Why liability coverage is required by law

Every driver in San Antonio, TX, must possess liability coverage to operate a vehicle legally. This necessity is rooted in the driver’s legal responsibility for any damage caused by negligence. Versatile Insurance Planners help you understand the mechanics of liability coverage and how it can protect your finances after accidents.

Minimum Liability Coverage in Texas

  • Property Damage Coverage: $25,000
  • Bodily Injuries Coverage (Per Person): $30,000
  • Total Bodily Injuries Coverage (Per Accident): $60,000

Versatile Insurance Planners ensures all our insurance policies adhere to Texas’ liability coverage limits. High-cover option policies are also available.

Why is Liability Coverage Essential?

The after-effects of car accidents can majorly impact your finances, with huge sums spent on vehicle repairs and medical treatment for the injured. Liability coverage safeguards the driver from bearing these costs directly. Instead, insurance claims and injury lawsuit costs are covered by your insurance provider, minimizing individual financial responsibility.

Contact Versatile Insurance Planners Today!

Interested in learning more about auto insurance in San Antonio, TX? Contact Versatile Insurance Planners today. Our knowledgeable team can assist with all your auto insurance queries and help customize a plan according to your needs.

Why Add Roadside Assistance to Your Auto Insurance?

When tooling around San Antonio, TX, you count on your auto insurance to provide the coverage you need in case of an accident. Did you know that auto insurance can also cover small items, such as flat tires and running out of gas? Adding roadside assistance covers these matters; you don’t need to join AAA to get it!

Adding Roadside Assistance to an Auto Policy

At Versatile Insurance Planners, we can help you add roadside assistance to your auto policy. Roadside assistance covers the cost of a tow truck in cases of a collision or other accident, plus when the insured experiences a vehicle breakdown that comprehensive and collision coverage does not cover. If you experience a flat tire, phone the toll-free roadside assistance number, and a local tow service will dispatch a truck to your location to either change your tire or tow your vehicle to a nearby tire service center.

Small Premium Increase, Big Coverage

Roadside assistance coverage costs little to add to an auto policy but provides an extensive service. No matter what causes your vehicle to break down, phoning the service will send help to your location. Across the USA, wherever you travel, your vehicle remains covered.

Contact Us for Roadside Assistance Coverage

If you live in San Antonio, TX, contact Versatile Insurance Planners to add roadside assistance to your auto policy. No matter how advanced automotive technology becomes, roadside assistance still provides personal service when you need it to solve big and small problems, such as flat tires or locking your keys in your car.

Auto Insurance Options

When it comes to auto insurance, our agents at Versatile Insurance Planners serving the San Antonio, TX area are on it. This is because you can lose your license if you are driving without at least an auto liability insurance policy in the state of Texas, but what other types of auto insurance coverage options are available?

Types of Auto Insurance Coverage Options

Auto Liability Insurance

Auto liability insurance coverage will protect you if you are involved in an accident that you cause and someone is injured, or their vehicle is damaged. This type of coverage will help pay for their medical bills and repair or replace their vehicle.

Uninsured and Underinsured Motorist Coverage

You never know when you’re going to have an accident with someone who has no insurance or very little. This is why it’s so important to have uninsured or underinsured motorist coverage. This type of policy will help you repair your vehicle and help pay for your medical bills if you’re involved in a crash that is caused by someone who does not have the right amount of insurance.

Comprehensive and Collision Insurance

No one knows what the future has in store for us. You could wake up tomorrow and see that a tornado or hurricane has completely destroyed your vehicle. Your vehicle can also catch fire or be damaged by an act of vandalism. Comprehensive coverage will help you repair or replace your vehicle if any of these incidents occur or if your vehicle is stolen.

Collision insurance coverage is imperative to have because you never know when you’re going to collide with another vehicle or an inanimate object.

A lender may require both of these types of insurance coverage options if you had to borrow the money to purchase your vehicle.

Contact Versatile Insurance Planners

Our experienced and trustworthy auto insurance agents at Versatile Insurance Planners serving the San Antonio, TX area are ready to assist you with all of your auto insurance needs. Call today for an appointment!

Common Myths about Auto Insurance

Driving a vehicle requires that you have auto insurance. If you’re new to driving, you may be confused by misconceptions you’ve heard about auto coverage. Before purchasing a policy, you need to separate auto insurance facts from myths you may have heard from fellow drivers. That’s what Versatile Insurance Planners in San Antonio, TX has done with this article.

Myth: If a friend crashes your vehicle, his insurer will cover the damage.

Auto insurance follows the car, not the driver. If you loan your car to a friend, and he has an accident, your insurer is responsible for damages. For this reason, it’s best to limit the times you loan your vehicle and only to safe drivers.

