Motorcycle Laws for Texas

To ride a motorcycle in Texas, you must follow the motorcycle laws for helmets, passengers and have proof of financial responsibility or the minimum liability insurance. We serve motorcyclists for all of their insurance needs at TAB Insurance Agency LLC.

Helmet Laws

Helmet laws were created for your safety while riding. You must wear a helmet unless you are a minimum of 21 years old and you have health insurance to cover medical and hospital costs if you are in an accident. This is the same law for both a rider and a passenger.

Motorcycle Licensing

You must complete a motorcycle safety course to apply for a motorcycle license in Austin, TX, also known as a Class M license. This can be waived if you are already licensed to ride a motorcycle in another state.

Minors

Applicants must be 15 years old to get a Class M license and they need to complete a 32-hour course in advance of the application process. They may be given a provisional license in which they can only operate a 250 cubic centimeter piston displacement for a year before securing a non-conditional license. All Class M applicants must complete a driving test on the road.

Motorcycle Insurance

The great state of Texas requires all motorcycle drivers to prove their financial responsibility in the case of an accident that they cause. For most individuals, the easiest method of this is to obtain motorcycle insurance.

The minimum liability insurance to carry for a motorcycle is expressed as 60/25/30, meaning it must cover $60,000 for bodily injury coverage per accident, $25,000 in property damage coverage for each accident, and $30,000 for bodily injury coverage for each person injured in an accident.

At TAB Insurance Agency LLC, we realize the motorcycle laws and insurance requirements may be a bit confusing. You can contact us by phone or come by the office near Austin, TX in Frisco to get any additional information you may need. We are here to serve you.

How to File a Successful Boat Insurance Claim in Texas

When you have an accident, damage, or theft to your boat in Texas, the process of filing a claim on your boat insurance can feel confusing. Filing a successful boat insurance claim is very similar to filing a successful car insurance claim. Document everything, and stay in contact with your insurance company. 

At TAB Insurance Agency LLC serving Austin, TX, we want you to have an easy claims process if you suffer damage or theft with your vessel. Here are the steps on how to file a successful boat insurance claim in Texas.

Ensure the Problem is a Big One

If you have a small scratch on your boat after a docking problem, don’t call the insurance company. Find a way to repair it and eat that cost. 

If you have been sideswiped by a major vessel or there has been a major crime, call the insurance company. 

You will be eligible for loss-free discounts when you don’t call them for every potential boat problem.

Call the Police or Coast Guard

If there has been a crime, or there is significant damage, call the police or Coast Guard. You will need to file a report on the incident. Get a copy of that report for your insurance company.

Document Information After an Accident

After you’ve been in a boating accident, follow the same information exchange procedure that you would in a car accident. Exchange boat ID, insurance name and contact information, and names of any witnesses.

Make sure that you document every aspect of the problem that you can. Take multiple photos from all angles before you call the insurance company.

Hold Off on Repairs

If your boat needs a repair, hold off until you have had an in-depth discussion on the matter with your insurance company. They should have everything they need if you have documented the entire situation thoroughly. They may recommend a place for repair, and you will know how much you can spend on repair after you’ve spoken to them.

File the Claim

After you’ve had a boat accident or loss and gathered the documentation, file the claim. Talk to your insurance company as soon as you can. The sooner you do, the sooner the problem is behind you.

Get a Quote for Texas Boat Insurance Today

At TAB Insurance Agency LLC serving Austin, TX, we want you to be protected against every possible boating problem. Call us today for a free quote.

What would happen if I do not have auto insurance in Austin?

Anyone that is in the Austin, TX area will find that owning a car is quite convenient. Those that would like to buy a car when they are here do need to make sure that they have the right insurance in place. An auto insurance plan is required for all drivers here. If you do not have coverage, you could face a variety of challenging situations. 

Legal Challenges

One situation that could occur if you do not have auto insurance is that you could face legal challenges. In the state of Texas, all people are required to have liability coverage whenever they drive a car. If you are driving without insurance and are caught without auto insurance, you could be penalized. Depending on the situation, this can include fines, loss of licensure or other penalties. 

The expense to Make Repair or Pay Restitution

An auto insurance plan is important as it offers financial protection if you cause an accident and need to pay restitution or if your car is damaged or stolen and needs to be repaired or replaced. If you do not have coverage, you will still be responsible for all of these costs. This could require that you come out of pocket a significant amount of money, which you may not have access to. 

Those that are going to get own a car in Austin, TX clearly need to have an auto insurance plan. When you are looking for a new policy for your vehicle, a great company to reach out to is TAB Insurance Agency LLC. The team with TAB Insurance Agency LLC understands the need to have auto coverage. They will give you the help you need to choose a plan that is right for you and meets your needs. 

Three things you might not know about boat insurance in Texas

As a boat owner in Austin, TX, it’s important for you to purchase a boat insurance policy to protect the investment you’ve made in your watercraft. We sell boat insurance at TAB Insurance Agency LLC.

