Whether you live in McKinney, Allen, Frisco, Plano, Dallas, or other surrounding cities in the Dallas Metroplex, the Mauceri-Bynum Insurance Agency located in McKinney, Texas ensures that our trained professionals will take the time to find the right policy for you. We provide auto insurance quotes that match our clients’ needs and price point.
No-Fault Auto Insurance
Each state has certain car insurance coverage requirements that must be fulfilled. Understanding Texas car insurance requirements will aid in your choice of car insurance policy. Most states require at least one of these three options:
1. No-Fault Coverage – Regardless of who is found at fault, this insurance policy covers all passengers and the medical expenses that incur from injuries as a result of an accident.
2. Liability Coverage – In an accident, this insurance policy covers any damage to the other party.
3. Some states require policyholders to have both No-Fault Coverage and Liability Coverage in their policy.
The trained professionals at the Mauceri-Bynum Insurance Agency understand Texas auto insurance laws better than most. We are dedicated to helping our Dallas Metroplex customers find the Texas car insurance coverage that is best for them.
Common Auto Insurance Coverage Misunderstandings
If you loan your car to someone else, you’re still responsible for damages.
Many people think that if they loan their vehicle to a friend or family member, the driver is responsible for any damages caused by an accident. Auto insurance is designed to cover a particular vehicle, not the driver. If you loan your vehicle to someone, you will ultimately be responsible for any damages that may occur.
If your vehicle is a total loss, insurance might not provide you with a rental vehicle.
Rental reimbursement is not automatically included in most auto insurance policies. It must be requested and purchased as a separate optional coverage. In most cases, you will be responsible for auto rental fees and will then be reimbursed by your insurance company, up to the limits stated in your auto insurance policy.
Insurance premiums for older people will be higher.
Just because you are 55 to 60 years old doesn’t mean your insurance premium will always be higher than that for a younger driver. Many insurance companies actually offer discounts for drivers in the 55 to 70 age group. Older drivers have more experience behind the wheel and normally drive safer cars.
Benefits of Auto Insurance Quotes
Your specific needs are unique, and the needs you will have for your auto insurance policy should match. A local insurance agent is needed to ensure that your family is taken care of in the event of an accident, theft, or natural disaster. The Mauceri-Bynum Insurance Agency in McKinney, Texas cares about you and your family. This local agency works hard to make sure that you and your loved ones are taken care of in such events. Call this local Dallas agency today for all your Texas car insurance needs.