Accc Insurance Company filed as a Statement & Designation By Foreign Corporation in the State of California and is no longer active. This corporate entity was filed approximately four years ago on Monday, August 5, 2013 as recorded in documents filed with California Secretary of State. It is important to note that this is a foreign filing. A foreign filing is when an existing corporate entity files in a state other than the one they originally filed in. This does not necessarily mean that they are from outside the United States.
Medigap Plan G vs. Plan F may be a more affordable option for seniors over the age of 70. Many seniors ask us about the difference between Medicare Supplement Plans. Medigap Plan G and Plan F are without a doubt the two most popular Supplement plans available.
Medigap Plan F offers nearly 100 percent coverage and is nick-named the “Medicare excess charge” plan because it covers costs that are in excess of the Medicare-approved amounts. This plan will provide you with as close to zero out-of-pocket costs as possible for doctor’s office visits and hospital care. Therefore, the plan pays 100% of any excess charges that Medicare doesn’t cover. This plan allows providers to charge only 15% over Medicare limits. There are low premium deductible and high deductible plans available with Plan F and the average deductible is usually around $2,500.
Medigap Plan G offers a very affordable option, especially if you are over the age of 70. It covers everything the Plan F covers but at a lower premium. The only difference is there is a small deductible in a Plan G which is actually your Medicare Part B deductible. You Medicare Part B deductible in 2013 was $147.00. Once you meet this annual deductible your Plan G acts like a Plan F. Since this is the Medicare Part B deductible you only have to meet it one time every year, so if you move to a Plan G with another company and you have already met your deductible for the current year you do not have to meet it again. It’s a great option if you want a lower monthly premium. And it’s worth looking into especially if you are over the age of 70 and on the Plan F. At age 65, there’s not much of a premium difference, but when you are older, the difference can adjust to a savings in premium.
Shop for Medicare and Medigap with Local Texas Agent, Austin Insurance Group. We shop, you save! (512) 339-1515
In Texas, 1 in 5 vehicles are not insured, now we know who they are. TexasSure is a vehicle verification program that gives law enforcement officers immediate access to see if you are driving without insurance.
What is TexasSure?
It’s a Database that connects every registered vehicle in Texas by it’s vehicle identification number (VIN), license plate and liability insurance policy.
It was created to reduce the number of uninsured drivers.
Who reports to TexasSure?
Your insurance carrier
Every time you start a policy, or your policy gets cancelled, it gets reported.
When you get insurance, you are good to go. When you let it cancel, watch out.
In Texas, 20% of the vehicles on our roads have no insurance coverage. Almost 1 in every 5 trucks and car. Insured Texans are paying an estimated $1 billion annually in uninsured motorist coverage just to protect themselves against uninsured and underinsured motorists.
Are you driving without insurance?
This program will help to put an end to:
Uninsured motorists
Fraudulent ID cards
Drivers dropping coverage after receiving a valid insurance card
If you want your friends and family to call Medicare on your behalf Fill out an Authorization Form. Medicare can’t give personal health information about you to anyone without your permission in writing first.
Sign up for MyMedicare.gov, access your personal Medicare information 24 hours a day, every day. You can:
Keep your Medicare information in one convenient place
Learn what Medicare covers. You’ll get a list of items, tests, and services that are covered no matter where you live. If your service isn’t listed, talk to your doctor or other health care provider and ask if Medicare will cover them.
Travelers Insurance is one of the largest providers of property and casualty insurance products in the U.S. Traveler’s success is built on their ability to provide innovative insurance, risk protection and services in-synch with our customer’s needs.
About Travelers Insurance
Travelers is an insurance leader, committed to keeping pace with the ever-changing needs of our customers, and anticipating their needs for the future.
Travelers is a company that works hard to analyze information, process perspectives and measure results to create the best combination of service and products. We strive to achieve superior customer service and to earn our customer’s loyalty by continually improving our abilities to respond to their needs.
Today, more than 150 years after our founding, Travelers Insurance is one of the nation’s largest property casualty companies. Travelers has more than 30,000 employees, 13,000 independent agents and multiple market segments across the personal, business, financial and international insurance groups.
Minimizing risk, preventing loss and helping our customers prepare for the unknown, Travelers’ comprehensive products, support and services give businesses and individuals the confidence they need to feel secure.
Contact Austin Insurance Group, our Local Texas Agent today, to compare your auto and home insurance needs today. (512)339-2901
“Building Ordinance or Law — 50% of Coverage A. What is “Coverage A” and what is the amount? My current policy simply identifies $5k for the coverage. How does your policy differ, if at all? Uncertain what the coverage actually is…”— S.L. (Austin, Texas) 3/18/16
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What is Building Ordinance or Law on a Texas Home Insurance Policy?