The following are three things you might not know about boat insurance in Texas.

You can buy a policy that will offer "lay-up" options.

It’s important to look for "lay-up" options in your policy if you only use your boat during certain seasons of the year.

With these options, you won’t have to pay as much in boat insurance premiums in the off-season when you’re keeping your boat in storage rather than taking it out on the water. 

You can cover land risks with a boat insurance policy.

Boat insurance isn’t just about covering financial risks when you’re in the water with your boat. Boat insurance policies can also offer coverage when you’re on land with your boat. For example, boat insurance can offer coverage for when you’re transporting your boat or keeping your boat in storage. 

A boat insurance policy typically entails navigational limits. 

One of the most important things to understand about boat insurance is any navigational limits in place. Boat insurance policies typically only offer coverage in a certain area. If you travel outside this area with your watercraft, you will not be compensated through an insurance claim if your boat becomes damaged. 

You can learn more about boat insurance by getting in touch with us at TAB Insurance Agency LLC. Contact us with your questions about boat insurance coverage in Austin, TX. 

Which home insurance coverages should you focus on if you have children?

Which home insurance coverages should you focus on if you have children?

You must have done thorough research when buying your Austin, TX home. Double that if you are getting a home insurance policy where children are involved. Insurance experts at TAB Insurance Agency LLC recommend enquiring about coverages that help keep your home and your children safe. Luckily, you don’t have to dig much because we have listed them below.

Personal liability coverage

One of the most important coverages for a homeowner with children is liability coverage. Lawsuits have become quite common in America and can quickly empty your bank account if you are not careful. If you have teenagers in your home, you may want to increase the coverage limit to cover bodily injury, property damage, and lawsuits resulting in their actions.

Dwelling protection

This coverage rebuilds your home if damaged or destroyed by a fire, hail, lightning, or any other disaster listed in your policy. Most Austin TX policies also cover detached structures like the gazebo, garage, or any other structure.

Personal property coverage

Your furniture, appliances, clothes, and electronics are all covered under the personal belongings coverage. In case of a fire or burglary, your children will get the peace of mind that the policy will replace their items, and they will continue living as before. To get the most out of this coverage, you may need to conduct a home inventory.

Additional living expenses

The last thing you want is your children spending a night out in the cold after a disaster took down your home. Home insurance offers you an opportunity to settle down as fast as possible, even after a terrible incident that rendered you homeless.

As a parent, it’s always prudent to find ways to cut costs by getting the best coverages to safeguard your finances. At TAB Insurance Agency LLC, we are all about finding ways to protect what matters to you the most. Call us for a deal.

Why do people need motorcycle insurance?

Anyone that lives in the Austin, TX area is going to have many different types of insurance needs. For those that own a motorcycle, one important form of coverage to get is motorcycle insurance. There are many different reasons why someone here will need to get this type of insurance coverage. 

Insurance Protects Asset

A reason that you will need motorcycle insurance is that you will want to have protection for your asset. When you get motorcycle insurance, you are going to have the coverage that is needed to repair or replace the asset if it is stolen or damaged. This can prove to be very helpful in a situation where you would otherwise incur a loss. 

Insurance is Legally Required

You will also need to get motorcycle insurance because you have a legal obligation. Drivers all over the state need to carry liability insurance no matter what type of vehicle they operate, which includes motorcycles. When you are trying to stay in compliance with the law, you should select a motorcycle insurance policy that will give the coverage needed to meet the state’s requirements. You will also have a contractual obligation to carry a full insurance policy if you took out a loan to buy your motorcycle. 

It continues to be very important that people in the Austin, TX area get a proper motorcycle insurance policy when it is needed. When you are in need of a new motorcycle insurance policy here, you should call the team with TAB Insurance Agency LLC. The insurance professionals with TAB Insurance Agency LLC understand how important and valuable this type of coverage is. They can offer a variety of services that will help you better assess your needs and choose a policy that gives the right type and level of coverage. 

What You Need to Know About Home Insurance in the New Year

The New Year is a great time to start thinking about our goals and getting things in order. Your insurance policies are one of the most important ways you can protect your family, your assets, and your investments and one of the most important types of insurance is your home insurance. At TAB Insurance Agency LLC, serving Austin, TX, we want to help you make the best possible insurance choices. The only way you can do that is by having the best insurance information available to you. Keep reading to find out what you need to know about home owner’s insurance in the New Year. 

Why Is Home Owner’s Insurance Important?

In the past home owner’s insurance was very much an optional type of insurance to carry. In today’s economy, however, the homeowner’s insurance is a vital part of a family’s financial security. You have invested a lot of time and money into your house. In addition to this, your house is where you and your family gather, spend time, and make memories. Without insurance, your family could be left vulnerable both financially and emotionally in the event that your home is seriously damaged or lost. Home owner’s insurance helps to protect against this possibility. 

