Austin Insurance Group | Local Texas Auto Insurance Agent | (512)339-2901 | Quick Cedar Park/Leander Facts
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If your load is accidentally dumped on a roadway or waterway (Removal Expenses coverage), our coverage pays for the cost to remove debris or extract pollutants caused by the debris. We’ll also pay for costs related to preventing further loss to damaged cargo (Sue and Labor Coverage), legal expenses in the defense or settlement of Claims’ and even freight charges the customer loses because of not delivering a load (Earned Freight Coverage).
A growing number of risk managers require truckers to insure their cargo. You can meet that requirement with Progressive’s Motor Truck Cargo Insurance. It pays when you are responsible for damage to or loss of the cargo due to fire, collision or even hitting or running over the cargo that you transport on behalf of a client.
When you select Motor Truck Cargo insurance, you have to select a limit for your coverage. This limit determines the maximum amount your insurance company will pay for damaged or destroyed cargo. You also need to choose a deductible. A deductible is the amount you agree to pay out of pocket when you have a claim. Choosing a higher deductible is an easy way to lower the price of your insurance, but be sure you choose a deductible that you can afford to pay out of pocket at any time.
Call us at 1-512-339-2901 to see how much you could save on Motor Truck Cargo insurance from Progressive.
Motor Truck Cargo insurance is only available for for-hire trucking risks on policies with one or more of the following body types: dump truck, tractor, most trailers, box trucks, cement mixers, cargo vans, dually pick-ups, flatbeds and car haulers.
Motor Truck Cargo insurance is not available on garbage trucks, limos, hearses, buses, passenger vans or ice cream trucks. The following cargo types are also excluded from coverage (other exclusions may apply):
Motor Truck Cargo insurance is not available in all states and situations. Contact us to learn more.
As an Austin Insurance Group client, you’ll receive expert consultation, exceptional customer service and unparalleled coverage for all of your insurance needs. Contact us today to request a quote!
We now provide coverage through Progressive and Mercury. RideShare drivers need to understand the risks and insurance limits in Texas and buy adequate coverage.
Most insurance companies will not insure you on a personal insurance policy when you are using your vehicle for commercial purposes, especially “for hire” when you are carrying other passengers for money. And even though your rideshare program, like Uber or Lyft covers you when you have passengers, your personal insurance carrier may not cover you at all, and when they discover you are part of a Rideshare program, they may drop you.
Here are some resources for you to review:
•Why Do I Need A Rideshare Insurance Policy?
•Rideshare’s Little White Lie
•Podcast: Everything You Need to Know About Rideshare Insurance
If your current carrier will not insure you, we can. Over the past few months, however, several major carriers have begun offering policies to rideshare drivers. We can now insure you with Progressive on one of their commercial policies. Call for a quote 1-512-339-2901.
Changing insurance may not be a simple matter, since many of us have multiple policies homes, other cars, etc. We’ll do our best to make it as easy of a process as possible. And can provide quotes for all of your insurance needs to make sure you find the best plan, best price and take advantage of all of the discounts available.
Austin Insurance Group offers a comprehensive package of coverages with A-Rated carriers to protect the cannabis industry.
The Commercial General Liability policy has been specifically designed to meet the needs of the cannabis and CBD hemp industry using both ISO and program specific coverage forms and endorsements.
This policy is available to be purchased monoline, or in conjunction with other package coverages including Property, Crop, and Products Liability.
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The Commercial Property policy has been specifically designed to meet the needs of the cannabis and hemp industry using both ISO and program specific coverage forms and endorsements.
This policy is not available to be purchased monoline, and must be purchased in conjunction with the Commercial General Liability policy to form the package.
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The Commercial Excess policy has been specifically designed to meet the needs of the cannabis and hemp industry using both ISO and program specific coverage forms and endorsements.
General Liability must be purchased to qualify for Excess Liability. The Excess Liability does not sit over the Hired Non-Owned Auto endorsement on the General Liability nor does it extend over the Products Liability policy.
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The Products Liability policy has been specifically designed to meet the needs of the cannabis and hemp industry using both ISO and program specific coverage forms and endorsements.
Unlike other markets that offer Products Liability coverage, 100% of our policies are issued without any exclusions to cannabis, hemp, or the derivatives thereof.
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Our Workers Compensation Coverage is exclusively for the cannabis and hemp industry. Our program is the only program created for the cannabis industry and is an alternative to the state run comp programs. We provide compensation to employees injured or who become ill during their employment.
