The Phoenix Insurance.  Auto and Homeowners Insurance in Dallas
  • September15th

    There were so many great cars in Salina at the Leadsled Spectacular that it took 3 days to see them all. This is the third set of photos we took. IF you have a chance and want to see some incredible Kustom rides, then you need to plan to be at the 35th annual Leadsles Spectacular in Salina next year. The KKOA are an incredible group of people, and put on an incredible show.

  • September8th

    One of our newer agents went out to Cars and Coffee for the first time here in Dallas, and was so overwhelmed, he “forgot to take many photos” If you haven’t been to Cars and Coffee here in Dallas, it’s something to see.

  • September3rd

    Today, I will spell out in black and white what you need to do in the event of an auto accident – whether it is your fault or not. There are over 18,000 car accidents in the United States every day, and should you become part of that statistic, you need to know what to do. I’m not talking down to you here – most accidents happen to young people or people that have never had one before. The people who are constantly running into stuff know what to do. This post is for the amateurs.

    Whoops.

    Whoops.

    1. Check to make sure everyone is ok. This is always the first thing. Yes, we all love our cars, but we are all of the family of Man. Check on your fellow humans first. If everyone is ok, proceed on to the following steps.
    2. Stay Calm. Yes, I know you love your car. I know that we spend lots of time in our cars, some of us give them names, and some people even wash their cars more than quarterly. Still, it is just a thing, and things can be replaced or repaired. You do have insurance, right? Then good, no worries. If you don’t have insurance and are reading this article, things just got real for you.
    3. Move out of Traffic. If both cars are driveable, move them out of traffic. Take a couple of photos first if you need to, but move out of traffic. Notice how I said that 3 times?
    4. Exchange information. Get the basics; driver’s name, policy number, insurance company phone number. Use your phone to take photos of all of these things – a picture of the ID card should suffice. DON’T let anyone else gather this for you, unless you are on a stretcher. The police may gather the info, but often they gather it wrong, or miswrite the info. Get it yourself so you know you are taken care of. I speak from experience.
    5. Take photos of obstructions to vision. If there is something (a tree, bush, car or house) that obscured vision and may have contributed to the accident, take a photo of it as well.
    6.  If your car is undriveable, call for a tow. You may have to pay up front and be reimbursed, or your insurance company can send someone out if you have towing coverage (which you should – it’s super cheap).
    7. Make the phone call. Do it right then. Call the at fault party’s insurance company and get the ball rolling. If in doubt, call both insurance companies. There are people with false ID cards, too, and you need to establish that before the police leave – or call the police if they haven’t come up to that point.
    8. Decide what body shop you want to work on your car. Yes, you can go anywhere you want. Be aware, however, that the insurance company only guarantees the repair if done at one of their approved shops.

    [I]Probably not approved. [/I]

    Probably not approved.

    An auto accident doesn’t have to be the end of the world – yes, it can make for a bad day, but if you have the right kind of coverage, it will become a minor inconvenience. The time to know you have the right coverage is well before you have a collision. I will just put this out there – insurance companies have been selling you on the “cheapest” coverage and savings for a very long time. Sometimes, though, you should set aside minor cost considerations until you look at how it’s covered – sure, if you are paying less with good coverage, hop on it. Often, though, people look past the sort of coverage they actually have on their insurance policy to focus on the price. Then, when they have a car accident and their insurance doesn’t cover them as they thought it would, they cry foul. Consult with someone like us, and see what you are really paying for before you need it.

     

  • September2nd

    The Salina Leadsled Spectacular was an incredible show, and we had a great time. This is the second gallery of some of the incredible Kustoms Kars, Classic, and just flat ot “wow” – mobiles that were all over Salina in July. Next year is the 35th annual Leadsled Spectacular, and we are looking forward to going back.

  • August28th

    We went out to one of our favorite summer shows, “Cars Under The Stars” in Sachse, TX and had a great time. As usual we saw a lot of our classic insurance clients out there, and had a really great time.

  • August25th

    We attended the 34th Annual Kustom Kemps Of America Leadsled Spectacular in July this year, and what a show! There were so many cars there we will have to make two posts. It was hotter in Salina than it was in Dallas that weekend, and since it was an outdoor show we did our fair share of sweating – but was it ever worth it. 1800+ incredible Kustom Kars, classics, and rat rods were there to soak up the sun with us and enjoy the hospitality of Salina. We will be back next year for the 35th annual, that’s for sure.

  • August18th

    The weather here in Dallas has been unseasonably cool, and it brought out the incredible cars in force. The Panhard that was there in July was there again, but it had recently been bought by Jay Leno, and was making its last appearance in the DFW area before being loaded on a car hauler.

  • August11th

    We took the DIVCO out to the Bass Pro car show in Grapevine on August 2nd – and what a great assembly of cars. Hundred year old antiques to modern collectibles, the show spanned the gamut of automotive history.

  • June21st

    We stopped by Autonation Ford and checked out their show – what a great group of rides.

  • June16th

    So we all know a ton about Auto Insurance, Home Insurance, Classic Auto Insurance, and Commercial Insurance. Do we? Are there other policies you don’t know about? Are there endorsements on policies you are not aware of? You bet your fur, Pal, and I’m here to make sure you know. Oh, yeah, you’ll know a lot when I’m done. A whole lot.

    Let’s start with one of the easy ones – a policy that lots of people “know” about, but few buy unless forced to.

    1. Flood Insurance. “Oh, I don’t need that” you say, “I have water damage on my home insurance.” Well, that’s great, but water damage isn’t flood insurance.  Flood insurance covers rising groundwater that enters your house. While it’s not required unless you are in a flood zone, you still might have need of it if you are not in a flood zone anyway. On my street, the gutter drains get clogged all of the time during heavy rains. When that happens, the water gets up over the curb – and if it gets a little more aggressive and comes into my house, my homeowners insurance isn’t going to replace the floor – and it doesn’t take much water to ruin a floor. The good news in all of this? You can get $75,000 worth of coverage on your house for under $300 a year.

    2. Umbrella Insurance. “I never use an umbrella – they are a pain to store when it’s not raining. And why insure one anyway, aren’t they cheap?” Actually, umbrella insurance is “excess liability” insurance that goes above and beyond your normal liability coverage on your home and auto insurance – so if you are car number five in a five car pileup of Mercedes Benz and Porsche and Maserati cars, you will have enough money to pay for all of the damage that your normal auto insurance policy would not be able to cover, due to limits.

    3. Sporting Goods Equipment Insurance. Now, you do have to buy an “underlying” policy for this one – it’s part of your homeowners insurance. Let’s say, though, that you are a cyclist, and you have the disposable income, wherewithal, and equipment knowledge to purchase a $10,000 bicycle. (Those of you that don’t’ cycle may laugh a little at that number, but trust me, that’s not the most expensive bicycle you can buy). So you buy your five figure bicycle, then what? Is it covered on your home policy? Yes. However, if you schedule it on your homeowner’s policy, then you can set it outside your deductible – which is nice. By scheduling, you also get breakage coverage – so if you are moving a little too fast down the path and have to quickly swerve to avoid some moron who brought his kid out to play in the damn bike path and isn’t paying attention to the people who are there to exercise, for God’s sake, and you have to go off of the path and wreck your bike, it would be covered for that wreck, with no deductible, on your homeowner’s policy. For the price (pennies on the dollar) you can’t beat the coverage.

    There are lots of different, interesting ways that your insurance can protect you (and your stuff). You may not need all of the interesting insurance coverage for your home and auto that are out there, but it’s better for you to know about it and make an informed decision up front than it is to find out about the insurance coverage you could have bought after it’s too late.