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1333 W McDermott Dr Suite 200
Allen, TX 75013

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Brent Davis Insurance Blog

What is Underinsured and Uninsured Motorists Coverage?

Texas is an at-fault state which means that the party who causes an accident is obligated to cover the medical expenses and property damage for the other person. For this reason, each person has to carry liability automobile insurance with $30,000 allocated to injuries per individual, $60,000 per accident, and $25,000 in property damage. 

Drivers in Allen, TX are not mandated by law to purchase underinsured and uninsured motorists coverage, but many choose to do so for the benefits it confers. Your Brent Davis Insurance agent can go over the particulars in further detail. 

What is Underinsured and Uninsured Motorists Coverage?

When a driver collides with you and has no insurance, it can leave you with no recourse but sue, and there is no guarantee of recovering your financial loss. This can cost time and money, causing you to miss work and further compound the outlay. You could also be involved in a wreck with someone who flees the scene and is unavailable to collect insurance information. 

Underinsured drivers can also present you with a problem. Their coverage is not sufficient to pay for the injuries and car repairs they cause, leaving you with significant bills to contend with, in addition to your need to recover your health. 

Underinsured and uninsured coverage spares you the difficulties of using the legal system to recoup your monies, as those without satisfactory insurance or who have none at all, very often don’t have resources for you to win in a lawsuit. Underinsured and uninsured coverage allows you to make a claim to have your expenses paid for. 

Brent Davis Insurance Goes to Work For You

We help Allen, TX residents with their indemnification needs, and we look forward to hearing from you. Call us, send us an email, or stop by the office, and we can further discuss your needs. 

Will commercial insurance cover the car accident I had while making a business delivery in my personal car?

Commercial insurance provides a lot of protection for business owners. It can protect a business from liabilities, risks, and other unforeseen circumstances. Our Allen, TX team at Brent Davis Insurance understands how important protecting business assets is to business owners. As a result, we’re committed to helping business owners understand the benefits of commercial insurance. 

What is Commercial Insurance?

Commercial or business insurance is designed to provide protection for a business or corporation. Business insurance protects employees, the owner, and the business itself. Commercial insurance isn’t one size fits all. Business insurance provides many different forms of coverage because there are many different types of businesses with many different needs.

Will Commercial Insurance Cover The Car Accident I Had While Making A Business Delivery In My Personal Car?

The short answer is "no." As a business owner, there are many tools that you may need to run your business. Some of these tools may require you to use your personal resources. However, commercial insurance will protect these resources. You need commercial auto insurance if you use your car for your business.

Your personal auto insurance will not cover a car accident if you have it while using your car for your business. Personal auto insurance covers accidents you have during personal use. It’s not designed to cover business-related accidents. Commercial auto insurance is what you need to cover car accidents while using your car for business-related purposes.

The coverage limits for commercial insurance are usually larger and more expansive than personal auto insurance coverage.

Contact Us Today

If you have questions regarding commercial insurance and what’s covered, call us at Brent Davis Insurance in Allen, TX. We’d be happy to answer your questions.

Home Insurance FAQs

Wise insurance choices are one of the best ways to protect your investments. This includes the investment you have made into your home. At Brent Davis Insurance in Allen, TX, we are here to help you make those solid insurance choices.

Do I Need Home Insurance?

Your home is one of your most important investments. In order to properly protect it, you need a homeowner’s policy in place. If you are making payments on your home through a mortgage, you will likely be required by law to have insurance on your home. But, even if you do not have a mortgage in place, it is the best way to ensure that your home can be properly repaired or replaced should it be damaged or destroyed. 

What Does Home Insurance Cover?

Your home insurance policy will provide the following types of coverage:

Property damage– If the actual property is damaged or lost, the policy will pay for repairs or replacement. This is a crucial way you can provide stability for your family. If the home is damaged or lost and you can’t pay out of pocket for repairs or replacement, your family could be left without a place to live. 

Liability– You carry a huge responsibility as the owner of the home. If someone is injured in your home or on your property, you could be held liable for their injuries or any legal fees that might result. Liability coverage will protect you and pay for these types of expenses. 

Get Home Insurance Today

If you would like to learn more about home insurance, or any of our other insurance products, please get in touch with us at Brent Davis insurance in Allen, TX. We will be happy to help you. 

Required Auto Insurance in Texas

Driving in Texas requires you to have auto insurance for your vehicle. There are several types of insurance coverage that are required to be in your auto policy. These come with minimum amounts that the state mandates, but it’s generally recommended that you raise the amount of coverage you have above the minimum so that you are better protected.

When you need to get an auto insurance policy, call us today at Brent Davis Insurance in Allen, TX.

Liability Coverage in Your Auto Policy

When you get your auto policy, it is required to have two different types of liability coverage that come in three different amounts of coverage. One is a minimum amount of bodily injury liability coverage for one person who has sustained injuries in an accident. There is a separate amount required for everyone in the accident who has injuries. Both of these amounts primarily pay for medical bills that a third party has in an accident that was your fault. Then there is property damage liability coverage that will pay for the damage to the other party’s property that comes from an accident judged to be your fault. 

