Auto Insurance

Collision ss. Comprehensive Auto Insurance: What To Know

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When the time comes to choose an auto insurance policy, there may be more decisions to make than you would expect. Different types of auto coverage are available. Two types of auto insurance that you can choose include collision insurance and comprehensive insurance.

Knowing the difference between these two types of policies can help you decide whether one (or both) of these options are right for you. The professionals here at Main Street Independent Insurance Agencies Inc., servicing Ft. Worth, TX and the surrounding area, can help. We provide information to customers to help them select the right type of insurance for their needs. 

What Is Collision Insurance?

Collision insurance is a type of insurance that pays to repair or replace your vehicle if you are in a collision — regardless of fault. Even if you cause an auto accident, collision insurance will repair your vehicle. Collision insurance is an excellent option if you often drive in situations where collisions are high-risk.

What Is Comprehensive Auto Insurance?

Comprehensive auto insurance is a type of insurance that pays to repair or replace your vehicle if you are involved in a non-collision accident. Comprehensive auto insurance typically covers events like theft, vandalism, and fire.  

Struggling To Choose an Auto Insurance Policy? We Can Help

Collision and comprehensive insurance aren’t the only options available. If you’re trying to choose an auto insurance policy, you may have many decisions to make. This is why it’s important to work with an insurance agent you trust. If you live in or around Ft. Worth, TX, contact Main Street Independent Insurance Agencies Inc.

We help customers find the right insurance for their needs. We also work with many insurance carriers, so you’ll have many options to choose from. Call today.

Is Liability-Only Auto Insurance Enough?

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If you have a vehicle, you know how important it is to have auto insurance. Auto insurance helps protect you financially when covered events occur. When you get your auto insurance through Main Street Independent Insurance Agencies Inc., serving Ft. Worth, TX, we can help you choose the best insurance for your needs.

Auto insurance comes in different types, including liability insurance. Our insurance professionals can answer your questions to help you choose a policy. Here’s what to know. 

What Is Liability Auto Insurance?

Liability car insurance, also called liability only, is a type of car insurance that pays to repair or replace the other car if you cause an accident. Liability insurance does not pay to repair or replace your vehicle after a collision.

Why Get Liability Insurance?

Liability auto insurance is required by law. It also helps protect the other driver from expensive repairs if you cause a collision. 

Should You Get More Insurance?

Liability insurance is generally the minimum required amount of insurance, but many people prefer to get more insurance for their vehicle. For example, collision insurance will pay to repair or replace your car when a collision occurs, regardless of fault. Collision insurance can make recovering from a collision easier and less stressful.

Another type of insurance, comprehensive insurance, can help repair or replace your vehicle when noncollision events (like theft) occur. If you would like your vehicle to have the maximum amount of insurance, consider getting these two types of policies. 

Need Auto Insurance? Call Us

If you need auto insurance, the professionals at Main Street Independent Insurance Agencies Inc., serving Ft. Worth, TX, can help you. Call to speak with one of our insurance professionals. 

Will Auto Insurance Replace A Car Seat If It Was In An Accident?

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Every car seat should be replaced after an accident to ensure there is no hidden damage and that the seat remains safe. The National Highway Traffic Safety Administration recommends replacing a car seat after even a moderate accident to ensure its effectiveness.

Standard Policies

Most auto insurance policies will replace a car seat depending on the type of coverage you have. Liability coverage typically doesn’t pay for a replacement because this type of coverage doesn’t cover personal belongings.

Most collision policies will pay for anything damaged during the accident, including a new car seat. This applies even if there isn’t visible damage to the car seat. However, you may need to provide proof of recommendations from the National Highway Traffic Safety Administration or another reliable source in Ft. Worth, TX, to receive compensation.

Exceptions

Many insurance companies make exceptions to their standard liability policy for car seat replacements. It’s one of the few pieces of personal property they will replace. This varies depending on the company. Contact Main Street Independent Insurance Agencies Inc. to determine if you qualify for a replacement.

Required Information

How companies pay for a car seat tends to vary. Many will want to know the brand and style of the car seat involved in the accident to determine its value. It’s helpful to have the receipt or owner’s manual handy to provide accurate information.

Some insurers may ask you to purchase a new car seat and will reimburse you. Others may provide the value of your current car seat so you can purchase a comparable one.

It’s important to speak with an agent at Main Street Independent Insurance Agencies Inc. to learn more about the car seat replacement policy. Contact us today. We’re currently serving the Ft. Worth, TX, area.

Does Auto Insurance Follow the Car or the Driver? Here’s What You Need to Know

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At Main Street Independent Insurance Agencies Inc., serving Ft. Worth, TX, we often get asked a surprisingly tricky question: does auto insurance follow the car or the driver? The answer isn’t always straightforward, but understanding the basics can help you make smarter decisions about your coverage.

