of. The third requirement is a minimum amount for property damage liability. This pays for the damage done to someone else’s property in an accident that you caused. 

Automatic Coverage

The liability coverages that are required are technically the only types that are mandated by the state. However, in Texas, there are also two types of automatic coverage. These two coverage types are automatically added to your auto insurance, and you have to go through a few steps to get them taken off if you don’t want them. These coverages include personal injury protection and uninsured motorist. Personal injury protection pays for the medical bills that you and your passengers have if the other motorist does not pay for those expenses. An uninsured motorist policy protects you in case an accident is caused by a motorist without insurance. Both of these insurance types are useful, and both keep you better protected than only keeping the mandatory coverage types. 

Get Insured

If you don’t have the auto insurance you need, don’t wait to call us at D&B Insurance Solutions in Dallas, TX.

Auto Insurance Requirements in Texas

If you are a driver in Texas, there are certain types of insurance that you are required to have to prove that you can be financially responsible for an accident. There are two different types of auto coverage that Texas drivers need to have in their auto insurance. If you need auto insurance, call us at D&B Insurance Solutions in Dallas, TX to find out more. 

Bodily Injury Coverage

This form of liability coverage covers other people who are injured in an accident that you caused. This coverage must include at least a set minimum amount of coverage for one person who is injured in the accident. Then, you must have at least a different minimum amount for everyone in the accident who was injured. This coverage doesn’t cover you for any injuries that you may have. And, the state has relatively low amounts of bodily injury liability required, so it’s often recommended that you get more than is required by the state. 

Property Damage Coverage

Texas drivers must have at least a set minimum amount for property damage that happens as a result of an accident that you cause. This does not pay for your own property damage. There is other coverage that you can get that would pay for that damage, though it is not required. The property damage liability amount required, as the bodily injury coverage, is too low for many serious accidents. It’s a good idea to get more than is required. 

Optional Coverage

Getting collision coverage would pay for the damages done to your own vehicle in an accident that you caused. Getting comprehensive insurance covers your vehicle for a number of risks that can occur when you aren’t driving it. 

Get Covered

If you need auto coverage in Dallas, TX, give us a call at D&B Insurance Solutions.

How Auto Insurance in Texas Works

When you drive in Texas, you are required to have at least the minimum amounts of coverage that is mandated by the state. It is required that you carry proof of your coverage and that you show it to a law enforcement official when asked. Without the right coverage, you could be given fines and fees. If you need auto insurance in Dallas TX, call us now at D&B Insurance Solutions.

Liability Coverage

There are a few minimum amounts required for liability coverage in the state. These include a set minimum amount for one person who is injured in an accident that is caused by you. There is another, higher, amount of coverage that you must have for everyone who is injured in the accident. In addition, you must have at last the minimum amount required for property damage liability. This pays for the damage done to someone else’s property, whatever that may be, in an accident that is caused by you. All of these amounts are relatively low, however, and it could be a good idea to get coverage beyond the required amounts.

Other Insurance Types

If you want additional coverage for your vehicle, you can get coverage types that pay for the damage done to your own vehicle in a number of different circumstances. Collision coverage is a type that pays for your own property damage in an accident that you caused. Comprehensive insurance pays for a number of things that can happen to your vehicle when it is not being driven. 

Get Auto Coverage

When you need auto insurance for one or more vehicles, don’t go without the required coverage. Give us a call at D&B Insurance Solutions in Dallas, TX to find out more. Staying insured can save you financially as well as making you legal to drive in Texas. 

How Much Texas Auto Insurance Do You Need?

Getting auto insurance in Texas is mandatory, and the state has specific types of coverage, and various amounts, that must be in your auto policy. To make sure that you are driving legally, be sure to get your auto insurance if you haven’t gotten it yet. To get started, give us a call at D&B Insurance Solutions in Dallas, TX.

Automatic Coverage Types

In Texas, there are required coverage types as well as automatic coverage types. The automatic coverage types are automatically put onto your policy when you buy it. They are not specifically required by law, but they are on every Texas policy unless you decide to cancel those types in writing. These policy types include personal injury protection and uninsured motorist coverage. Your personal injury coverage is there to protect you by paying for your medical bills if another driver doesn’t cover them. Uninsured motorist coverage protects you when a driver without insurance, or a hit-and-run driver, causes an accident with you and you have medical bills that result from it. These two coverage types are important for keeping you well-protected, and it’s generally recommended that you leave them in place.

Required Insurance Types

There are two kinds of required insurance coverage with three required amounts. The first is bodily injury liability coverage, and two amounts are needed for this. One is an amount for one person who is injured when you cause an accident, and the second is an amount for all of the injured people when you cause an accident. There is also property liability coverage required. This pays for a third party’s property damage after you cause an accident. 

Get Auto Insurance Coverage

If you don’t have the required auto coverage, you aren’t driving legally. Get legal by calling us at D&B Insurance Solutions in Dallas, TX.