Personal Injury Protection

Another type of coverage that comes in Texas auto insurance is personal injury protection or PIP. This is coverage that pays for your own injuries in an accident that you caused. While Texas policies come with this coverage, you can waive PIP in writing if you choose not to have it. 

Get Auto Insurance

Getting your auto insurance is highly important to keep you legal s you drive. Going without it can open you up to a number of fees and fines. To get your auto insurance with all of the right coverage types, call us today at Brent Davis Insurance in Allen, TX.

Do I Need Workers’ Compensation Insurance If I Have Commercial Insurance?

If you are a business owner, you know there are many insurance policies you need to have enough protection. One of the most important is workers’ compensation insurance. The question is, do you need it if you already have commercial insurance? Brent Davis Insurance in Allen, TX can help you decide which policy is right for your business.

Here are the differences between workers’ compensation and commercial insurance:

What Is Commercial Insurance?

Commercial insurance covers businesses for claims arising from their operations. It can protect your business from claims of negligence, property damage, personal injury, and more. Commercial insurance policies are tailored to the specific needs of the business.

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance covers businesses for claims arising from injuries to their employees. It can cover medical expenses, lost wages, and death benefits. Workers’ compensation insurance is typically required by law in most jurisdictions.

Can Commercial Insurance Cover Employee Injuries?

Yes, commercial insurance can cover employee injuries. However, it’s important to note that workers’ comp typically provides more comprehensive coverage. For example, it may cover medical expenses not covered by commercial insurance.

Things like prosthetic devices and rehabilitation. Additionally, workers’ compensation insurance may provide death benefits to the family of a deceased employee. Commercial insurance typically does not.

So, Which Policy Do I Need?

Workers’ comp is not mandatory in Allen TX. However, Brent Davis Insurance always recommends that clients err on the side of caution and purchase a policy. Commercial insurance is also crucial in that it offers protection against a variety of different risks.

That said, it’ll not be enough on its own to protect your business in the event of an employee injury. The best way to ensure your business is fully protected is to purchase both policies.

Give Us A Call

As a business owner, it’s crucial to have the right insurance coverage in place. Workers’ compensation insurance and commercial insurance are both essential policies that can protect your business from different risks. Brent Davis Insurance in Allen, TX can help you determine which policy is right for your business. Contact us today to learn more.

What Are The Different Types Of Home Insurance?

Residential and commercial are the two primary categories. Some people buy coverage to protect their homes in the case of a fire, while others buy it to protect themselves from uninsured motorist claims. 

Some purchase liability coverage, while others may want liability and property policies. For inquiries pertaining to your specific needs, reach out to Brent Davis Insurance in Allen, TX. 

Different Types Of Home Insurance

Residential home insurance covers the structure of your home, including the value of the property and any additions you have made. It also covers any possessions inside your home. 

Commercial home insurance covers the building itself, any equipment that is in the building, and any inventory in the building. Some of the most common types of home insurance include: 

  • Dwelling Insurance: This type of policy covers the structure and contents inside your house from fire, wind damage, and other perils.
  • Personal property insurance: This type of policy covers your personal possessions such as furniture, electronics, and clothing from fire, theft, or other perils.
  • Homeowners insurance: This covers your home, its contents, and the people who live inside. Most homeowner’s insurance policies will cover the damage or loss of your home if there is a covered peril such as a fire, lightning strike, or tornado. 
  • Liability coverage: This type of coverage protects you from lawsuits brought on by someone who has been injured on your property. For example, if someone slips on the ice in front of your house and is hurt because you did not shovel it off, they can sue you for compensation for their medical bills. 

Liability coverage also pays any damages awarded by a court if you lose a lawsuit brought against you. They might be injuries caused on your property or damage done to another person’s property through negligence while working on or around your home or car etc. 

Contact Us Today

The home insurance policy protects your home and other property against a wide range of disasters like fire, storm, theft, vandalism, and so on. A variety of home insurance plans are available in the market depending on the coverage you choose to have. For expert insurance advice in Allen, TX and surrounding cities, give us a call at Brent Davis Insurance.

What Are Some Things I Can Do To Avoid Paying Auto Insurance Claims?

The best way to avoid paying auto insurance claims is to not get into an accident. However, if you do, the best way to avoid paying auto insurance claims is to have a solid automobile insurance policy. Many people think that having the minimum amount of coverage is sufficient. 

If you got an auto accident injury and your medical bills are $10,000, and your policy only offers $5,000 of coverage – you could be responsible for the remaining $5,000 out of pocket. Ensure you comprehend the policy and know what it doesn’t cover. If you have more questions about automobile insurance or your liability limits, call Brent Davis Insurance or visit us in Allen, TX. 