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For more information or to get a quote please contact us.
The Commercial Crop “Living Plants” policy is specifically designed for the cannabis and hemp cultivation industry, which provides unique coverages that no other program offers today. This policy covers the perils of theft and fire and is currently offered to indoor cultivation operations. All seeds, plants, harvested and finished stock must be indoors for coverage to be available.
Crop coverage must be purchased in conjunction with a package policy and is not available monoline.
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A residence homestead that can qualify for the Texas Homeowner Tax Exemption, can be a separate structure, condominium or a manufactured home located on owned or leased land, as long as the individual living in the home owns it. If the land is owned by the homeowner and used for a purpose related to the residential use of the homestead, a residence homestead can include up to 20 acres, i
You may apply for a Texas homestead exemption or homeowner tax exemption or on your principal residence. Homestead exemptions remove part of your home’s value from taxation, so they lower your taxes.
For example, your home is appraised at $300,000, and you qualify for a $40,000 exemption (this is the amount mandated for school districts), you will pay school taxes on the home as if it was worth only $260,000. Taxing units have the option to offer an additional exemption of up to twenty percent (20%) of the total value.
Not all homeowner’s principal residences qualify. To qualify, a home must meet the definition of a residence homestead: The homeowner must be an individual (for example: not a corporation or other business entity) and use the home as his or her principal residence on Jan. 1 of the tax year. An age 65 or older or disabled exemption is effective as of Jan. 1 of the tax year the applicant qualifies for the homestead and applies to the entire tax year.
There are several types of exemptions you may receive.
The completed application and required documentation are due no later than April 30 of the tax year for which you are applying. A late residence homestead exemption application, however, may be filed up to two years after the delinquency date, which is usually Feb. 1.
For the $40,000 general residence homestead exemption, you may submit an Application for Residential Homestead Exemption (PDF) and supporting documentation, with the appraisal district where the property is located. Once you receive the exemption, you do not need to reapply unless the chief appraiser sends you a new application. In that case, you must file the new application. If you should move or your qualification ends, you must inform the appraisal district in writing before the next May 1st. A list of appraisal district addresses and phone numbers is available online.
Travis County – Williamson County – More information on Texas Homeowners Tax Exemption
Travis County – Williamson County – More information on Texas Homeowners Tax Exemption
Texas Comptroller – Property Tax Exemptions
If you temporarily move away from your home, you may continue to receive the exemption if you do not establish a principal residence elsewhere, you intend to return to the home, and you are away less than two years. You may continue to receive the exemption if you do not occupy the residence for more than two years only if you are in military service serving inside or outside of the United States or live in a facility providing services related to health, infirmity or aging.
If you are not the sole owner of the property to which the residence homestead exemption applies, one of these ownership situations may apply.
For example, if you own a 50 percent interest in a residence homestead, you will receive only one-half, or $20,000, of a $40,000 residence homestead offered by a school district.
The completed application and required documentation are due no later than April 30 of the tax year for which you are applying. A late residence homestead exemption application, however, may be filed up to two years after the delinquency date, which is usually Feb. 1.
Contact your local appraisal district for more information regarding your eligibility.
Contact your Local Insurance Agent, Austin Insurance Group for a free, no-obligation insurance quote today.
We get that question all the time. Someone will call and ask for an SR22. But they want to keep their car insurance with their current company. Is that SR22 Insurance Fraud?
Here is what you need to know:
The primary reason most states and insurance companies disapprove of multiple car insurance policies on one car is because of double-dipping.
In the insurance world, double-dipping is called unjust enrichment. This occurs when you get into a car accident and file claims with both of your insurance companies in an attempt to give yourself a financial windfall. Whether you mean to or not. If you are involved in an accident, which proof of Insurance are you going to provide. The one that DPS has on file showing your SR22, or the other one that shows you have full-coverage.
If both of your car insurance claims are approved, you or the claimants might get twice the money for the accident than you would normally receive.
Once you have the checks, and you decide to repair your vehicle with the first settlement and keep the second for your own financial gain. This is absolutely illegal and constitutes insurance fraud. You may even be charged with a felony.
Don’t risk it. If you are still not sure what an SR22 is, please call our office and one of our agent ‘s will review the details with you.
Understanding insurance coverages will help make choosing the right agent, coverage and company a breeze. Austin Insurance Group is here to help you make sense of your insurance.
Glossary of Common Insurance Terms – Glossary
The Texas Personal Auto Insurance Policy offers eight types of coverage. Each coverage only pays up to the dollar limit chosen for that coverage. Understanding insurance coverages, read more below.
