Thursday, June 23, 2011
Should I purchase an umbrella liability policy?
If you are ever sued, your standard homeowners or auto policy will provide you with some liability coverage, paying for judgements against you and your attorney's fees, up to a limit set in the policy. However, in our litigious society, you may want to have an extra layer of liability protection. That's what a personal umbrella liability policy provides.
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Wednesday, March 30, 2011
Germania Local Chapter Meeting
Our Annual Germania Local Chapter #435 meeting will be held on Sunday, April 17th, at the Verdi Community Center at 1:00 PM. We will serve a meal. After the meal we will have a short business meeting and door prize drawings. Our District Director, Bruce Germer, will be on hand to address our members.
All members of the Pleasanton Local Chapter #435 are invited to attend the annual meeting. If you have a Germania Farm Mutual policy, you are a member of Local Chapter #435. We look forward to seeing you on the 17th if you are able to attend our meeting.
Our Annual Germania Local Chapter #435 meeting will be held on Sunday, April 17th, at the Verdi Community Center at 1:00 PM. We will serve a meal. After the meal we will have a short business meeting and door prize drawings. Our District Director, Bruce Germer, will be on hand to address our members.
All members of the Pleasanton Local Chapter #435 are invited to attend the annual meeting. If you have a Germania Farm Mutual policy, you are a member of Local Chapter #435. We look forward to seeing you on the 17th if you are able to attend our meeting.
Friday, March 18, 2011
When Your Teenager Starts to Drive
My teenager just received a license to drive. Do I need to add him/her to my policy now? Will it increase my premium?
These are great questions that our customers ask frequently.
The short answers are “yes” and “yes.”
Most personal auto policies written in Texas extend liability coverage to anyone using a covered auto with your permission, including children when they begin to drive. However, some policies exclude family members who have not been reported to the insurance company and are not listed as drivers on the policy.
Failing to report your newly-licensed teenager is a dangerous game to play with your family assets. In fact, some companies may consider this to be “insurance fraud” and refuse to pay a claim involving a young driver who has not been reported – especially if the youngster had a license when the policy was first purchased.
Insurance companies expect you to report all drivers in the household and will charge a premium based on the appropriate driver classification. In the case of a youthful operator, that premium will depend on whether the driver is the principal operator of a family vehicle or just a part-time operator.
Be sure to discuss your family’s insurance needs with your insurance agent. After considering your specific circumstances, you and your agent can make a decision regarding auto insurance that is appropriate for your family and your insurance budget.
This article was prepared and made available to your agent by the Independent Insurance Agents of Texas, which is solely responsible for its content. Please read your insurance policy. If there is any conflict between the information in this article and the actual terms and conditions of your policy, the terms and conditions of your policy will apply. The Independent Insurance Agents of Texas is a non-profit association of more than 1,800 insurance agencies in Texas, dedicated to helping its members succeed, in part by providing technical resources that explain insurance policies sold to their customers.
My teenager just received a license to drive. Do I need to add him/her to my policy now? Will it increase my premium?
These are great questions that our customers ask frequently.
The short answers are “yes” and “yes.”
Most personal auto policies written in Texas extend liability coverage to anyone using a covered auto with your permission, including children when they begin to drive. However, some policies exclude family members who have not been reported to the insurance company and are not listed as drivers on the policy.
Failing to report your newly-licensed teenager is a dangerous game to play with your family assets. In fact, some companies may consider this to be “insurance fraud” and refuse to pay a claim involving a young driver who has not been reported – especially if the youngster had a license when the policy was first purchased.
Insurance companies expect you to report all drivers in the household and will charge a premium based on the appropriate driver classification. In the case of a youthful operator, that premium will depend on whether the driver is the principal operator of a family vehicle or just a part-time operator.
Be sure to discuss your family’s insurance needs with your insurance agent. After considering your specific circumstances, you and your agent can make a decision regarding auto insurance that is appropriate for your family and your insurance budget.
This article was prepared and made available to your agent by the Independent Insurance Agents of Texas, which is solely responsible for its content. Please read your insurance policy. If there is any conflict between the information in this article and the actual terms and conditions of your policy, the terms and conditions of your policy will apply. The Independent Insurance Agents of Texas is a non-profit association of more than 1,800 insurance agencies in Texas, dedicated to helping its members succeed, in part by providing technical resources that explain insurance policies sold to their customers.
Thursday, January 20, 2011
Germania Connect
Renelle and I spent last weekend at the Germania Agents Conference in Austin. We had a great time and learned how the Germania Companies are making it easier for their clients to do business with them.
It is now possible to access your policy online with Germania Connect at http://www.germaniainsurance.com/. You can pay online with e-check or credit card. Ever need an Auto ID card (proof of insurance) on the weekend or after hours? Now you can print your own with Germania Connect! Other services available are; View policy information, Check claims status, View billing history and payment history. It is quick, easy and free to register at http://www.germaniainsurance.com/.
This doesn't mean that we at Randall L. Harred Insurance Agency aren't here to help. We are always happy to see or talk to our clients and be of service. That's what we are paid for! However Germania Connect will be there as an added convenience for our clients. Check it out when you get a chance.
It is now possible to access your policy online with Germania Connect at http://www.germaniainsurance.com/. You can pay online with e-check or credit card. Ever need an Auto ID card (proof of insurance) on the weekend or after hours? Now you can print your own with Germania Connect! Other services available are; View policy information, Check claims status, View billing history and payment history. It is quick, easy and free to register at http://www.germaniainsurance.com/.
This doesn't mean that we at Randall L. Harred Insurance Agency aren't here to help. We are always happy to see or talk to our clients and be of service. That's what we are paid for! However Germania Connect will be there as an added convenience for our clients. Check it out when you get a chance.
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