If you have a history of accidents, moving violations, or tickets, your insurer may be less likely to provide you with a policy. 

Some policies may not be available if you do not meet a minimum age requirement or your motorcycle does not have liability insurance. 

Many policies also require that you have a certain amount of experience on your motorcycle. Versatile Insurance Planners in San Antonio, TX can help if you’ve questions. 

What’s Involved in Motorcycle Insurance Denial 

Motorcycle insurance is not one-size-fits-all, and every policy comes with specific terms and conditions that must be met to be insured. To be granted a policy, the insurer will likely request information about your riding history, bike, and driving record. 

If you have declined coverage or your premium is significantly higher than other drivers, know that you may have violated one or more of these conditions.

The most common reasons for denial of motorcycle insurance are driving violations, a lack of motorcycle experience, and insufficient proof of liability insurance. Other causes may include:

• For drivers under the age of 21, most insurers will require a parent or guardian to sign an endorsement on the policy
• For drivers over the age of 69, most insurers will require a doctor’s statement to sign an endorsement on the policy 
• For drivers with a record of DUIs, most insurers will require a doctor’s statement to sign an endorsement on the policy 
• Most insurers will require a doctor’s statement to sign an endorsement on the policy for drivers with a record of reckless driving violations.
• Most insurers will require a doctor’s statement to sign an endorsement on the policy for drivers with gaps in their insurance coverage.
• You may also be denied insurance if you have multiple DUI or DWI convictions.
• If you have multiple tickets or an at-fault accident on your driving record, you may not be able to get motorcycle insurance. 
• If you have had your car repossessed, you may not be able to get motorcycle insurance. 

Parting Thoughts 

You may be denied motorcycle insurance if you have a habit of reckless or unsafe driving. Habitual offenders are not welcomed in the insurance market, and this is especially true for motorcycles. 

If you have a DUI or DWI conviction on your driving record, you will have a more challenging time getting motorcycle insurance. 

Also, without experience, you may not get motorcycle insurance. For inquiries and help, consult the San Antonio, TX firm, Versatile Insurance Planners.

The San Antonio, TX area continues to experience growth and improvements in the local economy. This can make it a great community to invest in and start a business. While a lot of value comes with business ownership here, you will need to have the right insurance to mitigate various risks that come with owning a business. There are multiple reasons that a business will need to have this coverage for your business. 

Comply with Requirements

Businesses in this area of Texas will need to have coverage because they will have various insurance requirements. Many who choose to start a business will take out loans, raise capital, and sign other agreements that will mandate they maintain certain types and levels of coverage. If you get the right insurance in place, it can ensure you remain appropriately covered. 

Ensure Business is Covered

Another reason that a business owner should get a commercial insurance plan is to ensure their company is appropriately covered. There are various forms of coverage included with a commercial insurance plan. This includes offering liability insurance and giving coverage to protect all of your core assets. Ultimately, if there is a challenging situation that results in a loss, this coverage can help protect your business’s solvency.

A business that operates in the San Antonio, TX area will always find that having proper commercial insurance is a good idea. When you are looking to get insurance for your business, calling the team with Versatile Insurance Planners is a great option. The professionals with Versatile Insurance Planners understand the value of this coverage, and they can provide the guidance you need to build your next plan and policy. 

San Antonio, TX area motorcycle riders can rely on Versatile Insurance Planners for all of their insurance needs, including motorcycle policies. We want to ensure that our friends and neighbors have the protection they need when they’re out riding their bikes! We provide comprehensive policies, primary policies, and just about everything in between!

Benefits of a comprehensive motorcycle insurance policy

Basic motorcycle policies typically offer the bare minimum of coverage. Motorcycle riders who have recently upgraded their bikes may also want to look into upgrading their motorcycle insurance policy. One of the main benefits of a comprehensive motorcycle policy is the additional protection and coverage for injuries that require medical attention.

Additionally, it’s important to cover your bike from loss, theft, or damage. There is also protection available for coverage in the event of an accident that involves an uninsured driver. Oftentimes, it is much better to be over rather than underinsured. These are just a few of the many great benefits that a more comprehensive motorcycle insurance policy can provide.

Your local agent can go over the available options with you as you determine what type and level of coverage are appropriate for your needs. It is also a great idea to have your bike policy reviewed on a regular basis to make sure that your coverage keeps pace with your needs. 

Let us help with all your motorcycle insurance needs!

Versatile Insurance Planners San Antonio, TX is here to provide you with the information necessary to inform your insurance decisions. There are many benefits to comprehensive motorcycle insurance policies. Call or stop by our office to find out more!

Winters have been chilly down in San Antonio, TX, so you may not be riding your motorcycle as much during the colder months. Versatile Insurance Planners know that everybody could use an extra dollar or two, so you might be considering how to lower your insurance bill for a vehicle you’re using less.

