Changes to Your Car Insurance when Kids are Off to College

insurance review when kids go back to collegeNow that the kids are off to college we’ve traded in our SUVs for sportsters. We’ve finally been on that romantic get-away to Aspen or we begin to celebrate the empty nest. Let’s stop for a second and think about something even more exciting; car insurance!

Assuming your child hasn’t permanently moved into a dorm, they are still legally considered members of your household and so we don’t have to remove them from your auto policy. However; if they are on campus without their car you can make some changes to your policy that will give you a special rating. If they are on campus with their car then we have to rate the car in that zip code since that is the area they will be using their automobile in.

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What To Do in Case of a Car Accident?

what do do if you get in a car accidentNo one likes getting into a car accident and you can never plan for it enough. Not only can it damage your car but a car accident can injure you, ruin your day and cost you money. Here is a list of a few things you should NEVER do after an auto accident.

Never Leave the Scene

Always stop and ask if everyone involved in the car accident is okay.  Vehicles are easier to fix than people and everyone’s well being is the most important factor.  Make sure everyone is safe and secure medical attention for anyone injured.

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Uninsured Motorist Coverage – Why Your Motorcycle Coverage Should Include It

motorcycle insurance coverageIn the state of Texas, uninsured and/or underinsured motorist is optional.  You may reject the coverage in writing but it is still important to have whether you are in League City or the surrounding Galveston area.   Obviously, you are much more exposed on a motorcycle to injuries and there are lots of drivers who either have no insurance or they carry the state minimum which puts you at risk.

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