The General Rule: Insurance Follows the Car

In most cases, auto insurance follows the vehicle. This means that if you lend your car to a friend and they get into an accident, your insurance policy will likely be the one to respond first. Liability, collision, and comprehensive coverage are typically tied to the car itself, not the person driving it.

When the Driver’s Insurance Might Apply

There are situations where the driver’s insurance may be involved. If the driver has their own policy, it may act as secondary coverage—kicking in only after your policy limits are exhausted. This is especially important to consider if someone borrows your car regularly or for extended periods.

Exceptions Can Be Complicated

It’s important to note that not every situation is straightforward. For example, if someone uses your car without permission or if they’re excluded from your policy, your insurance may not cover damages. That’s why it’s crucial to know who is allowed to drive your vehicle and to review your policy details carefully.

Let’s Talk Coverage

Auto insurance can feel complex, but you don’t have to navigate it alone. At Main Street Independent Insurance Agencies Inc., serving Ft. Worth, TX, we’re here to answer your questions and help you feel confident in your coverage. Contact us today to ensure your policy fits your real-life needs.

How Dash Cams Can Help Your Auto Insurance Claim

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Accidents can happen in the blink of an eye, and when they do, having clear evidence can make all the difference. At Main Street Independent Insurance Agencies Inc., serving FT. Worth, TX, we often hear from drivers wondering if dash cams are worth the investment. The short answer? Absolutely. Let’s explore how these compact devices can support your auto insurance claim when it matters most.

Capturing the Truth Instantly

One of the biggest advantages of a dash cam is its ability to record exactly what happened before, during, and after an accident. Video footage eliminates confusion and conflicting accounts, providing a clear picture of the events. If another driver falsely claims you were at fault, your dash cam can offer visual proof to set the record straight. This clarity can expedite the claims process and help prevent unnecessary rate increases.

Supporting Your Side of the Story

When filing an insurance claim, your account of the incident matters, but video evidence is indisputable. A dash cam can confirm your version of events, whether it’s proving another driver ran a red light or showing that you were driving responsibly. It’s like having a silent witness in your car at all times.

A Smart Investment for Peace of Mind

Dash cams offer benefits beyond insurance claims. They can deter theft, document road trips, and provide crucial evidence in hit-and-run situations. For a relatively small investment, dash cams deliver significant returns when you need them most.

If you’re looking for more ways to protect yourself on the road, contact Main Street Independent Insurance Agencies Inc., serving FT. Worth, TX. We’re here to help you find the right coverage with confidence and peace of mind.

Navigating Marriage, Divorce, and Auto Insurance

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At Main Street Independent Insurance Agencies Inc., we understand that couples in Ft. Worth, TX, encounter a wealth of information on marriage and what to do just before and after the ceremony. We also want to delve into some of that territory, specifically addressing what to do about your auto insurance if you decide to dissolve your marriage.

Marriage and Auto Insurance Policies

Common advice suggests that when two people marry, they should combine their auto insurance to save money and streamline their finances. However, this isn’t always the best course of action. It’s not advisable if either spouse has points deducted from their driver’s license or a DUI/DWI. If both spouses have good driving records, bundling can indeed reduce premiums. It’s important to discuss finances and driving histories before marrying and certainly before attempting to bundle your policies.

Divorce and Auto Insurance Coverage

A divorce doesn’t only dissolve your marriage. A divorce decree invalidates any shared auto insurance if a couple shares an auto insurance policy. Both spouses must purchase individual auto policies before the divorce becomes final, or they risk driving without auto insurance. To avoid a potential moving violation on your way home from court, contact our agency before you sign the decree.

The Impact of Marriage on Finances

Whether you’re getting married or dissolving a marriage, these events significantly affect a couple’s finances. Don’t let the beginning or end of a romance adversely impact your financial security. Let Main Street Independent Insurance Agencies Inc. help you find appropriate auto coverage for one or both of you. Drive the streets of lovely Ft. Worth, TX, well protected with comprehensive auto coverage from our agency.

Additional coverage you can add to your basic auto insurance policy

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In the state of Texas, as with most states, the required auto insurance is liability coverage that protects other drivers and their vehicles from you. The most basic amount that you need to have is 30/60/25. This pays for medical bills, pain and suffering, and property damage. Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX ensures that each customer has the coverage they need.

Extra liability coverage

If you have assets, the basic liability coverage may not be enough to protect you. Discuss raising the amount that you carry with your insurance professional.

Collision coverage

Collision coverage protects your vehicle when you are deemed the responsible party in an accident. It pays to have your vehicle repaired or replaced. It has a deductible.

Comprehensive coverage

Comprehensive coverage protects your vehicle from all the non-collision things that can damage it, including glass coverage. It also covers theft. It has a deductible.

Full glass

With full glass coverage, your windshield or other glass will be replaced without having to pay to pay.

Gap coverage

If you have a newer vehicle and an auto loan, you may find that if your vehicle is a total loss, the amount the insurance company pays you for your vehicle is less than the amount that you owe. Coverage pays the difference between what you owe and what you get.