Don’t Drop Your Insurance

Always keep your motorcycle insured. First, your motorcycle is still vulnerable to theft, fire, and other damage while in storage. Getting into a new policy can take time once riding season comes around again, and you might forget that you canceled it with the intent of renewing it later. Saving a small amount is not worth it compared to the potential damage from a stolen bike or riding without insurance.

Options for Variable Coverage

Although you shouldn’t drop motorcycle coverage, your insurance provider will likely have options to reduce your coverage based on your usage. That way, you can keep coverage like theft and fire while avoiding the costs of active usage.

Depending on the provider, the lessened coverage may be something that you discuss with them as needed, or they could have lay-up policies with a preset time period where your bike is expected to be in storage. Some versions might allow you a limited amount of collision and other on-the-road coverage in case you need to use the bike on occasion. The versatility of insurance makes it difficult to tell you all your options without more details, but you can expect a demonstration of lower risk to have some sort of benefit.

Ask an Agent for Help

Insurance agents like us at Versatile Insurance Planners help consumers understand their choices and find a provider with the insurance options that suit their needs. Residents of San Antonio, TX and surrounding Bexar county can contact us at any time.

Texas has more than 2.6 million small businesses. In fact, 99.8 percent of all businesses in Texas are small businesses. Each year, thousands of new businesses open, and many of them struggle to stay open. Multiple challenges and hazards face small businesses and, with the right commercial insurance, you have a better chance to save your small business. In San Antonio, TX,  Versatile Insurance Planners has an experienced team that will work with you to customize your commercial insurance for your business. 

Protect your business

If your location suffers damage, think burst pipe, fire, or theft it could put you out of business. If you have commercial insurance, you may still have to close down for a couple of days while repairs are done and supplies are replaced, but you will still be able to do business. If you don’t have insurance, unless you have a lot of cash or credit, you will be out of business potentially forever. 

Surviving a legal suit

If your small business gets sued, how would you get the legal advice that you need to fight the action against you? You can be sued by a client, a vendor, a customer, or even an employee. How would you pay a judgment against you? If you have commercial liability insurance, it will help you to survive the worst-case scenario.  

Business interruption insurance

When a covered peril happens to your business, you may not be able to conduct business for a period of time. When you aren’t doing business, your income flow stops but, unfortunately, your expenses do not. With business interruption insurance, you will be able to pay your bills and to give your employees and yourself a salary. It definitely can save your business.

Contact Versatile Insurance Planners in San Antonio, TX when you are ready to protect your small business. 

Those that live in the San Antonio, TX area know how large the metro area is. Due to this, having a reliable and efficient mode of transportation is important. A motorcycle can be a great option for those in this part of Texas due to the great weather, which makes it a practical option for most of the year. If you get a motorcycle, you should get insurance for a few reasons. 

Cover Motorcycle

A reason you should get this coverage is so you can protect your motorcycle. Anyone that is going to buy a motorcycle will be making a purchase that they will want to cover and protect. When you invest in a full insurance plan for the motorcycle, you will know you are protected if the bike is stolen or you are involved in an accident. 

Legal Compliance

You should also get an insurance plan for your motorcycle to ensure you remain in legal compliance. Similar to other states, drivers here are required to carry liability insurance if they want to drive a motorcycle on a public road. With this coverage, you will know that you have the ability to cover damages in an auto accident. If you do not have this insurance, you will not have the protection and will also be out of compliance with the law. 

Motorcycle owners in San Antonio, TX will need to have the right insurance. As you are looking for a motorcycle insurance policy in this area of Texas, calling Versatile Insurance Planners can be helpful. There are different factors to consider when you are looking for motorcycle insurance and the Versatile Insurance Planners can help you build a plan that will give you the right protection. This will ensure you remain properly covered and can continue to enjoy your motorcycle. 

The thought of losing everything in your home, and your home itself to a flood, makes most people’s blood run cold. In order to protect your investment in real estate, you need to have flood insurance. In San Antonio, TX, Versatile Insurance Planners is an independent agency. We are locally owned and operated, and we offer products from the top carriers in the business. We provide our customers with personalized service to fit their insurance needs. 

Flood insurance is available from the NFIP (National Flood Insurance Program). You can purchase it directly from the NFIP or you can purchase it through approved agents. Beyond that, other companies offer flood insurance not backed by the NFIP.  Two different types of policies are offered. The first type of insurance is building insurance and the second type is content. The NFIP insurance has limits on coverage, if you need more coverage than they offer, you can go with an insurance company providing that coverage. 

Building Flood Insurance Coverage

Building flood insurance covers the physical structure of your home. This includes the major systems, plumbing, heating, and electrical. It will cover your furnace, air conditioner, and water heater. Your foundation is included in this coverage and your roof. If you have a fuel tank, solar panels, or water tank, these are all covered. If you have a detached garage or deck this is also covered. Appliances like a built-in dishwasher, refrigerator, and stove are included. Flooring that is permanently attached like wall-to-wall carpet is covered as are built-in bookcases and cabinets. 

