One of the numerous add-on auto insurance features available to motorists in Dallas, TX is uninsured and underinsured motorist coverage. This is a good feature to have on policies offered by insurance providers such as State Insurance Solutions.
The following are three things to know regarding uninsured and underinsured motorist coverage when you’re on the market for an auto insurance policy.
There are many uninsured and underinsured motorists out on the road.
A lot of motorists assume that the vast majority of drivers carry required insurance due to law enforcement efforts by the police. In fact, this is not the case. There are probably far more uninsured drivers out on the roads than you think. As of 2015, it was estimated that as many as 13 percent of drivers were uninsured.
You could get in an accident with an at-fault driver who doesn’t carry any auto insurance.
With all the uninsured drivers out there, it’s obviously entirely possible that you could get in an accident caused by one of these drivers. If this happens, your own insurance will have to cover the damage costs. However, this will only happen if you have collision coverage. If you don’t have collision coverage or uninsured and underinsured motorist coverage, you’ll have to pay for the resulting accident damages to your own vehicle out-of-pocket.
Some states require motorists to carry uninsured and underinsured motorist coverage.
In Texas, uninsured and underinsured motorist coverage is not required by state law. However, it’s important to note that some states consider this type of coverage so important that they require it by law.
Still have questions about uninsured and underinsured motorist coverage in Dallas, TX? We’re here to help. Contact us with your questions at State Insurance Solutions.
Young families in the greater Dallas, TX area are gaining a good understanding of the many benefits of life insurance. If you are newly married or thinking about starting a family, now is the right time to consider your life insurance options. The team at State Insurance Solutions is here to provide the necessary information for you to determine the right option for you and your family.
Finding the right life insurance policy
There are so many different life insurance policies available, it can become overwhelming trying to choose the right one for your family. As you consider your options, there are a few factors to consider. Namely, are you a one or two-income family? Is either spouse considerably older than the other? Are there any health issues to consider? How many children do you have or are planning to have? These are just a handful of the types of questions that your agent will go over with you to help you find a robust life insurance policy to protect your family. Whether you choose term, universal, variable, or whole life, you will rest assured that your family has the protection it needs.
Now is the right time to review your options and determine the appropriate choice for your family’s needs. There are benefits to all types of life insurance, and your agent can help you to pinpoint the features that are most important to you. Having a strong life insurance policy in place is an important step in protecting your family’s future.
Ready to secure a life insurance policy for your family? Call or stop by State Insurance Solutions today, we are proud to serve the insurance needs of the greater Dallas, TX community and look forward to working with you!
The city of Dallas, TX is one of the largest and fastest-growing cities in the country. For those all over the area, there are plenty of benefits that come with starting a business to take advantage of these great economic factors. While there are plenty of benefits that come with starting a business in the Dallas area, there are some risks as well. Getting a commercial insurance policy can actually help to mitigate some of these risks.
Provides Liability Protection
One of the advantages of getting a commercial insurance policy in the Dallas area is that it can provide you with liability protection. Business owners are going to take on risk if they sell a product or service. If a customer or client is hurt through the use of the product, the business owner could be held and found liable. Fortunately, a commercial insurance policy will help to protect against this risk.
Business owners also need commercial insurance to ensure that their company assets are protected. Businesses need to invest in many assets including equipment and inventory. If these assets are stolen or damaged, it could be devastating and very financially impactful for the company. Your commercial insurance policy will ensure that you have the protection that you need to replace or repair these assets. This could help to keep your company solvent.
Those that own a business in the Dallas, TX area will find that having commercial insurance is a necessity. When you are shopping for insurance for your company, you should call the team at State Insurance Solutions. The insurance team at State Insurance Solutions can help anyone to get into a great policy. This will include carefully assessing the risks of your organization to make sure you are adequately protected.
Every person driving a vehicle on Texas roads has to be properly insured. And yes, this includes your teenage driver. If they are caught driving without insurance, they will face serious fines. So, it isn’t a question of whether or not your teen needs auto insurance — it’s how, and when, they will get it. At State Insurance Solutions, we insure teens all across the Dallas, TX area. And because we value their safety on the road, we’re here to make the process as simple as possible!
Adding Your Teen to Your Insurance is Usually the Best Option
As their parent and/or legal guardian, the simplest (and most convenient) option is to have them added to your existing policy. This choice usually saves the most time and money, and the process is fairly simple. If your teen will be driving your car, just ask to add them to your policy and submit the required documents. This is also a great time to evaluate your existing policy and see if you want to make other adjustments.
