An Overview of Motorcycle Insurance

As with cars, motorcycles must be licensed, registered, and meet insurance requirements in the state of Texas. The minimum requirement to legally drive your motorcycle is liability insurance coverage. The following are other types of motorcycle insurance you can add to your policy: 

Bodily Injury Coverage

This typically covers the injuries of the policyholder and passenger. 

Personal Injury Protection (PIP)

This typically covers medical payments, lost wages, funeral costs of the policyholder, passenger, and driver of the policyholder’s motorcycle. 

Property Damage Liability

This typically covers damages to another party’s property due to you or someone you permitted to drive your motorcycle. 

Collision

This usually covers damage to your motorcycle regardless of who was at-fault resulting from a collision by another vehicle, motorcycle flipping over, or an object.

Comprehensive

This is insurance coverage for damage due to something other than a collision, including vandalism, riots, earthquakes, floods, windstorms, animal contact, and more. 

Underinsured and Uninsured Motorist Coverage

This covers motorcycle damage and bodily harm due to an underinsured or uninsured driver.

Incidentals

This is a catch-all situation for other important things needed due to damages to your motorcycle, such as a possible lease/loan gamp, theft of your motorcycle, towing your vehicle, and a rental car. 

With each type of motorcycle insurance coverage listed above, there are limitations to coverage and other important details. So, for more information about motorcycle insurance in the state of Texas, regardless if it is Desoto, TX or Arlington, TX, it will make sense to contact a reliable and proven insurance agent, and Don Atwell & Associates are the ones to turn to. Located in Desoto, TX, Don Atwell & Associates has been serving this and surrounding areas for many years. Contact our team today.

Who would benefit by having boat insurance?

In the Desoto, TX area, finding a way to enjoy the great outdoors is critical. Those who live in this area of Texas will find that the warm summer months make it a great place to purchase a boat. If you are going to buy a boat to enjoy the local waterways, you will want to ensure that you get proper insurance for it. There are several situations when someone would benefit from having a boat insurance policy.

When Trying to Protect Important Asset

One situation when you should get boat insurance is when you are looking to protect your asset. A boat is a major asset and investment that you will want to protect with insurance as well as possible. When you get a boat insurance policy, it will ensure you can repair or replace your boat when needed.

When Trying to Offset Liability Risk

Those that are going to get boat insurance will also receive protection against liability risk. There are always going to be liability risks when you use your boat, and if you cause an accident, you will have to pay for the damages. If you get a full boat insurance policy, it will give the coverage needed to offset this risk. 

If you are going to buy a boat and you are in the Desoto, TX area, you will want to ensure that you get the right insurance coverage for it. A great company to speak with when you are going to choose a new policy is Don Atwell & Associates. The insurance professionals at Don Atwell & Associates know how important and valuable a boat insurance policy is. They can help you choose a policy that will be ideal based on your needs and situation.

3 People Who Need Umbrella Insurance the Most

You work hard to ensure your family and financial well-being are protected. Part of that protection is having the right level of insurance to suit your needs. But how much is really enough? At Don Atwell & Associates in Desoto, TX, we offer quality umbrella insurance policies to help extend your liability coverage. If you’re ever involved in a big accident, or someone makes a claim against you, you can ensure you’re protected. 

However, there are a few people who need this type of policy more urgently. Here are three people who need umbrella insurance the most.

1. Business Owners in Texas

Owning a small business in Texas is certainly rewarding, but it also comes with many risks. If you or your employees cause major property damage or someone is injured due to negligence, there’s a chance you might get sued. Although you likely have commercial insurance to take the brunt of that, there is a chance that your personal assets might get dragged into the equation in court. In this case, having umbrella insurance would help ensure that you’re totally and adequately protected.

2. Seniors and Retirees

Another group of individuals that strongly needs to consider umbrella insurance is seniors and retirees. You’ve worked hard to build up your retirement savings and estate. What would happen if you were involved in a serious accident that was deemed your fault and your auto insurance wasn’t enough? An umbrella policy could protect you even further.

3. Parents of Teenage Drivers

Finally, one group that usually doesn’t know they need an umbrella policy is parents of teenage drivers. While you’ve likely taken precautions to ensure your child is safe out on the road, inexperience and distractions can often have serious consequences. An umbrella policy would ensure your financial assets are protected if your child is in an accident that injures other people.

Are you ready to learn more about umbrella insurance and how it can protect your family in Waxahachie or Desoto, TX? Please give our team at Don Atwell & Associates a call today to schedule an appointment.

5 Important Questions to Ask About Flood Insurance

Flood insurance can be a vital part of protecting your home when you live in a flood-prone area, but it’s generally also recommended for those who aren’t at high risk too. If you’re in the Desoto, TX area, and you have questions about this type of insurance, Don Atwell & Associates wants to help. We’ll be happy to answer your questions about insurance that can protect you from floods, and we’ll make sure you get the answers you’re looking for so you can have peace of mind when you choose the insurance policy that’s right for your needs.

Some of the most important questions you’ll want to ask your agent about insurance that covers your house from a flood include:

  1. If you’re not in a high-risk zone, why would you need to have insurance to cover floods on your home?
  2. Are there different types and levels of insurance that cover flooding, and which one do you need?
  3. If you already have an insurance policy for floods, who should you talk to if you want to make changes?
  4. Should you ever review your insurance policy regarding flood coverage, and how often should you do that?
  5. If your house is no longer judged to be in a high-risk location, should you lower or remove your flood coverage?