Myth: Red vehicles are more expensive to insure.

The color of your vehicle has no bearing on insurance costs. However, Your insurance company will take your car’s make, model, and year into account when considering your premium, age, driving experience, and lifestyle.

Myth: Minimum auto coverage is enough.

Minimum auto coverage may satisfy the legal requirements for driving in your state, but it won’t cover your injuries or damage to your vehicle if you’re involved in an accident. If you’ve taken out a loan for your car, your lender may require more than minimum liability coverage. We also recommend purchasing more than minimum liability coverage to protect your assets from serious auto accidents you may cause.

Myth: Older drivers pay more for auto coverage.

On the contrary, older, more experienced drivers are often eligible for insurance discounts, especially if they’re retired and have good driving records.

Myth: Your auto insurer can drop you at any time.

Unless you’ve committed fraud or stopped paying for your policy, your insurer can’t cancel your coverage before its term ends.

Contact Versatile Insurance Planners in San Antonio, TX for quality auto coverage you can trust.

Get More Miles Out of Your Car With These Maintenance Tips

Everyone wants to get more mileage out of their gas these days. Did you know that your car maintenance habits can greatly impact your mileage? Here at Versatile Insurance Planners, serving San Antonio, TX, and the surrounding areas, we want to help you make the most of vehicle ownership. Keep reading to learn more. 

Stay Up To Date On Oil Changes

Keeping your oil changed regularly will have a significant impact on gas mileage. When your oil is changed regularly, every part of your engine will run more efficiently. An efficiently running engine will use less gas daily. 

Keep Tires Properly Inflated

The air pressure in your tires can also significantly impact your gas mileage. When properly inflated to the recommended PSI, tires can carry the vehicle’s weight more evenly. Over time, this will be reflected in the gas mileage. 

Address Engine Problems Quickly 

If your vehicle is experiencing any engine problems, you should have these issues looked at quickly. Allowing an engine problem to go unrepaired will make the engine work harder and harder over time. This will ultimately use more and more gas to take you the same distance. 

Keep Out Clutter 

Keeping your car cleaned out can also affect gas mileage. If you allow a lot of clutter to build up in your vehicle, bed, or truck, the additional weight will affect gas mileage. Keep your vehicle clean to save on gas. 

To learn about auto insurance, please get in touch with us at Versatile Insurance Planners serving San Antonio, TX, and the surrounding areas. We will be happy to answer your questions today. 

The difference between collision and comprehensive insurance

Regarding car insurance, there are two main types of coverage: collision and comprehensive. Collision insurance covers damage to your car when you hit another object, like a tree or another vehicle. Comprehensive insurance covers damage to your car from other sources, like vandalism, theft, or a natural disaster.

Both types of insurance are important for protecting your car, but they offer different levels of protection. Here’s a look at the difference between the two types of coverage and when you might want to choose one over the other.

One significant difference between collision and comprehensive insurance is that collision coverage only covers damage caused by a collision with another object. At the same time, comprehensive insurance also covers damage from other sources. For example, if your car is damaged in a fire or stolen by a thief, you typically file a claim with your comprehensive insurer to cover the repairs or replacement.

Additionally, collision insurance typically costs more than comprehensive coverage, as it provides more extensive protection. However, if you are involved in an accident and your car is declared a total loss, your comprehensive coverage may help cover the cost of replacing your vehicle.

Ultimately, choosing between collision and comprehensive insurance will depend on your needs and driving habits. If you are primarily concerned with protecting your car from damage caused by collisions, then collision coverage is a good option. On the other hand, if you also want to be protected from damages from natural disasters and theft, comprehensive insurance may be a better choice.

Call us at Versatile Insurance Planners today if you have any questions about your coverage. We proudly serve the San Antonio, TX area.

Does Auto Insurance Cover Vehicle Damage Caused By a Flood?

Having the right insurance policies in place can help to cover you in case the unexpected happens. While no one wants a flood to happen, floods can happen for several reasons. If a flood occurs in your town, you may wonder if your auto insurance policy covers vehicle damage caused by a flood. Versatile Insurance Planners, serving the greater San Antonio, TX area, wants to help you understand the answer to this question. 

Does Auto Insurance Cover Vehicle Damage Caused By a Flood?

Your auto insurance policy may cover vehicle damage caused by a flood. A comprehensive insurance policy is key to ensuring flood damage will be covered. If you only have minimum insurance, your automobile is not covered by damage, including flooding. If you carry comprehensive insurance, your vehicle will be covered. 

What Else Should I Know? 

If a flood damages your car, there is a good chance that your car will be totaled. Flooding can cause a lot of damage to your vehicle, including damage to the engine and damage to the interior of your car. Flooding can also cause a car to rust or can lead to mold growth in the vehicle. As such, if your car was involved in a flood, you may want to think about the value of your vehicle, as there is a good chance the car will be totaled. 