What if My Teen Has Their Own Car?
If your teen has their own vehicle, you will not be able to add them to your existing auto policy unless you also add the vehicle. This means that you will also need to be the car’s legal owner and have it registered under your name. Another option here is to take out a separate insurance policy on the car under your name and then add your teen.
In the state of Texas, teens (under the age of 18) are technically allowed to have their own auto insurance policies. However, it’s worth noting that their premiums as an individual teen driver will be very different. This is why so many parents opt to just add their teen onto their own insurance.
Whether you have more questions about your teen driver’s insurance options or simply want to get them added to your existing policy, the experts at State Insurance Solutions are here to help. Come stop by our Dallas, TX office or give us a call today!
Buying a home in the Dallas, Texas area can be a great long term investment due to the strong local economy and high growth demands. If you are going to purchase a home in the Dallas area, you also need to make sure that you are properly covered by home insurance. There are several reasons why people in this area need to have home insurance at all times.
Ensures that They Have Proper Coverage
The most important reason why someone in the Dallas, TX area needs to have home insurance is that it will ensure that they have proper coverage. A full home insurance policy will provide a range of coverage types, which can protect the home and all personal assets from theft, fire, bad weather, and vandalism. Additionally, home insurance customers will also have a liability insurance policy that will cover any accidents that occur.
Complies with Lender and Association Requirements
The majority of people that purchase a home are also going to be required to have home insurance at all times. If you took out a mortgage to purchase the home, the lender will likely escrow each month for your home insurance payments. This ensures that their collateral is protected if the home is ever damaged. Additionally, many home associations require that the owners carry a full home insurance policy that all times due to the benefits it provides.
If you are shopping for home insurance in the Dallas, TX area, you should call the team at State Insurance Solutions. Choosing a quality home insurance policy could be a great option, but is also a complicated process. When you call the team at State Insurance Solutions, you can receive additional support that will be needed to pick the right policy for your situation.
Whether you’re single or married, young or old, working or retired, you can benefit from the financial security that a life insurance policy can provide. By discussing life insurance options with your State Insurance Solutions agent in Dallas, TX, you can get a better idea of what type of policy would be best for you. Here are a few good reasons to consider adding life insurance to your financial portfolio.
Financial Support for Spouse/Children
If you’re the main breadwinner of the family, your spouse and children count on your income for daily living. Your family could suffer financially if they were to suddenly lose that income due to your unexpected demise. Life insurance benefits can replace lost income to help pay the bills until your spouse can make arrangements for the future. With a life insurance policy, you needn’t worry that your spouse and kids will go without.
Care for Aging Parents
Life benefits can help support aging parents, giving singles peace of mind that their loved ones will be taken care of after they’re gone. If your parents have medical issues or are struggling to pay the bills, your support can be a lifesaver in their time of need.
Support a Business
As an entrepreneur, your income is the lifeblood of your business. If you were to suddenly pass on, your business partner may struggle to carry on. Life insurance benefits can help replace your income to keep the business going upon your demise. A budding enterprise can provide extra income for your spouse and family after you’re gone.
Fund a Charity
If your desire is to make a difference in the world, you can name a favorite charity as your beneficiary to help those in need and give back to your local community.
To learn more about the benefits of life insurance, contact us at State Insurance Solutions in Dallas, TX.
Business insurance is often a term that entrepreneurs encounter when starting a company in Dallas, TX. Some small business owners, however, do not understand the basics of a commercial indemnity plan. Is business insurance required to start a company in Texas? How much coverage should you buy? The agents at State Insurance Solutions can help you find the business insurance policy that works for your new company.
Is business insurance required in Texas?
There is no official rule that requires business owners to obtain general liability insurance in the state of Texas. You may, however, want to consider purchasing a plan that covers you in the instance of an incident in which you are found negligent.
Commercial insurance requirements
You may not have to purchase a general liability insurance plan to run a business in Dallas, TX. Such does not mean that you can start a company in town without any insurance.
Those entrepreneurs with companies that employ workers need to purchase workers’ compensation insurance a well as unemployment insurance to remain in compliance with the law. Workers’ compensation pays employees who are injured while completing tasks related to the job. Your workers do not have to be on the premises to receive workers’ compensation. They do, however, have to prove that their injuries are directly related to the job.