Avoiding Insurance Claims 

If you want to avoid paying auto insurance claims, get the most out of your policy. This may include purchasing additional coverage, having the right coverage, and shopping around different firms for the best policy. Finding the right policy will help you avoid paying auto insurance claims in the future. Driving safely is the key to reducing your risks during an accident. To avoid claims and to save more, consider the below claims: 

  • Shop around
  • Compare insurance costs before purchasing a car.
  • Request greater deductibles. 
  • Reduce your premium for older vehicles 
  • Purchase auto and house cover from the same company. 
  • Maintain a good record. 
  • Benefit from low-mileage savings.

Avoid paying a claim by purchasing the right amount. There’re those who pay excess because they are not accurately calculating their risk. If you have had a few traffic violations or accidents on your record, you will likely be charged a higher premium. Also, keep your car well maintained. 

Contact Us Today

One of the best ways to avoid paying claims on your auto insurance policy is to maintain comprehensive collision coverage on your car. The insurance protects your car against natural disasters, vandalism, and falling objects. Collision coverage caters to your car repair when it collides with another one. 

You can take precautions like installing a dashcam to record your driving, maintaining your car according to the manufacturer’s recommendations, and avoiding driving at-risk times ( rush hour, rain, ice). That way, you can prevent auto insurance claims and keep your insurance rate low. For help, call Brent Davis Insurance serving Allen, TX and surrounding areas.

Commercial insurance FAQs

Choosing an insurance agency that has experience helping businesses to identify and mitigate their risks is important. Once you know what the main risks are, you can get insurance to help you survive the problems that arise. At Brent Davis Insurance in Allen, TX, we take that responsibility seriously. We get to know our clients and their business. We are independent agents and work with many carriers. This allows us to find the one that can provide the coverage you need at the best price.

Commercial insurance FAQs

What commercial insurance is required in Texas?

Texas is the only state that has no commercial insurance requirements, not even workers’ compensation. Having said that, it is a good idea for most businesses to have some sort of commercial insurance to protect their assets.

What is a BOP (Business Owners Policy)?

A BOP is a combination business insurance policy that is designed for small to medium businesses and, in the most common form, includes commercial property insurance and commercial liability insurance. This offers a lot of protection and by combining the two together, the price is usually better. Another option is to include business interruption coverage, which is another important type of coverage for smaller businesses.

What does commercial property insurance cover?

Commercial property insurance covers the building if you own it and also the content. These are all the things you need to do business. Depending on what type of business you have, it can be machinery, displays, tools, inventory, office furniture and machines, electronics, and raw materials. It covers the things that you use to conduct your business.

Contact Brent Davis Insurance in Allen, TX to let us help you and your business to protect yourselves from all the things that can and will go wrong. Call us for an appointment.

Should I get auto insurance?

Driving a car in Allen, TX will continue to be a need for many people. If you want to buy a car in this area, you will also want proper insurance. There continue to be great reasons to get into a new policy.

Insurance Will Keep you in Legal Compliance

One of the reasons you should get coverage is that it will keep you in legal compliance. All people that drive a car or other vehicle in Texas are going to be required to have auto insurance, which will offer valuable liability protection. Ultimately, this coverage protects all people that are on the road. When you get a full insurance policy, you will stay in compliance with your legal requirements.

Insurance Protects Asset

Your car is going to continue to be a very important asset that needs to be protected as well as possible. If you invest in a policy that offers you collision and comprehensive protection, you will have the coverage needed to repair or replace your vehicle. This could end up saving you a lot of money in the long run if your car is stolen or damaged in any way. Further, any auto lender will want you to invest in this protection as well.

As you are searching for a new policy in the Allen, TX area, it would be a good idea to reach out to the team at Brent Davis Insurance. Picking a policy for your auto insurance is very important but is also not a very easy decision to make. If you look for a new policy here, you will want to work with Brent Davis Insurance, as they can answer any of your questions and help you pick a good policy.

Making sure your home is prepared for an emergency

Nobody likes to think about an emergency happening at their home, but being prepared makes it much easier to deal with. There isn’t any way to predict every possible emergency that could happen, but there are some major ones that you can be prepared for. At Brent Davis Insurance in Allen, TX we take the responsibility of making sure our customers have the perfect coverage seriously. We make sure we get to know you before making suggestions.

Lots of different sorts of emergencies can cause problems at your home. One of the most serious is fire. Making sure that you have working smoke detectors is vital. Batteries need to be changed every six months. If you have a fireplace, it should be cleaned every year to lessen the risk of fire in your home.

You should have a home inventory and it should be stored in a safe place that will allow it to survive an emergency. You need to have a fire-proof and water-proof storage container to hold all of your important papers and if you must evacuate your home, you can take it with you. Having the important papers in a safety deposit box is also not a bad idea with a copy in the cloud.

You need to have a plan for any emergency that could happen. Having an evacuation rehearsal is a good idea. Make sure every member of the family knows where you should gather in the event of an emergency. Have an evacuation route in case there is flooding or a tornado. Have a generator or backup power in the event you lose electricity. An emergency kit with batteries, water, and snacks is a good idea.

Contact Brent Davis Insurance in Allen, TX when you are ready to discuss your home insurance coverage.

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