Health Insurance Open Enrollment in Laredo, TX

 

Hello Everyone!  Health insurance open enrollment begins from November 1st to December 15th 2018.  Because of the Affordable Care Act, aka, Obamacare, health insurance companies cannot deny you from buying medical insurance regardless if you have any prior medical problems.  In addition, a health insurance company can’t charge more money because you are sickly either.  In fact, there are no medical questions to answer!  But, if you miss the date, that is, you wait until after December 15th, then you can generally buy an individual health insurance plan ONLY if you qualify for a Special Enrollment Period.  What is a Special Enrollment Period you may ask.  Taken from healthcare.gov, a Special Enrollment Period is “A time outside the yearly Open Enrollment Period when you can sign up for health insurance. You qualify for a Special Enrollment Period if you’ve had certain life events, including losing health coverage, moving, getting married, having a baby, or adopting a child.”  You usually have 60 days from the event to enroll in a new health plan.

If your looking for health insurance in Laredo, TX, Webb County and surrounding counties, call me for more information.

 

Insurance Agent and Blogger Laredo, TX

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.

AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041
(956) 729-9500 affordableinsurancelaredo@gmail.com
https://www.facebook.com/affordableinsurancelaredo/

What is bobtail coverage in a truckers insurance policy in Laredo, TX?

Over the years, I’ve had the pleasure to serve many truck drivers insurance needs in the Laredo, TX area.  One question comes up often.  What is bobtail insurance in a truckers policy?  Bobtail coverage is when you are operating your rig without the trailer.  For example, you might drive your 18-wheeler without a trailer to the mechanic’s shop for general maintenance.  In that circumstance, you wouldn’t be on dispatch nor pulling a load, so Bobtail Insurance Coverage would be needed.  So where does the Truckers Liability Coverage come in?  Semi truck owners who are leased by another trucking company, may be working under that trucking company’s motor carrier authority.  If so, the coverage should lie under the trucking company’s insurance policy.  I must mention that I always recommend to confirm coverage before driving a semi-truck.  You need to confirm where the coverage kicks in.  Confirm if there is coverage when you are on dispatch or not, and when you are pulling a load or not.  There should be no gray area here.  On the other hand, if you purchased a Truckers Liability policy  through an independent agent and the policy contains “Trucker’s Liability,” then you’d have coverage whether your pulling a load or not.

 

Insurance Agent and Blogger Laredo, TX

 

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.

AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041
(956) 729-9500 affordableinsurancelaredo@gmail.com

https://www.facebook.com/affordableinsurancelaredo/

 

 

Do I really need life insurance and where can I buy life insurance in Laredo, TX?

Do I really need life insurance? That’s a common question I encounter as an auto and home insurance agent.  The short answer is, it depends.  People buy life insurance for different reasons.  Firstly, you must ask yourself one question: What is the goal of life insurance?  For some people it’s about leaving “something” behind for when they pass on.  Think of a grandma buying a life insurance policy with the intent of leaving the proceeds to her grandchild.  Some people use it with the goal of cash accumulation within a universal life insurance policy.  Although, in my opinion, life insurance should not be treated like a savings account, some wealthy individuals choose universal life policies for cash accumulation.  The most common, and perhaps the most important reason to buy life insurance is for “income replacement.”  Ask yourself this question, if you were to pass away, would your surviving spouse have the money to pay for monthly living expenses, such as mortgage, utilities, food, etc?  Income replacement by far is the most common reason to buy life insurance and probably the most common type of life insurance used for income replacement is term insurance.  Term insurance covers you for a predetermined period of time for example, 20 years.  It is the cheapest form of life insurance.  So if you are wealthy enough where there is never a lack of money, then perhaps your better off not buying life insurance.

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.

AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041

(956) 729-9500  affordableinsurancelaredo@gmail.com

 

 

Does the color of my car affect the price of auto insurance in Laredo?

In short, no. However, other factors do influence the rate. For example, auto insurance in Laredo, TX might be a bit cheaper than auto insurance in San Antonio, TX. That is because San Antonio traffic is much more congested than Laredo traffic. Also, since there is more traffic congestion in San Antonio, there are also more accidents. Other things that affect the price of auto insurance is driving history, claims history, and yes, sometimes, credit history. For example, we represent carriers that either consider credit history in the insurance premium and carriers that don’t. Call us for more information about that. (956) 729-9500

Fred Gonzalez is the principal agent at AlphaSure Affordable Insurance Services in Laredo, TX. He has been licensed to sell and service insurance in Texas since 2001.

AlphaSure Affordable Insurance Svcs 201 W Del Mar Blvd Suite 20 Laredo, TX 78041

(956) 729-9500  affordableinsurancelaredo@gmail.com

I’ve just had a car crash in Laredo. What do I do next?

This is a question we hear on a regular basis.  Although the situation may be stressful, there are a couple of things to  consider when reporting a claim to your insurance company.  Firstly, it is always recommended to file a police report.  Although a police report is not necessarily proof of who was at fault, the officer at the scene can report what he sees such as road conditions, how much damage a vehicle sustained, report any injuries and issue citations.  Some things you’ll find in the police report are, year make and model of the vehicles involved, the driver information, and car insurance information such as insurance company and policy number.  The last part is very helpful in filing a claim.

Secondly, report the accident to your insurance company as soon as possible.   Your insurance policy provisions indicate that you must file a claim promptly!  If you wait too long, it can jeopardize your coverage.

So if your involved in an car crash, file a police report and call your agent as soon as possible!

 

Fred Gonzalez is an insurance agent at AlphaSure Affordable Insurance Services in Laredo, TX.  He has been licensed in Texas since 2001.