Contents flood Insurance Coverage

The contents insurance coverage helps you to replace things like your clothing, electronics, and furniture. Your washer and dryer, portable dishwasher, microwave, and window air conditioning units are covered. Rugs that are not permanently attached to the floor and curtains are also included. 

Contact Versatile Insurance Planners in San Antonio, TX to discuss the best flood insurance option for you. 

You enjoy the freedom that operating your own business brings, and you want to protect your business and the investment of time and money that you have spent. The commercial insurance agents at Versatile Insurance Planners in San Antonio, TX can assist you in determining which commercial insurance coverages you want for your business.

Commercial Auto Liability Insurance

In Texas, you do not have to obtain worker’s compensation insurance for your employees, but you do have to secure an auto liability insurance policy for any vehicles that are owned by your business. It is also a good idea to ensure that any vehicles that are used for business purposes also have an auto liability insurance policy in place as it is the law in Texas for all drivers to have it. This type of policy will cover any injuries or property damage that are caused by you or an employee in an accident.

Business Liability Insurance and Business Property Damage Insurance

Obtaining a policy that combines business liability and business property insurance is a great idea. This type of policy will cover any property damage or injuries to a customer or another person that is caused by your business or while at your business. This type of commercial insurance policy will also cover your business, equipment, and products if there is a fire, a natural disaster, theft, or vandalism.

There are several additional coverage options that you can obtain when creating your commercial insurance policy to provide you and your business with even more security and peace of mind, including insurance that will help offset the costs if your business suffers cyber-attacks on your computer system or data breaches.

To create a policy for you and your business and get it started today, call upon the commercial insurance agents at Versatile Insurance Planners in San Antonio.

Do I have to Carry Motorcycle Insurance in Texas, and if so, What is Required?

Residents who wish to operate their motorcycles in Texas are required by law to carry motorcycle insurance. Liability insurance is required by state law. Not all states require drivers to carry motorcycle insurance. However, most do. Versatile Insurance Planners of San Antonio TX are committed to educating motorcycle drivers about the state laws that govern motorcycle drivers. 

State Minimums for Motorcycle Insurance
As stated above, motorcycle insurance is a requirement for all Texas riders. Specifically, liability insurance is required to operate a motorcycle in the state of Texas. Drivers must meet the required state minimums for liability insurance in order to legally drive their motorcycles. Liability coverage requirements for the state of Texas are $30,000 bodily injury coverage per person in an accident. The property damage requirement is $25,000 per accident. 

What Happens if You Drive Without Motorcycle Insurance?
First of all, you are held financially responsible for any damage or injury to other people while driving uninsured. Plus, you forfeit the majority of any claims you could file for pain and suffering or injury. This doesn’t begin to cover any criminal charges you may sustain for injury, damage, or death to others or their property. Plus, it’s illegal to drive without liability insurance in the State of Texas. Generally speaking, you run the risk of facing several charges by not carrying the proper insurance to operate your motorcycle in the state of Texas. We take pride in creating clarity when it comes to state laws that govern motorcycle insurance. We understand that an ounce of prevention is worth a ton of cure. Our team at Versatile Insurance Planners of San Antonio, TX is committed to educating motorcycle operators on liability coverage levels necessary to legally drive a motorcycle in the state of Texas. 

When you are in the San Antonio, TX area, having a reliable mode of transportation is very important. One great option that you will have would be to purchase a motorcycle, which is efficient and fun to drive. While this area of Texas is ideal for motorcycle owners due to the warm weather, those that own one still need to have insurance. There are several reasons that you should invest in an insurance policy for your motorcycle. 

Insurance Gives Important Protection

When you get a full motorcycle insurance policy, it will come with several forms of insurance coverage. This will include providing you with coverage for your motorcycle and offering liability protection. If you ever experience a loss or are found at fault in an accident, having this motorcycle insurance will prove to be very beneficial. This can provide peace of mind when using your motorcycle, which will make the experience more enjoyable overall.

Insurance is a Requirement

Another reason that you should invest in a motorcycle insurance policy is that is a requirement for almost everyone. In this state, you will be required by law to have liability motorcycle insurance whenever you want to drive it on a public road. Additionally, if you have any type of financing out against the motorcycle, you will need to get motorcycle insurance to stay in compliance with your loan agreement. 

When shopping for this insurance in the San Antonio, TX area, you should call Versatile Insurance Planners. The team at Versatile Insurance Planners understands how important it is that you get proper insurance coverage. They will be able to explain all of your options to you and help you pick a policy that will provide the right coverage to meet your personal needs.