Liability Coverage: The current Texas state minimum for liability insurance is $30,000 per person / $60,000 per incident for bodily injury, along with $25,000 for property damage. This coverage pays for other people’s expenses for accidents caused by drivers that are covered under your policy.
Uninsured/Underinsured Motorist (UM/UIM) Coverage: UM/UIM pays your expenses when an accident is caused by an uninsured motorist or an underinsured motorist driver whose liability limits were insufficient to cover your bills. It also pays for damages caused by a hit-and-run driver in accidents that are reported promptly to the police.
Medical Payments Coverage: Medical payments insurance covers the cost of doctors, hospitals and funeral expenses for you and/or your passengers that are a result from an accident, regardless of who was at fault.
Collision (Damage to Your Car) Coverage: Collision coverage pays for damage to your own auto that results from having an accident with another vehicle or object, regardless of fault. Payment is limited to your car’s actual cash value, less your deductible. Actual cash value is the market value of a car like yours before it was damaged.
Comprehensive (Physical Damage Other than Collision) Coverage: Comp coverage pays for damages that are caused by something other than a collision. This includes theft and vandalism, and disasters such as fire, flood, hail or hitting an animal. Like Collision, Comprehensive pays Actual cash value minus your deductible.
Towing and Labor Coverage: Towing and Labor pays for towing charges when your auto can not be driven, plus it includes labor charges, like changing a tire, at the site of the disablement.
Rental Reimbursement Coverage: Rental car coverage pays a set daily amount for a rental car if your car is stolen or is being repaired because of damage covered on your policy.
There are two basic types of homeowners insurance policies – “named peril” and “all risk” policies. Named peril policies, such as the HO-A Plus form, will only cover the perils that are specified in the policy. All risk policies, such as the HO-3 form, will cover everything that is not specifically excluded in your policy. If you compare the inclusions in a named perils policy side-by-side with the exclusions in an open perils policy, you’ll find that the two types provide basically the same level of protection with the exception of options and endorsements. Two important ones are foundation coverage and water backup.
Austin Insurance Group will quote companies who provide both types of policies, however, we highly recommend “all risk” policies.
Floods are not covered under any home insurance policy. Flood insurance is written as a separate policy and FEMA regulates the premiums. If your home is in a flood zone, you will need to provide an elevation certificate in order to provide a quote. Most mortgage companies will require flood insurance for homes in a flood zone, and they often have elevation certificates on hand. If your home is not in a flood zone, there is a flat pricing structure.
Umbrella insurance provides added liability coverage beyond the liability on your home and auto insurance policies, usually in increments of $1 million, $2 million or $5 million. Umbrella insurance policies are typically tied to an auto policy, but we can also quote umbrella coverage for customers who need a stand alone policy. Most companies require $250,000/$500,000 auto liability limits and $300,000 in liability on your home policy as underlying limits. When you are involved in a liability claim that exceeds the limits on your underlying (auto or home) policies, that’s when the umbrella kicks in and pays up to the limit chosen.
Did you know that our Progressive Deductible Savings Benefit can help you save on out-of-pocket claim costs on your auto insurance deductible savings account?
To enroll in the Deductible Savings Bank, a customer must have both:
When a customer stays accident- and violation-free, he or she will earn a $50 “deposit” in the Deductible Savings Bank. For each accident- and violation-free policy period, we’ll deposit another $50.
If Progressive makes a payment for a claim under Comprehensive coverage or Collision coverage for any vehicle, then the applicable deductible will be reduced by the amount in the Deductible Savings Bank.
All additional claims that we pay under Comprehensive coverage and Collision coverage during the same policy period will be subject to the same reduced deductible.
At the next renewal, the balance in the Deductible Savings Bank will be reduced by the amount applied to all auto insurance deductible savings during the previous policy period.
Call our office to find out how much it will cost to add it to your existing policy or with any other questions or concerns. (512)339-2900
(512)339-2900
# 1 Local Platinum Progressive Agent – Austin Insurance Group
2521 Rutland Dr #150 (at the corner of Burnet Rd & Rutland), Austin, TX 78758
13402 Anderson Mill Rd, Cedar Park, TX 78613 (by appointment only)
Best Texas Insurance Agent (austinsurance) in AustinTX and CedarParkTX. Compare auto and home insurance rates with multiple companies from one local agent. Follow Austin Insurance Group on instagram @austinsurance. ATX.
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