Name: Hettler Insurance Agency
Price range: $$

Why Hettler Insurance Does Not Use Virtual Assistants | Protecting Your Personal Information Matters
Gallery

Why Hettler Insurance Does Not Use Virtual Assistants | Protecting Your Personal Information Matters
Tags: personal information, VA, Virtual Assistant|
read more

Hettler Insurance Agency

4.5

Based on 31 reviews

review us on

blaine bearman

10:52 03 Nov 22

This was my first time going through an insurance agency, Ron was absolutely amazing!!! I got exactly what I was looking for with Ron's help!! He was very nice and helpful and wanted to help me!! Thank you Ron for this... experience and for helping me get health insurance for my children!! I highly recommend this place for anyone!!!read more

Morgan Cook

15:02 24 Jun 22

If you are looking for an insurance agency you can trust, look no further than Hettler Insurance. Meghan and the team are refreshingly professional and easy to work with. I was with my previous insurance agency for two... years, but they were no match for Meghan at Hettler. She was able to find the same policy/coverage with a significantly lower premium (with the potential for even more savings after 90 days). Every one of the staff is courteous, attentive, and helpful. Thanks Meghan and everyone at Hettler!read more

Weijun Huang

20:48 01 Jan 20

A friend recommended Hettler Insurance Agency for my family’s health insurance last year. As new immigrants, we got totally lost with what we can choose and how. Mr. Hettler has been so patient to us with full... explanation of the policies and all the guidance we need. We are very thankful to him with the insurance package we get. This is the company where the staff are very friendly and they always know what the customers need.read more

Chuck Lanehart

02:00 15 Dec 19

Ron Hettler and his staff are the best. I have used Ron for personal and business insurance for 20+ years, with no regrets. Recently he helped me sign up for Medicare supplemental insurance. We spent a good hour going... over the endless inane paperwork, even though I know his compensation for this is next to nothing. Good people, good insurance.read more

See All Reviews

630

Hettler Insurance Agency

Independent Lubbock Insurance Agency providing Texans with Auto, Home, Business, Health, Life insurance in Lubbock Texas. Self-service Life Insurance Quote GetLifePolicy.com New office at 4720 S Loop 289, Lubbock, Texas 79414 806-798-7800

Hettler Insurance Agency is at Hettler Insurance Agency.

