If anyone needs to get a child only health insurance policy (in TX), there’s a program through Blue Cross that has a one time per year open enrollment period. The deadline is September 15th to enroll. No agents are involved.
My first year in the insurance business was notable for a number of reasons but this claim has been among the strangest that I have ever experienced. It seems that our customer was taking a shotgun out of his pickup truck and dropped the gun. Either while attempting to catch the gun or upon the gun’s collision with the pavement, the shotgun discharged shooting pellets into the cab of the pickup.
Low deductibles are great when the claim occurs but rarely are they the best long term decision.
O.K. Let’s start this discussion with a trip to Las Vegas. Odds are, if you are reading this, you don’t live in Vegas so a trip is within the sphere of imagination for you. See this decision is all about odds.
You’ve just signed for that business loan and you’re ready to get the doors open just as soon as possible.
The banker shakes your hand and says “Have your insurance agent add the bank onto your insurance policy”.
You say, “I’ll get that done” while thinking…I need to get an insurance policy going soon.
In the fall of 2009 I was called to send a life insurance proposal to my client on her husband. She had asked for a couple of different amounts and was wondering what the cost would be for permanent coverage and term insurance.
So I was at the Lubbock, Texas Parade of Homes last week and saw a friend that said he wanted to call me about his home and auto insurance. He called me that following Monday and a couple of days later, Hettler Insurance wrote his auto insurance policy. I didn’t know what he was paying through his long time agent, but I did know that he had just had an accident late in 2010.
Most auto insurance buyers understand that Uninsured Motorists coverage covers them when they are hit by someone who doesn’t have insurance and the buyer wasn’t at fault in the accident. But Uninsured Motorists Coverage has some interesting twists that may provide coverage just when you need it.
We get calls all the time from families wanting us to shop their auto insurance. We put all the information into the rating program and get quotes back from up to 8 companies. But many times the substantial savings that we show the customer is “eaten up” by the loss of a multi-policy discount on their home insurance.
So you’re tired of hearing the commercials that brag that you could save “16% or more on your car insurance” or that the average driver that switched saves $350 per year by switching to….” It’s hard to figure out the methods to buy auto insurance but let me go through the options.
Buying higher auto liability limits is seldom important…until it is.
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Hettler Insurance Agency
Ron Hettler
4432 S Loop 289
Lubbock, TX 79414