Workers’ compensation insurance protects both the employee and the employer. Employees are compensated for the time they need to take off from work to recover. Meanwhile, employers are protected from lawsuits when a worker’s compensation insurance plan is in place.
Call State Insurance Solutions for help!
We have been in the business of insurance for many years. Our agents can help you find the right business insurance policy for your company. Call today to get started with a quote!
Winters in Dallas, TX are mild compared to states like Colorado and Minnesota, but it can still get pretty cold and sometimes it even snows. Protecting your car during those cold months is important, and at State Insurance Solutions, we like to help make sure you’re ready when winter is at your door.
Always make sure your vehicle is well maintained
Pay attention to the manufacturer’s requirements, and schedule your oil changes, tire rotations, and other recommendations on time. That doesn’t just make sure everything is working right, but it gives your mechanic a chance to check out your vehicle and maybe notice issues that will turn into big problems down the road.
Plan your route and check the weather ahead of time, but stock your trunk with emergency supplies
Even when you’re paying attention, bad weather can take you by surprise. Keeping a first aid kit, flares, a blanket, a spare tire, and even snacks could save you if you get stuck on the road.
During very cold weather, keep your tank at least half full
This can help keep your fuel lines from freezing. Putting your vehicle in the garage overnight will protect it from the elements, keeping the car from freezing overnight.
If you are ever trapped in your vehicle during bad weather:
- Do what you can to stay warm. Use your blanket, clothing, and anything else to maintain your body heat if possible, and if it’s safe, run the heater sometimes.
- Stay with the car. If the weather is so bad you’re stranded, the only thing you might accomplish by leaving the car is getting lost.
If you’re in Dallas, TX, you probably appreciate that winters aren’t terrible. But you still need to be safe. If you have any questions about winterizing your vehicle, or if you have an auto insurance questions, please feel free to call State Insurance Solutions today.
We all love our pets but there are times when bad things happen. In Dallas, TX, the agents of State Insurance Solutions work with their clients to make sure they are fully covered if the unthinkable happens. Most homeowner policies contain liability insurance that covers dog bites and other accidents that involve your pets.
Always Remain in Control of Your Dog
When you own a dog, it’s up to you to maintain control of them at all times. When you take them for a walk, make sure they are on a strong leash and wearing a collar that fits properly. It’s also important that if you have a fence in place, that it is in good condition with no openings where your dog can get out.
Post No Trespassing Signs and Beware of Dog Signs
If you own a dog, it’s a good idea to post No Trespassing Signs and Beware of Dog signs. This alerts anyone that comes on your property that a dog is present and that they should proceed with caution. This may or may not keep people from venturing onto your property, but it does let them know what to expect.
Even the most docile of dogs can bite someone if they are afraid. If a dog bites someone on your property, the liability coverage in your homeowners’ policy will cover the medical costs.
In Dallas, TX, residents often turn to the agents of State Insurance Solutions when they have questions or concerns about their homeowners’ insurance. If you want to review your existing policy or have a new one put in place, call one of their reputable agents at your earliest convenience.
You’ve worked hard to grow your business. But what would happen if you made an accidental mistake or faced an unexpected lawsuit? Would you be able to protect yourself against a costly court case? Thankfully, there is a type of small business insurance policy available to help protect you: professional liability insurance. Our State Insurance Solutions team put together this handy guide on purchasing professional liability insurance in Dallas, TX.
What is Professional Liability Insurance?
Also referred to as Errors and Omissions Insurance, professional liability insurance protects small businesses and independent consultants from a lawsuit in the event a customer is unhappy with their work. Generally, this policy protects against alleged or actual negligence and the costs associated with defending the claim in court.
Who Needs Professional Liability Insurance?
There are several industries that require professional liability insurance, including those in the legal and medical industries. However, there are others where having it is just a good business idea. Examples of these types of professions include:
- Real estate agents
- and Others
Of course, this isn’t an exhaustive list. Consultants of all types are also excellent candidates for professional liability insurance, as their work could easily be challenged in a lawsuit.
How Much Does Professional Liability Insurance Cost?
This is a difficult question to answer. There are numerous factors that go into professional liability insurance premiums, such as the type of industry you’re in and what your unique risks are. Simply put, there isn’t a specific number. Instead, it’s best to speak directly with an agent about your individual situation to obtain an accurate rate quote.
Are you ready to learn more about purchasing insurance for your Dallas, TX business? Contact State Insurance Solutions today for your no-obligation policy review.