Property and Casualty Insurance in North Texas
Should I purchase the Loss Damage Waiver offered by the rental agent when I rent a vehicle? This is a great question, and one that our customers ask frequently. Whether you rent a vehicle for personal use while on vacation, or as a substitute while your vehicle is out of commission for repair or service, or for business use while out of town, Continue Reading …
The experience rating modifier is the one area where an employer’s efforts can significantly reduce insurance premium cost. Experience rating is the interaction of claims management and workers compensation insurance pricing. An organization that controls its losses also controls its experience modifier and ultimately is responsible for higher or Continue Reading …
My teenager just received a license to drive. Do I need to add him/her to my policy now? Will it increase my premium? The short answers are “yes” and “yes.” Most personal automobile insurance policies written in Texas extend liability coverage to anyone using a covered auto with your permission, including children when they begin to Continue Reading …
I am taking my family on vacation this summer and we may travel to a foreign country. Will I need any special insurance to cover my personal property and liability? Vacations, whether taken in the summer or the winter, can pose unusual risks you don’t encounter every day, especially when you travel out of the country. If your fishing skills Continue Reading …
Do I need special coverage for my GPS, DVD player and other electronic equipment in my vehicle? This is a great question, and one that our customers ask frequently. Americans have developed a love affair with their electronic toys. TVs, DVD players, GPS devices, satellite radio receivers, VCRs, CD players, computers, tape decks, and stereos Continue Reading …
If you own a house that is located along the ocean, bay or within a coastal county, your home may be vulnerable to wind damage caused by a hurricane or Nor' Easter. It is important to take preventative measures to help protect your family, home and possessions. Here are some things you can do: Measures to Consider if Renovating or Building a Continue Reading …
Earthquake damage can be mitigated if you and your family take precautionary measures. Here are some steps you can take before, during and after an earthquake. Before an Earthquake Have a licensed contractor check your chimney(s), roof and wall foundations for stability. Make sure your home is bolted to the foundation. Secure your water Continue Reading …
You should have an amount of insurance that is sufficient to either rebuild your building (“replacement cost coverage”) or purchase a similar building at another location suitable for your business (“actual cash value coverage”), in the event it is totally destroyed by a fire, tornado, hurricane or other insured catastrophe. One of the Continue Reading …
My employees use their personal vehicles for business purposes. Is it OK to add their vehicles to the company business auto policy? This is a great question that our customers ask frequently. In a word, no. It is generally not a good idea to add an employee’s personally-owned vehicle to the business auto policy. The best advice we can give Continue Reading …
I want to thank Swingle Collins & Associates for the excellent and professional way you have handled my personal insurance needs. I certainly appreciate the reduction in my annual premiums with additional coverage. I am looking forward to the personable service you have offered concerningclaim, service, or just a questions regarding my Continue Reading …