Does car rental and towing come standard on an auto policy?

Posted on October 28, 2024October 25, 2024 by admin

At DGIA LLC in Round Rock, TX, we understand that auto insurance isn’t a one-size-fits-all package. It’s more like a visit to Burger King, where you can genuinely ‘Have it your way.’ You have the power to customize your policy to suit your unique needs, meaning not everything is automatically included.

When it comes to auto insurance in Texas, specific state requirements must be met. These include a minimum of liability insurance coverage, with any additional coverages considered as ‘extras’ that you can choose to add to your policy.

Rental and Towing Coverages

Rental car coverage is a policy add-on that provides you with a vehicle to use after an accident. It’s designed to keep you mobile, whether you need to get to work, school, or anywhere else while your car is being repaired.

Towing coverage is often a 24/7 option that comes in handy when your vehicle is inoperable and you need it towed to the shop for repairs, to a body shop, or anywhere else you wish for your car to be taken so that it is off the side of a dangerous highway. Towing coverage also includes pulling you out of a ditch, jumpstarts, tire replacement (putting on your spare tire), or bringing you essential fluids like water or gasoline to get you going again.

It’s important to note that many insurance policies don’t offer rental or towing on a standard liability policy. You might be required to have comprehensive and collision coverages on your policy.

More Information on Rental and Towing Coverage

At DGIA LLC in Round Rock, TX, we are here to answer your questions about rental and towing coverages. We will inform you about what they cover, whether coverage can be added to your policy, and the cost of adding them. Give us a call at (737) 332-3442.

Minimal Commercial Insurance Requirements for Texas Business Owners

Posted on September 30, 2024September 30, 2024 by admin

While Texas legislation doesn’t mandate Round Rock, TX, business owners to carry business insurance or employers to have workers’ compensation coverage, several forms of commercial insurance are crucial for operating a profitable enterprise. Moreover, additional policies may offer significant savings and security in the face of unexpected incidents.

Key Business Insurances Needed in Texas

If your business operations involve a vehicle, you’ll need an appropriate commercial auto insurance policy that covers accidents during deliveries, transportation of goods to market, or service provision at a client’s location.

Product sellers on platforms like Amazon should consider liability coverage. It offers financial protection against claims relating to injury or property damage caused by your goods. Moreover, business owners availing commercial mortgage loans may need to fulfill specific insurer requirements.

Professional Commercial Insurance Services from DGIA LLC

The potential loss of a business due to a natural disaster or lawsuit, tipping the scales of investments and hard work toward a costly deficit, is a nightmare for every entrepreneur. At DGIA LLC, we offer insurance coverage to Round Rock, TX business owners, ensuring you have the protection needed to bounce back after unforeseen circumstances. Don’t hesitate to contact us to explore our commercial insurance policy options or get a quote on a policy bundle.

What Makes a Car “A Classic?”

Posted on August 30, 2024August 28, 2024 by admin

Insuring Classic Cars: What You Need To Know

At DGIA LLC, we offer a multitude of vehicle insurance products in the Round Rock, TX area.

We specialize in protecting your investment in SUVs, motorcycles, RVs, and classic cars. Many people have a vague understanding of classic cars, often associating them with vehicles from an era long past.

Defining a Classic Car

While the term ‘classic car’ is widely used among car enthusiasts to impress various connotations, for registration and insurance purposes, a classic car is defined as a vehicle that is at least 20 years old but not more than 40 years old.

Among classic car aficionados, though, a classic car can be any vehicle that’s rare, unique, or produced in limited quantities.

Why Proper Insurance Matters for Classic Cars

Classic cars tend to be insured differently from daily-use vehicles, primarily because their values are often higher than standard "book value." Furthermore, classic cars are usually driven less frequently and may be stored securely or transported to special events and car shows via trailers. Ensuring these vehicles requires an approach that considers this scenario.

Get A Classic Car Insurance Quote from DGIA LLC

If you’re a resident of the Round Rock, TX area and own or are considering owning a classic car, DGIA LLC can help safeguard your investment. We understand the nuances of unique vehicles and collaborate with insurers who specialize in these cars. Contact us today to discuss your classic car, how you plan to use it, and how to best insure it. We are here to assist you.

If You Rent, then Renters Insurance can Help

Posted on July 30, 2024July 30, 2024 by admin

Insurance is critical whether you reside in a 15-room mansion or a 2-room studio apartment. Although the type of insurance needed may vary considerably, every home deserves the protection only insurance can provide. Therefore, numerous folks in and around the Round Rock, TX area rely on the experienced, professional, and friendly team at DGIA LLC for their renters’ insurance needs. If you’re renting, renters’ insurance can significantly help.

