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.
Basic Liability Coverage
If you drive any kind of vehicle, you need auto insurance. It’s a simple fact. But what kind of insurance is right for your needs? That’s a harder question. At Mauceri Bynum Insurance, we’ll sit down and discuss your specific requirements to match you with a policy. Many motorists end up choosing our basic liability insurance.
Liability car insurance covers any damage to another person due to an accident in which you were at fault. Our coverage options will pay for the damage to the other driver’s property and for any costs associated with their injuries. Without an insurance policy, you’ll be responsible for the full amount. The other driver may even choose to file a lawsuit against you. A trial is expensive and stressful. Take some of the stress away by opting for basic liability insurance policy.
Comprehensive and Collision Coverage
If your vehicle is stolen or damaged during an accident, comprehensive and collision auto coverage will pay for any repairs or replacements. Collision coverage applies to any damages that occur to your vehicle in an accident. This policy activates no matter who is at fault in an accident; an “accident” describes any time you hit a car, fence, or any other inanimate object.
Comprehensive coverage, on the other hand, pays for damage to your vehicle as a direct result of fire, theft, or vandalism — any type of event besides an accident. If you strike an animal, or if your car is stolen from your driveway, you can count on your comprehensive coverage. Here at Mauceri Bynum Insurance, we offer varying deductibles for all our policies; we want you to make the most of your insurance policy.
Uninsured or Underinsured Motorist Coverage
If you’re involved in an accident that wasn’t your fault, you typically file a claim with the insurance company of the at-fault driver. If the other driver isn’t insured, however, you can be left hanging. How will you receive compensation for your injuries and for personal property damages? The other driver most likely cannot afford to pay these expenses out of pocket. You could file a lawsuit, but that might not result in much in the way of compensation.
At Mauceri Bynum Insurance, we offer uninsured or underinsured motorist coverage. If the at-fault driver doesn’t have insurance or only has a small amount, this policy will cover the difference. After an accident, you don’t want to have to stress about the financial toll of this incident. Let us ease your mind.
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.