3 days ago

"WHAT DO I DO RIGHT NOW?" — the question every Texas driver asks about 30 seconds after a fender-bender, when they should have known the answer months earlier. Filing an auto insurance claim isn't complicated once you know the sequence. Ron Hettler, CIC (Certified Insurance Counselor) walks through the EXACT step-by-step process:🚗 STEP 1 — CHECK FOR INJURIES AND MOVE TO SAFETYBefore ANYTHING else, confirm everyone is okay. Call 911 for injuries. Move vehicles out of traffic if it's safe.🚔 STEP 2 — CALL THE POLICEA police report is a core piece of the claims paper trail. If officers can't respond to a minor collision, many jurisdictions let you file the report online, by mail, or in person at the local station.📸 STEP 3 — GATHER INFORMATION AT THE SCENE• Other driver's name, phone, license plate, driver's license number, insurance policy details• Photos of all vehicle damage from multiple angles• Road and weather conditions• Direction each vehicle was traveling• Witnesses' names and phone numbers📞 STEP 4 — CONTACT YOUR INSURER AS SOON AS POSSIBLECall from the scene if you can. It does NOT matter who caused the accident. Even minor collisions can produce expensive hidden damage on newer vehicles with sensors and cameras for automatic emergency braking systems.📱 STEP 5 — FILE THROUGH YOUR PREFERRED CHANNELHotline, mobile app, or online portal. Many insurers now encourage or require photo submission via app to speed damage assessment. Some apps even let you visually recreate the accident with diagrams.📄 STEP 6 — SUBMIT REQUIRED DOCUMENTATIONAsk specifically what documents are needed and the deadlines. Proof-of-claim form. Police report copy if available.👤 STEP 7 — COOPERATE WITH THE ASSIGNED ADJUSTERRespond quickly and completely.💰 STEP 8 — REVIEW THE SETTLEMENT OFFER AND AUTHORIZE REPAIRSIf the offer seems low, you have the RIGHT to ask for a written explanation and get your own repair estimate.🚨 WHAT COVERAGE ACTUALLY PAYS FOR WHAT?• COLLISION — Damage to YOUR vehicle from a crash, regardless of fault, after deductible• COMPREHENSIVE — Non-collision events: theft, vandalism, hail, flooding, fire• LIABILITY — Damage/injuries YOU cause to others. Does NOT cover your own vehicle• UNINSURED/UNDERINSURED MOTORIST — When the at-fault driver has no insurance or not enough• MEDPAY / PIP — Medical expenses for you and passengers, regardless of fault⚠️ THE DEDUCTIBLE MATH — SHOULD YOU EVEN FILE?If your deductible is $1,000 and the repair estimate is $1,200, filing nets you only $200 — before considering that claims appear on your CLUE report and can raise future premiums. Get an INDEPENDENT repair estimate before filing for minor damage.🚗 RENTAL CAR COVERAGE IS NOT AUTOMATICIt must be explicitly listed in your policy and typically applies only while your vehicle is being repaired. Confirm the daily limit and maximum rental period BEFORE you book anything. Activate it promptly after filing — it doesn't start until you ask.👤 HOW TO WORK EFFECTIVELY WITH YOUR ADJUSTER• VERIFY THE ADJUSTER'S IDENTITY — Fraud spikes after natural disasters. Ask your insurer the name of the person they're sending. Request ID on arrival.• BE PRESENT DURING THE INSPECTION — Walk them around the vehicle yourself so no damage gets missed• PROVIDE FACTS, NOT GUESSES — Do NOT speculate about fault, speed, or what the other driver was doing. Stick to what you directly observed.• DOCUMENT EVERY INTERACTION — Correspond by EMAIL when possible. Take notes after phone calls (date, name, what was discussed)• KEEP COPIES OF EVERYTHING you submit. If the adjuster is replaced mid-claim, your paper trail proves what was already agreed.💡 PRO TIP FROM RON"Download your insurer's mobile app BEFORE an accident happens and sign in so it's already connected to your policy. When you need it, you will not be fumbling with account setup at the side of the road."🚨 WATER DAMAGE FROM FLOODINGFrequently results in TOTAL LOSS, even when the vehicle appears drivable at first. Corrosion in wiring and mold in upholstery develop over time. Do NOT assume a flooded car is repairable until a qualified shop has fully inspected it.🏆 HOW HETTLER HANDLES AUTO CLAIMS30+ carriers = real comparison shopping. We help you verify collision, comprehensive, uninsured motorist, and rental coverage BEFORE an accident, walk you through the claim step-by-step when one happens, and make sure you're not caught off guard by a low settlement or a coverage gap.Read the full auto insurance claim guide: hettlerinsurance.com/2026/09/18/how-to-file-an-auto-insurance-claim/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414 #AutoInsurance #TexasDrivers #Lubbock #WestTexas #HettlerInsurance #CIC #ClaimsHelp #GetHettler 🚗 ... See MoreSee Less

Photo

View on Facebook

Hettler Insurance Agency is at Hettler Insurance Agency.

