Twenty years ago, insurers could never have predicted today’s landscape. The rise of the internet, adoption of electric cars and the prospect of more and more data are becoming a reality. How will changes under the hood and technology affect auto insurance in the future? […more]
Building a Better Insurance Agency A quarter-century is a long time in the insurance world. Ron Hettler, owner of Hettler Insurance Agency in Lubbock, has weathered many changes. “What is most remarkable is a realization that we’ve insured individuals born in three different centuries,” Hettler said. “Generations of families and businesses have counted on HIA. It’s what keeps us motivated for the future.” As the [...more]
No one, not Congress, the president or even your insurance agent knows definitively what will happen to health insurance. However, this much we know, the Affordable Care Act was not repealed for 2018. After several attempts, it is still the law, although it has changed significantly. What happens next? How will open enrollment affect Texans and Lubbock residents? What does a death spiral of the [...more]
Tesla is famous for cool innovations. So it makes sense that if any automaker could pre-sell 400,000 cars based on a prototype, it would be Tesla. Early adopters eagerly await their new electric luxury sedans, which are due to start shipping in October. But what about insurance? Rates are based on pesky facts like how likely cars are to cause damage and how expensive they [...more]
Lubbock Texas Hits a New Population Milestone Last month, the U.S. Census Bureau revealed the fastest-growing large cities. Four of the top five were in Texas: suburbs of Dallas, Houston, and Austin. Although Lubbock is defined by the Census as a large city (more than 50,000), it didn’t reach record growth. Instead, the Census revealed Lubbock reached a new milestone. Officially, [...more]
It’s just a little crack. You can still see through 99.99 percent of your windshield, so what’s the harm? Plenty. Those cracks and chips in your windshield can spread unpredictably and harm the integrity of the entire windshield. […more]
All jobs have occupational hazards – even office workers get paper cuts or, more often these days, carpal tunnel syndrome. But some occupations are riskier than others, rodeo clowns? You bet. And those risks are reflected in insurance policies. Disability and life insurance policies are especially affected by dangerous jobs. […more]
The Tiny House Trend Most people have heard of the tiny house trend. But just how tiny are these homes? There’s no official definition, but most people consider a house less than 400 square feet as tiny. The average tiny house is only 186 square feet. This includes the living area, bathroom, kitchen and sleeping loft. Compare this to the average American house, which is [...more]
Now that the year is almost over, it’s time to evaluate 2016’s storm season in Lubbock and the greater south plains. We interviewed Joel Mowery, Co-Owner of SERVPRO of Southwest Lubbock. Together with Ron Hettler, President of Hettler Insurance, we have two experts on protecting property and restoring what is lost after a disaster. […more]
The following is an outline for free market insurance reform, written by Ron Hettler, an insurance broker that understands the health insurance marketplace, problems with the Affordable Care Act and possible solutions. Areas for Free Market Insurance Reform include Insurance, Medical Providers, Share Responsibility Penalty, Tax Credit Transition and Networks. […more]
Halloween is known for bats, vampires, ghosts, witches, candy, and… insurance claims? These can be the spookiest of all. And Halloween is one of the biggest days for the kind of trickery that leads to insurance claims. […more]
Has there been a more politically divisive time in American history? Well, there was the Civil War. But otherwise, things are pretty grim in the world of Democrats vs. Republicans. So when we speculate about whether the insurance situation can improve under a Hillary Clinton presidency, we have to consider her friction with a Republican Congress. […more]
All Texans know that we live in the greatest state on earth. As such, we don’t like to be bothered by problems that divert us from advancing our business, socializing or just relaxing with some Friday night football. So it’s no wonder that many folks don’t want to face the frightening and highly inconvenient problem of climate change. But it’s here, and a spate of [...more]
Texas’ insurance market is the world’s 12th largest based on premium volume, and 400 insurance companies are headquartered in the Lone Star State, according to the Insurance Journal. These range from the very large, such as USAA, to specialty companies, like Tokio Marine, which started out in aviation covering antique warbirds, corporate jets, and even homemade private planes. Just about any kind of insurance coverage [...more]
Most of the business owners around Lubbock, exclude coverage for themselves and other executives 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. […more]
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