Vehicle rental

While your vehicle is being repaired or you are trying to replace it, this coverage allows you to rent a car so that you can continue to meet your daily obligations.

If you have auto insurance needs or questions, contact the experienced team at Main Street Independent Insurance Agencies Inc. in Ft. Worth, TX. Please stop by, email our office, or give us a call. We’re here for you.

What Happens When Parties Dispute Who Is At Fault For an Accident?

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Understanding the Process When Fault is Disputed After a Car Accident

Dealing with a car accident can be stressful without determining who was at fault. When the parties involved disagree on fault, it can lead to a lengthy claims process. Main Street Independent Insurance Agencies Inc., serving the greater Ft. Worth, TX region, is here to guide you through what happens when fault is disputed after an accident.

Accident Investigation

If fault is disputed, insurance companies will conduct a thorough investigation to determine liability. They will gather evidence such as police reports, photographs, dash cam or cell phone footage, and eyewitness statements. Insurance adjusters will analyze the damage to the vehicles and recreate the accident scene. Their goal is to establish a clear picture of how the accident occurred and which driver was primarily at fault.

Settlement Negotiation

Once insurers complete their investigations, they will share their findings and negotiate a fault agreement. If they cannot reach an agreement, the case may go to arbitration, where an impartial third party will review the evidence and assign fault percentages. The aim of arbitration is to resolve the dispute quickly without going to court.

Litigation

If arbitration fails to determine fault, either party may file a lawsuit. Now, fault will be decided through extensive legal processes, such as depositions, discovery, expert testimonies, and eventually, a trial. Litigation can be more time-consuming and expensive than arbitration or a negotiated settlement.

Securing the Right Auto Insurance

Having the right insurance before an accident makes a significant difference if you’re ever involved in one. Contact Main Street Independent Insurance Agencies Inc., serving the greater Ft. Worth, TX area today. Our experienced team can help you find the right insurance, ensuring you get the best resolution if you’re ever in an automobile accident.

Distracted Driving: The Dangers and How to Avoid Them

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Distracted driving is a growing concern on our roads. At Main Street Independent Insurance Agencies Inc., serving the insurance needs of residents in the greater Ft. Worth, TX region, we want to help you stay safe by understanding the risks and learning how to avoid distractions behind the wheel.

Understanding the Risks

Distracted driving involves any activity that diverts attention from driving, including texting, eating, or adjusting the radio. These distractions can significantly increase the likelihood of accidents, putting you and others at risk. It’s alarming how a few seconds of inattention can lead to severe consequences.

Common Distractions to Avoid

Texting while driving is one of the most dangerous distractions, as it involves visual, manual, and cognitive attention. However, other activities like using a GPS, chatting with passengers, or even daydreaming can also take your focus off the road. Recognizing these distractions is the first step in preventing them.

Tips for Staying Focused

To stay focused, try setting your GPS and music before you start driving. Keep your phone out of reach, and consider using apps that block incoming texts and calls while driving. If you need to eat or make a call, pull over safely. These small adjustments can make a big difference in your safety.

Stay Protected with the Right Insurance

While prevention is key, having the right auto insurance provides an essential safety net. At Main Street Independent Insurance Agencies Inc., we offer comprehensive policies to protect you from the unexpected. Contact us today if you live in and around the greater Ft. Worth, TX area to learn more about our coverage options and ensure you’re fully protected on the road. Drive safely with peace of mind, knowing we’ve got you covered.

Does Auto Insurance Cover Windshield Damage?

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Many drivers face the situation of a small chip or crack suddenly appearing on their windshield. At Main Street Independent Insurance Agencies Inc., proudly providing auto insurance policies to residents in and around Ft. Worth, TX, we often hear the question, "Does my auto insurance cover this?" Let’s dive into the details.

Understanding Your Coverage

Auto insurance policies vary, but most offer coverage for windshield damage under comprehensive insurance. This type of coverage protects against non-collision incidents, like falling debris or vandalism. If you have comprehensive insurance, there’s a good chance your windshield repairs or replacement will be covered.

Repair vs. Replacement

The extent of the damage often determines whether your windshield will be repaired or replaced. Many insurance companies prefer repair, as it’s often quicker and more cost-effective. Plus, if the damage is minor, repairs can often be done without any deductible. However, a replacement might be necessary if the crack is severe or in the driver’s line of sight.

Filing a Claim

Filing a claim for windshield damage is usually straightforward. Contact your insurance provider to report the damage, and they will guide you through the process. Some companies even have partnerships with glass repair shops, making the entire process seamless and hassle-free.

Preventive Measures

To avoid future issues, consider parking in garages or shaded areas to protect your windshield from extreme temperatures. Regular inspections can also help catch small chips before they become major cracks.

Need More Information?

If you have questions about your auto insurance or need to review your policy, contact us at Main Street Independent Insurance Agencies Inc., serving Ft. Worth, TX, and surrounding areas. Our team is ready to assist you with all your insurance needs.