Insurance for the Place Renters Call Home

Renting is a more popular choice today than ever before, with more people opting to benefit from it rather than pursue homeownership. From being free from upkeep and maintenance responsibilities to the coverage options renters’ insurance provides, it’s not difficult to see why renting has gained popularity. Renters’ insurance provides benefits such as protection from losses and coverage for destroyed, stolen, or damaged items. It serves as a safeguard for the place that renters call home.

If you rent, renters’ insurance can help, and the right insurance partner can assist you in getting the renters’ insurance solutions you need.

Renters Insurance Solutions in Round Rock, TX

If you rent a property or apartment in the Round Rock, TX area and need insurance or have questions about renters’ insurance, our friendly and professional team at DGIA LLC can help with all your renters’ insurance needs. Regardless of where you call home, protecting your home and belongings begins with insurance. Contact us to learn more and schedule an appointment to get the coverage you need for the place you call home at DGIA LLC today.

Filing a Motorcycle Insurance Claim for Collision Damage

Posted on June 28, 2024July 2, 2024 by admin

In the aftermath of a motorcycle collision in Round Rock, TX, it’s crucial to prioritize your safety and health, as well as that of anyone else involved. Documenting any medical treatments or injuries sustained can profoundly impact your insurance claim, especially if personal injury elements exist.

Gathering Witness Information

Make an effort to gather witness statements about the collision. Detailed witness information can help establish the accident facts more clearly.

Contacting Law Enforcement

Report the accident to law enforcement if it caused significant damage or injuries. A police report can serve as valuable documentation for your claim, providing an objective record of the incident, which can be critical for the insurance process to establish the facts.

Notifying Your Insurance Company

You should provide your insurance company with a clear and concise account of the incident, including all the documentation you’ve gathered. Early notification can expedite the claims process and ensure you comply with your policy’s reporting requirements.

Assessing Repair Options

Obtain estimates from several repair shops and discuss these with your insurance provider. Selecting a quality repair shop will ensure your motorcycle is brought back to its pre-accident condition.

Understanding Claim Settlement Offers

After your insurer evaluates the claim, they will present a settlement offer. Review this offer carefully, considering the repair costs and other expenses incurred. If the offer seems unfair, discuss it with your insurer and provide supporting documentation for reconsideration.

Keeping a Claim Diary

It is advisable to maintain a diary of all communications and actions relating to your claim. Record dates, times, and summaries of discussions with your insurance provider, repair shops, and any other relevant parties.

DGIA LLC Helps Guide You

Let DGIA LLC assist you in understanding how motorcycle insurance can be a lifesaver in the long run. Our team covers the Round Rock, TX area. Contact us today.

What are benefits of boat/watercraft insurance?

Posted on May 31, 2024June 5, 2024 by admin

Are you a boater, or have you considered getting a boat or watercraft? Then, it would be best to understand the importance and benefits of boat/watercraft insurance. Even though boat accidents are not as common as car accidents, you still should think about how to protect your precious investment. Here is the list of several benefits you should be aware of:

Proper damage protection – The primary purpose of boat/watercraft insurance is to protect you and your watercraft against any damage caused by such unpredictable things as storms, fires, vandalism, accidents, and others.
Theft coverage – This insurance also protects boat owners from theft. It is especially important and necessary if you live in a high-crime area.
Emergency towing – Many boat/watercraft insurance policies also include emergency towing. With this option, you do not have to worry; you are stuck on your boat in the middle of nowhere and need help.
Peace of mind – It is another essential benefit of boat/watercraft insurance. When you know that you and your boat are covered and protected, you have peace of mind that allows you to enjoy boating.
Cost-effectiveness – It is worth having boat/watercraft insurance. It is cheaper for you to pay for it every month than to cover repairs or even replacement of your watercraft if it is damaged or stolen.

Boating is an exciting experience that provides you with joy and adventure. However, it would be best to consider getting boat/watercraft insurance to enjoy your worry-free and stress-free voyages. If you live in Round Rock, TX, or any other nearby area in Texas, DGIA LLC is an insurance company ready to help you find the perfect policy. At DGIA LLC, we specialize in different types of insurance, including boat insurance as well, and we work with clients in Round Rock, TX, and other towns. Feel free to visit our website or call us for insurance options.

How Many Policies Can Umbrella Insurance Sit On Top Of?

Posted on April 30, 2024May 2, 2024 by admin

Are you the type of person who wants to be sure you have top-tier protection from life’s worst-case scenarios? If that is the case, you may want to consider umbrella insurance. There are many in the Round Rock, TX, area, and abroad that consider umbrella insurance to be extremely smart. The concept makes a lot of sense, and our team at DGIA, LLC can help walk you through all the intricacies of such a policy. When thinking about umbrella insurance, though, do you need it for each policy? How much umbrella insurance can you sit on top of?

Umbrella Insurance and Blanket Coverage

Umbrella insurance is unique in the way it is set up. It is a type of insurance policy that is going to carry a limit that goes above and beyond what you have on your underlying policies.