4 days ago

"IF MY ROOF GETS DESTROYED, WILL INSURANCE PAY TO REPLACE IT?" — the question every Texas homeowner should ask BEFORE the hail hits, not after. The answer depends on two words on your Dec Page: REPLACEMENT COST vs ACTUAL CASH VALUE. Ron Hettler, CIC (Certified Insurance Counselor) breaks down the difference:🏠 WHAT IS REPLACEMENT COST COVERAGE?Pays the full amount needed to REPAIR or REPLACE damaged property with new materials of like kind and quality at TODAY'S prices — with NO deduction for depreciation. That single distinction separates it from cheaper policy types that factor in age and wear before writing your check.📉 REPLACEMENT COST vs ACTUAL CASH VALUE (ACV) — THE TDI ROOF EXAMPLEThe Texas Department of Insurance uses this exact example. If it costs $10,000 to replace a roof:• REPLACEMENT COST policy — pays $10,000 minus your deductible, regardless of the roof's age• ACV policy — pays based on the roof's depreciated value, which drops sharply over time• A 20-year-old roof under ACV may pay ZERO if it's at the end of its useful life. You cover the full replacement out of pocket.⚠️ THE #1 SILENT TRAP — PERSONAL PROPERTY DEFAULTS TO ACVThe dwelling structure on most Texas homeowners policies is Replacement Cost by default. Your BELONGINGS are not. Furniture, electronics, appliances, clothing — unless you added a Replacement Cost endorsement for personal property, they're on ACV terms. A $2,500 laptop that's 4 years old might pay out $400. A 12-year-old bedroom set might pay out $150. Discovering that at claim time is one of the most expensive mistakes in Texas homeowners insurance.⚠️ THE #2 SILENT TRAP — THE 80% COINSURANCE RULEMost homeowners assume 80% coinsurance means "I only need to insure 80% of my home." NO. It means your coverage LIMIT must equal at least 80% of the home's full REPLACEMENT COST. Fall below → the insurer reduces your claim payout PROPORTIONALLY, even on a partial loss. Rising West Texas construction costs make it very easy to slip below 80% without knowing it.💰 HOW THE CLAIM ACTUALLY PAYS OUT — TWO STAGES1. INITIAL PAYMENT — After claim approval, insurer pays the ACTUAL CASH VALUE of the damaged property minus your deductible. Money in your hands fast.2. RECOVERABLE DEPRECIATION PAYMENT — After you complete repairs AND submit receipts, the insurer releases the withheld depreciation amount.3. YOUR DEDUCTIBLE applies ONCE, to the initial payment. Not twice.4. DECISION POINT — If you don't replace the item, you keep the ACV payment only and FORFEIT the recoverable depreciation. The policy rewards actual replacement, not cash-outs.✅ THE ADVANTAGES OF REPLACEMENT COST COVERAGE• Full rebuilding coverage at today's prices, not a depreciated fraction• Protection against construction cost inflation (huge in West Texas right now)• Massively reduced out-of-pocket exposure after a major loss• With a personal property endorsement — that stolen laptop and fire-damaged furniture get replaced at today's retail price⚠️ THE DRAWBACKS• Premiums cost more than ACV (usually a modest difference for a huge coverage gap)• Two-payment claim process = paperwork discipline required• Coinsurance risk if your limit falls below 80% of true replacement cost• Personal property upgrade is NOT AUTOMATIC — you have to ask for the endorsement💡 PRO TIP FROM RON"Check your declarations page right now. If your personal property section lists 'ACV,' you are likely underinsured for electronics, appliances, and furniture. Adding a replacement cost endorsement for personal property typically costs only a few dollars more annually."🚨 THE 5 REPLACEMENT COST QUESTIONS TO ASK YOUR AGENT TODAY1. Is my dwelling coverage on Replacement Cost or ACV?2. Is my personal property on Replacement Cost or ACV?3. What's my current 80% coinsurance threshold — and does my Coverage A limit meet it?4. What does today's West Texas rebuild cost look like for my home?5. When we last updated my limits, was it before or after the last 3 years of construction cost inflation?🏆 HOW HETTLER HANDLES REPLACEMENT COST COVERAGE30+ carriers = real comparison shopping. We verify your dwelling AND personal property are on Replacement Cost, calculate your 80% coinsurance threshold against current Lubbock rebuild costs, catch the personal property ACV default BEFORE a claim, and walk you through the two-payment claim process so the recoverable depreciation actually gets to you.Get Better. Get Hettler.Read the full replacement cost coverage guide: hettlerinsurance.com/2026/09/17/what-is-replacement-cost-coverage/📞 (806) 798-7800📍 4720 S Loop 289, Lubbock, TX 79414#ReplacementCost #HomeInsurance #TexasHomeowners #Lubbock #WestTexas #HettlerInsurance #CIC #GetHettler 🏠 ... See MoreSee Less

Replacement Cost Coverage: What Every Homeowner Should Know

hettlerinsurance.com

TL;DR summary: Replacement cost coverage pays to rebuild or replace damaged property at today's prices with no depreciation deduction — the stronger financial protection compared to actual cash valu...

View on Facebook

Hettler Insurance Agency is in Texas.

4 days ago

What insurance is needed for the Texas Tech versus Houston Friday night game? #hettlerinsurancedotcom #lubbockinsurance #texastechfootball #autoinsurance #HomeInsurance ... See MoreSee Less

Video

View on Facebook

Virtual Assistant

Why Hettler Insurance Does Not Use Virtual Assistants | Protecting Your Personal Information Matters

Hettler Insurance Agency

Trusted. Expert. Advisors.

Don’t Do Insurance Alone!

Call (806) 798-7800