Building Ordinance or Law Coverage applies whether you suffer a total or partial loss to the structure. This valuable coverage can save you thousands of dollars in upgrades that you would have to pay out of pocket. Ordinance or Law limits are usually a percentage of your Coverage A Dwelling limit. For example, if the Dwelling amount on your home is $200,000 a 50% option will allow up to $100,000 in upgrades due to building code requirements; a 25% option will allow up to $50,000 and some companies offer a flat coverage amount.
Did you know rebuilding your home to meet current codes or demolishing what is left of it might increase your costs up to 50%? Your state or city may have laws or building codes that greatly affect the reconstruction of a damaged home. These building codes change over time and they usually become more demanding. If a windstorm or other loss event damages your home, these local ordinances may increase the cost to rebuild, repair or demolish your home and add to your out-of-pocket costs. Building Ordinance or Law Coverage can help protect you from these increased costs due to new regulations.
Most homeowners policies will limit the amount of coverage for the following increased costs caused by adherence to current ordinance or law.
The construction, remodeling, demolition, renovation or repair of a structure or building
The reconstruction or demolition of the undamaged portion of a covered structure or building
The removal, remodeling or replacement of the portion of the undamaged part of a structure or building needed to complete your repair
Here is an example of how the Building Ordinance or Law Coverage applies. Your home sustains damage to the roof when a tree falls into your bedroom during a windstorm. Roof repairs will probably require costlier shingle replacement and minimally, hurricane roof straps or specific size roof nails. These more expensive items will add significant costs to your repair bill. Building Ordinance or Law Coverage pays for those costs, which insurance carriers would otherwise consider an improvement to your property absent the coverage. Without this endorsement, you must pay the additional costs. Add these costs to your deductible and you can see why this coverage can be critical to your budget.
As safety research grows, building codes reflect that new knowledge of how to make property safer and better able to withstand wind and other natural forces. The older your home, the more likely it is to have code upgrades after a loss. For example, a home built in 1990 would have had much less stringent local building codes governing your plumbing, electrical, or roof systems. To bring a 1990 home up to today’s standards would cost more than simply repairing the damage.
You don’t want to learn the hard way, after you have suffered a loss. Talk to your agent today about this important coverage. If you would like to learn more about Homeowners Insurance from Austin Insurance Group, please contact our office at 512-339-2901 or get a quote online.
What is the difference between all risk insurance policy and named peril policies? Read more to find out the difference and why we recommend the all risk home insurance policy.
From Ask an Agent
“I highly appreciate your offer to assist clarifying home insurance for my house. Will you please check out the attached offer and tell me what is different than AIG one?”— W.S. (Austin, Texas) 3/9/16
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Basically, insurance companies write two kinds of policies for homeowners:
all risk insurance
named peril policies
All Risk Insurance Policies
All risk insurance policies are also referred to as an open peril policy or comprehensive policies. (All risks are typically HOB and HO3 policy types) vs. (Named peril policies, HOA policy types).
An all-risk insurance or open peril policy covers everything that’s not “excluded.” Every thing is covered except what is specifically excluded in the policy. The all-risk insurance policy usually costs more than the named peril policy because it offers more coverage and is more comprehensive. Under an all-risk policy, the burden is on the insurance company to prove that the peril causing the damage is not excluded. If it’s not excluded, coverage applies. Since the limitations and exclusions are the key to determining what coverages are provided by an all-risk policy, it could be called a “named exclusions” coverage. The most common perils excluded in an all-risk policy include:
Earthquake or earth movement
War
Flood, seepage, mudslide, and sewer backup (and sometimes surface water that builds up after heavy rains, underwater springs, groundwater, burst water pipes, overflowing toilets, and wind or wave-driven water)
Boiler explosion
Governmental seizure or destruction of property
Off-premises utility service interruption
Building ordinance or law
Seepage or leakage of water over a period of time
Electrical damage to electrical devices
Wear and tear; rust, corrosion, fungus, decay, deterioration, hidden or latent defect smog; settling, cracking, shrinking, or expansion; nesting, infestation or release of secretions by insects, birds, rodents or animals
Damage to building interiors by rain, snow, sleet, ice, sand, or dust unless the roof or walls are first damaged – except damage by thawing of snow, ice or sleet
Mechanical breakdown
Theft of building materials and supplies not yet attached to buildings
Employee dishonesty
Pollution
Named Peril Policies
Named peril insurance covers only what is specifically noted in the policy. For example, if it doesn’t say you’re covered for backup of sewers or vandalism damages, you are not covered. The named peril insurance policy only covers certain and specific perils, and this type of policy is usually less expensive than an all risk home insurance policy.