What Are Some Things I Should Consider in the New Year?

This New Year you should take some time to evaluate if your current home owner’s policy is meeting your family’s needs. Have improvements been made to the home which may have increased its value? Are your personal property evaluations accurate or should they be updated? Have you changed anything to your home or property that may have increased liability risks? These are all important questions to ask in order to make sure your policy is sufficient for your needs in the New Year. 

If you would like to learn more about home insurance, please contact our staff at TAB Insurance Agency LLC, serving Austin, TX. 

Should You Get Additional Auto Insurance for Long Distance Travel?

Whether you are planning to travel a long distance for the holidays or just take a road trip in the Spring, you might want to consider if your current auto insurance is adequate. An agent from the TAB Insurance Agency LLC of the Austin, TX area can advise you based on your circumstances. 

Is there a specific type of insurance for long-distance travel?

Depending on the company, there may be an actual road trip policy you can get. Otherwise, you’ll at least want to make sure that you have more than just the minimum liability that is required by every state. For instance, you’ll want to know that your policy includes a sort of broadening clause so that you’re covered when driving in other states than where you got your insurance.

Supplemental Insurance Needs

You don’t want to think about it, but you may end up getting into an accident or having some kind of mechanical failure. When this happens, it’s important that you have good roadside assistance. Some plans will only tow your vehicle a certain distance, so you’ll want to see about adding onto your roadside policy through an insurance provider or the manufacturer if you’re under the warranty still. Car issues are bad enough when you’re trying to enjoy yourself on a trip, but it will give you some relief when you know you don’t have to worry about having your vehicle transported somewhere for repairs.

At TAB Insurancy Agency LLC, we are proud to serve our regular customers and welcome new customers of the Austin, TX area and beyond. If you have any questions about our offerings or how we can help you, reach out today.

Why Your Boat Insurance Application Could Be Denied

It can be such a great adventure to own a boat, but it comes with a lot of responsibility as well. Before you take your boat out into the ocean, it is highly important that you seek boat insurance coverage first. Let’s look at the things you could encounter if you were to apply for boat insurance. It is vital to be prepared so you are not denied coverage.

Boat Condition

One of the most obvious reasons why you could be denied coverage of a boat insurance application is if your prized possession is not in the best condition. If you purchased a lemon, it means that you have to first do work on your boat so that it can pass the smell test or inspection. It is recommended that you apply for a boat insurance policy only when you have repaired your boat.

Moving Violations

Secondly, you could get denied for coverage, if you have several moving violations such as speeding and drinking while you are on the water. Too many driving infractions could also prevent you from securing insurance coverage for your boat. Be careful and ensure that while you are having fun, you are also mindful of following the law and being responsible.  

Intended Purpose

When you are applying for boat insurance, you will be asked about the intended purpose of using your boat and the size of the boat will also be in question. Most insurance companies will only provide coverage if the boat is for your own personal use. If it will be used for business, then the policy would definitely be categorized as such. If you are using the boat for business and are not forthright about it and the insurance company finds out, this could cause a denial.

Conclusion

If you have a boat and you want to secure insurance coverage, prepare yourself prior to making contact. Make sure you have all the issues handled so you can go forward with confidence that you will not be denied. Contact TAB Insurance Agency LLC in Austin, TX today so you can start the application process.

Three things to know about auto & motorcycle insurance in Austin

If you drive a vehicle or ride a motorcycle, you need to purchase an insurance policy in Austin, TX. TAB Insurance Agency LLC can help you to find the right auto & motorcycle insurance solution for your needs.

It’s important to be informed before you purchase insurance. The following are three things to know about auto & motorcycle insurance in Austin.

You are legally required to carry liability coverage.

in Austin and the state of Texas, you are required by law to carry liability coverage. Texas requires you to carry $30,000 per person in liability coverage and $60,000 liability coverage per accident. You are also required to carry $25,000 in property damage coverage. 

You have the option of purchasing collision and comprehensive coverage.

Although you are required to carry liability coverage, collision and comprehensive coverage are two types of auto & motorcycle insurance that are optional.

Collision coverage covers the costs of repairs to your own car, truck, or motorcycle. Comprehensive coverage covers the costs of damages from theft, fire, and a few other events.

If you don’t invest in collision coverage, remember that you’ll have to cover the costs of repairs to your own vehicle independently. That’s why it’s always a good idea to opt for collision and comprehensive coverage. 

You can minimize your premium with a higher deductible.

Your insurance policy will come along with a deductible. Your deductible is the amount of money you have to pay out of pocket in the event of accident damages. If you choose a higher deductible amount, you may be able to save money on lower monthly premiums. 

Let us help you in your search for a good auto & motorcycle insurance solution in Austin. Contact us at TAB Insurance Agency LLC with your questions and inquiries.