Archive for the ‘Insurance Advice’ Category

Business Owners Need Workers’ Compensation Too

Tuesday, August 2nd, 2016

Most of the business owners around Lubbock I deal with exclude coverage for themselves and other owners in their workers’ compensation policy. It seems that many owners don’t like the idea of getting hurt or don’t believe that an accident will befall them. Group Health Insurance Excludes Workplace Injuries Perhaps some of them believe that if…Read More

Do Businesses Need Terrorism Insurance in Texas?

Thursday, January 21st, 2016

Many people who don’t own commercial property would be surprised to learn that 60% of American commercial buildings are insured for terrorism. This means many ordinary building owners – not just high-profile targets – are purchasing coverage. In fact, while the country at large was shocked by the 14 people killed last December in San…Read More

How Uber, Lyft & Relay Rides May Not Be Insured by Your Auto Policy…

Tuesday, September 1st, 2015

Auto Insurance. You may think of it as a paper stuffed in your glove box that allows you to legally drive in the U.S. That hard copy, though, is actually the contract you have made for an exchange of money for coverage. When you purchase car insurance, you are buying security. If damage occurs to…Read More

4 Ways to Protect Your Insurance Information When You Need it Most

Wednesday, October 8th, 2014

Hopefully the insurance papers cluttering up your desk are not the only copies. Staying organized and protecting your insurance information is a necessity. Many circumstances require insurance information to be easily accessible at a moment’s notice; natural disasters such as floods, fires, etc. can damage paperwork and affect your claim. Your insurance information is valuable,…Read More

Enrolling in & Understanding the Affordable Care Act or ACA (Obamacare)

Thursday, October 24th, 2013

Regardless of your feelings, the ACA that was passed in March of 2010 is here. In 2014, every American is required to have health insurance or pay a penalty to the IRS. The enrollment period for a January 1st, 2014 effective date starts October 1st, 2013 and runs until the middle of December. If your…Read More

Lubbock: Bundle your Home and Auto Insurance to save

Wednesday, July 31st, 2013

Buying insurance in Lubbock is quite a shock for many who move here from other parts of the country.  They can’t believe that home insurance can cost so much.  When I moved to Lubbock over 30 years ago, the cost of my home insurance doubled while the amount of coverage decreased 25%. Lubbock area deductibles…Read More

Shop Your Auto Insurance Early

Monday, September 17th, 2012

Strange as it sounds, many auto insurance companies give discounts to customers if they request a quote weeks in advance of the date they purchase their new policy. Yes I know that each discount has to be actuarialy sound but this one is suspect.  The discount tells me that people who take care of business…Read More

Texas Hail and Tornadoes? Good time to call Hettler for Auto and Home Insurance

Wednesday, April 4th, 2012

Hail and tornadoes continue to make the news.  The April 3, 2012 tornadoes were that hit the Dallas-Fort Worth area allowed us to view the mighty power that a EF1 or EF2 storm packs.  The pictures of swirling Schneider trailers being tossed about like toys is etched into the minds of many of us.  Just…Read More

Darwinian Insurance Underwriting = Extinct Dog Breeds?

Friday, March 9th, 2012

Some dog breeds would become extinct if insurance company underwriters had their druthers.  (I love that word.)  Here’s why: The legal climate around dog bites is so bad that their owners almost are always responsible for the actions of their pets.  Insurance companies have responded to the nearly $360,000,000 in annual claims for bites by installing Darwinian underwriting. …Read More

Save Money on Car Insurance while taking less Risk

Saturday, February 4th, 2012

Why do you buy Auto Insurance?  “I have to” may be your response and that is so true.  Most states require auto liability insurance and almost all lenders require collision and other than collision coverage (the so-called “Full Coverage” option) so “I have to” is a great reason but there is an even better reason…. Before the…Read More

Get a Quote or call for a quote at 806-798-7800

[gravityform id="7" title="false" description="false"]