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.

Renter’s Insurance in Laredo, TX

If you are renting an apartment in Laredo, TX, you may want to consider purchasing renter’s insurance.  Renter’s insurance helps cover against losses to your personal belongings as well as any personal liability.  For example, should a fire happen in the downstairs unit of an apartment and your stuff burns, how will you replace your belongings?  Renter’s insurance is a way to replace your belongings after a covered loss such as s fire.  Another coverage found in renter’s insurance is personal liability coverage.  Personal liability helps protect against personal lawsuit.  The cost of renters insurance is affordable.  Many times the rates for renter’s insurance is less than $20 per month and if it is combined with your auto insurance it may be even cheaper!  Is it wise to have renter’s insurance?  Absolutely!

For a no-obligation quote on renter’s insurance call us.

Alfredo Gonzalez, is a licensed property and casualty insurance agent in Laredo, TX serving all of Texas.  (956)729-9500 https://affordableinsurancelaredo.com/renters-insurance/

 

Health Insurance Plans in Laredo, TX

The health insurance open enrollment period has begun.  According to the Affordable Care Act (aka, Obamacare) you may purchase health insurance during designated times of the year called open enrollment or during a special enrollment period.  Because we live in a border town, Laredo, TX, many families have members that do have current visas.  But don’t let that discourage you from buying health insurance.  Although you must reside in our country legally to purchase health insurance for yourself, the law does not allow us to ask the immigration status of other family members who are not applying for health insurance.  The immigration status will be asked only of people applying for health insurance and that’s it.

 

Alfredo Gonzalez, is a licensed health insurance agent in Laredo, TX serving all of Texas.  (956)729-9500 https://affordableinsurancelaredo.com/health-insurance/