The best way to ensure that your vehicle is fully protected from unexpected events, including flooding, is to have the right insurance policies in place. Here at Versatile Insurance Planners, serving the greater San Antonio, TX area, we can work with you to ensure you have the right policies in place. Call us today to discuss your auto insurance needs. 

An Unexpected Accident Can Disrupt Your Life and Finances – Don’t Let it Happen

Do you live in San Antonio, TX? Versatile Insurance Planners can explain why automobile insurance is a must. New Hampshire and Virginia are the only two states in the country where it is not required. While it can play havoc with your life and finances, there are other reasons why it is so important.

  • By Texas law, drivers are required to show proof they can pay for accidents they cause. If you get stopped by a policeman or highway patrolman, you could get jail time or at least a hefty fine. Law enforcement is not very forgiving of an uninsured driver.
  • Liability insurance will pay for repairs or replacement of the other driver’s vehicle or damaged property and their medical expenses if you are at fault.
  • You will be compensated if you are injured, or another driver damages your car.
  • Your car will be repaired regardless of who is at fault.
    • Comprehensive insurance covers damage resulting from theft, floods, vandalism, falling trees, animal encounters, and more.
    • Collision insurance will cover the cost of replacing or repairing your vehicle if you cause an accident or if the other driver has no insurance.
  • If an accident is your fault, liability insurance will protect your assets. With no insurance, it is possible to lose your home.
  • For any passengers in your vehicle that may be injured, insurance will cover their medical bills if you are found to be at fault.
  • Finally, automobile insurance can provide peace of mind as it protects you and your financial future.

It is important to note that in an insured driver accident, everyone suffers – not just the uninsured driver. The only winners in an uninsured motorist claim are the attorneys.

If you want the assurance you will come out of a potential encounter with another vehicle intact, the insurance professionals at Versatile Insurance Planners in San Antonio can explain how. Contact them today.

Texas auto insurance: what you need to know

San Antonio, TX drivers can rely on Versatile Insurance Planners for their insurance needs. If you’re getting ready to buy a car or want to take a look at the available options, we can help. Reach out to our team today and set up an appointment to find out more.

Auto insurance information for Texas drivers

Finding the right insurance for your unique needs can be a challenge. But, once you get a better feel for what your needs are and how insurance can help meet them, the process becomes a lot less stressful. The main considerations that you will need to make are:

  • Amount of coverage – the value of your car determines this, how much medical expense coverage you want to have, and how much liability protection you want to carry.
  • Deductible – typically, the higher your deductible, the lower your premiums, and vice versa. Budgetary concerns can often drive these decisions.
  • Features and add-ons – if you want to include features like roadside assistance or car rental reimbursement, you will want to know how that will affect your premiums. 

Once you have narrowed down your needs, it becomes easier to review the policy options that are right for you. If you are feeling overwhelmed, it can help to talk to a local agent who can help guide you through the process. It’s worth the time to find the right policy!

Find out more today!

Versatile Insurance Planners is here to help the greater San Antonio, TX area with all of its insurance needs. If you have questions about auto insurance, we are here to answer them! Give us a call today and find out more!

What are the Minimum Automobile Insurance Requirements in Texas?

In Texas, drivers must carry auto insurance with property damage and bodily injury protection. Drivers who cause an accident must bear financial responsibility for any damages in the event of a car accident. In most cases, insurance providers pay for the cost of damages caused by the holder of the policy.

To learn more about the minimum coverage requirements in San Antonio, TX, contact our team at Versatile Insurance Planners today.

Texas Minimum Liability Insurance Requirements

The minimum amount of insurance drivers must carry in Texas is $30,000 for bodily injury, $60,000 for bodily injury for two or more people, and $25,000 for property damage for each accident. "At fault" drivers must have these coverage limits to operate a motor vehicle on Texas roadways.

Additionally, drivers must carry proof of insurance in their vehicles. Law enforcement will verify that all drivers have adequate insurance during a traffic stop. If drivers don’t carry their proof of insurance, they’re subject to penalties and fines (especially if an automobile accident occurs).

Drivers can also choose the coverage that offers personal injury protection for a liability insurance policy. However, this coverage is not a requirement. Since liability policies only cover damage and medical expenses of those other than at-fault drivers, a personal injury protection policy would cover some of the at-fault driver’s expenses. Additionally, drivers can add collision coverage to help pay for vehicle damages.

Contact us today at Versatile Insurance Planners in San Antonio, TX, so we can help you learn more about your minimum liability insurance coverage options and the legal requirements for "at fault" drivers.