A typical named peril policy typically would cover:
fire
hail
windstorm
aircraft
vandalism
smoke
Earthquake and Flood insurance are two other common type of named peril policies and are written as separate policies. When your property insurance coverage is written on a named peril basis, the burden is on the insured. You must prove that one of the named perils caused your loss
Which coverage is the better choice? Lenders recommend an all risk home insurance policy.
If you’re paying a mortgage, you probably do not have a choice. Most lenders require that you protect your investment with a comprehensive policy, all-risk policy.
For others, the type of insurance to purchase should be need-based depending on the type of property you have and your location.
The advantage of an all risk home insurance policy is that it covers you in the event of a loss you did not predict. Even though it will cost more, in a world where freak accidents happen, the broader your insurance coverage, the better off you’ll probably be.
Just be sure to read the fine print so that you’re clear about the stated exclusions.
Texas SR22 Auto Insurance is Financial Responsibility for Crash, Conviction or Judgment.
According to the Safety Responsibility or Evidence of Financial Responsibility law, persons whose driving privilege has been suspended or revoked are required to file and maintain a Form SR22 with the Department. Form SR22 insurance is usually mandatory for a minimum period of two (2) years from the date of conviction. Check with the DPS for your Texas SR22 Auto Insurance filing requirements.
NOTE: An insurance card or policy cannot be accepted in place of the Form SR22.
Has your driver’s license been suspended for an accident, DWI, or any other reason in Texas?
Are you feeling stressed and uncertain about what to do?
Do you need a Texas SR22 auto insurance policy or out-of-state filing?
We can help!
Get your Texas SR22 auto insurance policy online, in person or by phone from Austin Insurance Group, a local Progressive insurance agent. SR22 filing is included for any state in the US.
Let Austin Insurance Group restore your peace of mind.
It’s simple!
Contact our office today for more information on Texas SR22 Auto Insurance.
Request a quote online or by phone.
For an online quote, ever your zip code to start a Texas SR22 Auto Insurance quote.
On the driver’s tab, Simply check “yes” for SR22 statement.
The SR22 will be included in your quote.
Get Rates Instantly with Progressive.
You can purchase a policy online, over the phone, or by appoinment.
Your SR22 will be electronically filed with the DPS within 24 hours.
We will email you the SR22 immediately.
You will also have online access to your documents within 24-48 hours.
Contact our local office at 512-339-2901 for additional questions or to compare rates with other top-rated Texas Insurance Companies that we represent.
Texas SR22 Auto Insurance
Same Day SR22 Filing any state in the US
Austin – Cedar Park – Pflugerville Texas SR22 Auto Insurance For All Texas Counties
(Texas and Out-of-State Filings)
Walking into a body shop without a handle on how to read a repair estimate can be pretty daunting. We want you to know exactly what’s involved in the repair process, so we’ve compiled a few common elements of repair estimates to build your knowledge — before you step into a body shop.
How Estimates Are Determined
An estimate is just that — an estimate of the cost involved to safely repair your vehicle to pre-accident condition. Repair estimates vary depending on several factors including labor rates, parts prices and the amount of time necessary to perform certain repairs, but the main elements are the initial estimate, the supplemental estimate and an agreed price.
The Initial Estimate
Your claims representative will prepare an initial repair estimate so the repairs can begin. Your claims rep also can help you understand your choices to repair your vehicle. You have a choice in how you want your vehicle repaired: You can choose your own repair shop.
The Supplemental Estimate
If the body shop you choose discovers additional damage when repairing your vehicle, your claims representative will “reinspect” the vehicle. Re-inspection is not unusual — a vehicle involved in a crash may have damaged parts that are not visible when the initial estimate is written but become visible once the repairs begin. At this point, the claims representative and the body shop representative review the damage to your vehicle together and make appropriate revisions to include all damaged parts that are found.
Agreed Price
Claims representatives write estimates based on parts and labor costs associated with the repair. If the body shop’s estimate is higher or lower, your claim’s representative will discuss this difference with the shop, and they will agree on a price for repairs. Your claims representative will keep you informed of the repairs every step of the way.
Accc Insurance Company filed as a Statement & Designation By Foreign Corporation in the State of California and is no longer active. This corporate entity was filed approximately four years ago on Monday, August 5, 2013 as recorded in documents filed with California Secretary of State. It is important to note that this is a foreign filing. A foreign filing is when an existing corporate entity files in a state other than the one they originally filed in. This does not necessarily mean that they are from outside the United States.
Walking into a body shop without a handle on how to read a repair estimate can be pretty daunting. We want you to know exactly what’s involved in the repair process, so we’ve compiled a few common elements of repair estimates to build your knowledge — before you step into a body shop.