By asking the right kinds of questions, you can get the flood insurance policy and information you need to make the right decisions and have peace of mind. If you’re in the Desoto, TX area, and need your insurance questions answered, contact us today at Don Atwell & Associates. We’re here to help, and we want to make sure you have the knowledge you need to make an informed decision about your insurance requirements to enjoy living life and exploring all that Texas has to offer.

Is Vandalism Covered by my Condo Insurance?

Don Atwell & Associates are continually working to help condo owners in Desoto, TX maintain their property and keeping it looking its best. Vandalism can occur at any time and without warning. This type of destruction of property can be costly to repair, so you need to talk to your agent to ensure that you have the proper coverage.

Know Your Property Boundaries

Condo ownership means that you own your home. As part of a community property, however, you will need to know your property boundaries. With condos, it can be challenging to determine where your property ends and your neighbors’ property begins. If you are unsure, talk to the property management group that takes care of the primary property.

Talk to the Property Owner

If you experience any type of vandalism, theft, or other types of destruction of property, talk to your property management company. Some of your neighbors may be experiencing the same problem. Working together may result in finding a solution for keeping your property safer and better protected.

File Your Claim

Once you’ve talked to your property management company, file your claim with your insurance agent. They may also recommend filing a police report as well. Take pictures of the damage and document as much as you can. The more information you have, the better off you will be when making the necessary repairs.

In DeSoto, TX, condo owners are passionate about protecting their property and their homes. The agents at Don Atwell & Associates are ready to assist them in any way possible. When you notice vandalism to your condo or property, call one of their agents right away! Don’t wait to file your claim!

Three things to know about filing an auto insurance claim

If you ever end up in an auto accident, you’re going to need to file a claim on your auto insurance policy. At Don Atwell & Associates, we recognize how important it is for clients to understand what they need to do to file a claim on their auto insurance policy. We offer auto insurance to motorists in the Desoto, TX area.

The following are three things that motorists need to know about filing an auto insurance claim. 

You’ll have to get in touch with your auto insurance provider as soon as possible.

You need to ensure everyone’s safety and security right after the accident. You also should make sure that any injured individuals get the medical care they need. However, after these things are taken care of, you need to get in touch with your insurance company.

Don’t waste any time contacting your auto insurance provider to file a claim. The sooner you get the claim process started, the better off you will be. 

It would be best if you considered having a police report filed.

A police report can provide essential information regarding a car accident. While you might not need a police report in a minor fender bender, any more serious accident should involve a police report. A police report is especially important if someone was injured in the accident. 

Collecting evidence and details from the accident site is a good idea.

It’s a good idea to take a picture of the accident site. You also need to get the contact and insurance details of any other motorist involved in the accident. 

Are you interested in learning more about the auto insurance claim process in Desoto, TX? We’re here to assist you at Don Atwell & Associates. Contact us to learn more about how you can meet your auto insurance needs.

When am I required to carry commercial insurance?

The Desoto, TX area is a great place for anyone to work and live. Going along with this, the city is an excellent place to start a business. When you are going to start a company in this area of Texas, it is imperative that you are adequately covered by insurance. There are several situations when carrying commercial insurance will be a requirement for you and your situation. 

When you Took Out a Loan

If you have taken out a loan from a bank, you are going to need to have commercial insurance at all times. Lenders are aware of how much value commercial insurance can provide to a company. Due to this, they are undoubtedly going to require that a customer carry this insurance as long as the loan is outstanding as it will continue to protect the bank’s collateral.

Renting Space

Another situation when you will need to have commercial insurance is if you are renting space from certain landlords. When you operate out of a building, there is always a chance that you could have an accident that causes property damage. Since this risk is still present, your landlord will want you to have insurance that protects against this. 

There are a variety of situations when you are going to be required to carry commercial insurance. Even if it is not required by law, a company in the DeSoto, TX area should aim to get into an excellent policy. Since there are complexities that come with choosing this type of insurance, working with Don Atwell & Associates to pick a policy would be a great option. The team at Don Atwell & Associates can help you to find a policy that works for you and meets all requirements. 

Benefits provided by a Texas home insurance policy.

The DeSoto, TX area offers a lot of opportunities to anyone that lives in town. The good local economy and other factors can also make this a great place to own a home. If you are looking to purchase a property in this area, you need to make sure that you are adequately covered by insurance. A quality home insurance policy can provide someone with a variety of different forms of protection.

Ensures Covered for Liability

One advantage of home insurance is that it can cover you for liability. If you have a home and have a guest over, you could be found liable if someone is hurt while they are on your property. Due to this, it is vital that you cover this risk as well as you can. A quality home insurance policy will give you coverage for this risk.

Provides Protection for Assets

When you have home insurance, you are also going to receive coverage for your personal assets. This can include having coverage if your home is damaged or destroyed by a fire, storm, or other serious issues. You will also get coverage for your personal belongings if they are stolen or damaged. Those with significant collectibles or jewelry that is worth a lot of money should also consider getting an additional home insurance policy rider for specific coverage. 

There are many reasons why you should get home insurance on your Desoto, TX area property. When you are looking for insurance in this area, a great company to reach out to is Don Atwell & Associates. The insurance professionals at Don Atwell & Associates can provide you with a wide variety of insurance information and solutions that will ensure your property is appropriately covered by home insurance.