With just one umbrella insurance policy, you can have it cover things such as liability, property, worker’s compensation, etc. The umbrella policy and its limit will be able to sit on top of the underlying limits of all other policies you already own.

Blanket Additional Coverage

The great thing about umbrella insurance is its blanket additional coverage. The trick is to formulate an attachment point on your umbrella policy so you have no gap between your underlying limits and when they kick in. At that point, it is a matter of deciding on the proper limit on your umbrella to have the top-tier protection you seek. Professionals serving the Round Rock, TX area, our team at DGIA, LLC is here to help you understand your options and make an informed buying decision.

Three Ways to Reduce the Risk of Flood Damage

Posted on March 29, 2024March 28, 2024 by admin

Floods pose a significant risk to homes, potentially causing extensive damage that can result in lost personal possessions, damaged walls and floors, and even mold growth. While it’s impossible to eliminate the risk of flooding completely, there are practical steps homeowners in Round Rock, TX can take to mitigate the impact. Here are three ways you can reduce the potential damage floods could cause to your home.

1. Elevate Electronics

One of the first lines of defense against flood damage is elevating and securing items. At the same time, you might put everything you can in your home higher up when there’s a risk of flooding. It’s especially important to do this with electronics. Elevate all electronic devices to the second floor or place them on furniture if they must remain on the first floor. It is also crucial to unplug these devices. This strategy should extend to other valuable items, but prioritizing electronics is beneficial.

2. Install Foundation Vents

Improving your home’s foundation to allow water to flow through rather than accumulate around it can greatly reduce the risk of flood damage. Foundation vents might not prevent flooding entirely, but they might significantly reduce the water level within your home.

3. Invest in Flood Insurance

Despite all precautions, some flood risks cannot be entirely mitigated. That’s where flood insurance becomes invaluable. Standard homeowners’ insurance policies typically don’t cover flood damage, making investing in a separate flood insurance policy essential. In areas like Round Rock, TX, where the weather can be unpredictable, flood insurance ensures that you’re protected should a flood occur.

Get Help Finding Flood Insurance

At DGIA LLC, we can help you select flood insurance that will protect your house and your possessions well. Contact us today for help finding a policy.

Condo Insurance Coverage for Natural Disasters

Posted on February 28, 2024February 26, 2024 by admin

Condo Protection Against Unforeseen Weather Events

Are your condo and its belongings shielded from unpredictable weather conditions? If not, you need to secure additional insurance coverage. Take stock of your valuables that could be exposed to damage, and then connect with an agent in Round Rock, TX, for a consultation.

Floor Coverings

Inclement weather could wreak havoc on your condo’s floor coverings. It’s a good idea to consider getting insurance for pricey coverings or floor types that would be hard to replace. Record flooring dimensions and the flooring type within each room. This information can guide you in adding the appropriate floor products to your policy.

Windows and Window Treatments

Windows and window treatments that you’ve purchased for your condo should also be insured. They can be lost or damaged in the course of a natural calamity. Keep track of your investment in glass panes, blinds, shades, and other window items to decide on a suitable insurance coverage amount for these possessions.

Patio Equipment and Furnishings

If your condo boasts a patio, you might own furniture and equipment on it that could benefit from insurance coverage. After inspecting your patio and noting down all items worthy of insurance coverage, make the necessary modifications to your policy.

Contact DGIA LLC

Our agents at DGIA LLC are ready to assist you. After reviewing your condo insurance policy, they’ll make necessary changes reflecting the coverage needs for the assessed items.

Life Insurance that Fits

Posted on January 22, 2024January 25, 2024 by admin

No two people lead or live the same life. That also means that everyone has different goals, needs, and plans when it comes to life insurance, which is also why people from all over the Round Rock, TX area turn to DGIA LLC for all their life insurance needs, and for life insurance that fits.

Life Insurance that Fits

Trying to figure out the right insurance plan for you and your family requires considering more than a few factors, and those factors are as unique as you are, which is why it is important to get life insurance that fits your needs, goals, and plans.

Deciding on which plan, what type of policy, and coverage amounts, for example, is where the expertise of professional and friendly agents, like those at DGIA LLC can help. From what you and your family need to what to consider, there are help and solutions for people looking for the right life insurance plan.

What to Consider When Choosing Life Insurance

A good agent will take the time to help you understand what types of life insurance plans are available to you and help you choose the right plan for you and your family. That also makes finding an agency like DGIA LLC that can help with all of your insurance needs an important part of choosing the right life insurance plan.

As we age, live, and go through life, our needs and situations change. That can also mean that our life insurance needs and goals might change. Our team can help you be better prepared for those changes.

Schedule A Consultation Today

Contact the team at DGIA LLC and find out why your friends, neighbors, and folks from all around Round Rock, TX rely on us for all their life insurance solutions.