There are various types of auto insurance coverage to choose from beyond the minimum requirements of your state. The right coverage limit for auto insurance depends on factors like the city you live in, your vehicle usage, vehicle’s worth and affordability.

Listed below are tips to choose the right coverage for auto insurance:

• State Requirements: Every state has minimum auto insurance requirements and vehicle owners are required to meet with these requirements. In addition to the coverage complying with your state’s requirements, you may buy additional coverage to fit your needs.
• Value of Vehicle: The coverage limit should be chosen such that it is able to cover the cost of repairs or replacement of the vehicle, if needed. Get your vehicle evaluated by professionals to find its current value. The vehicle’s value is governed by multiple factors such as its manufacturing company, model, features, build year, level of use, etc. Also, consider annual depreciation while deciding the vehicle’s value.
• Medical Expenses: Consider the cost of medical assistance in your area before choosing the right medical coverage limit. In case, the medical expenses exceed your coverage limit, you would be required to pay them out of your pocket.
• Property Damage Liability Coverage Limit: This insurance covers the cost of damage caused to other person’s property or vehicle. So, consider your assets & circumstances when choosing limit for this coverage type. Ask yourself if you drive around rural areas where most of the traffic consists of older vehicles or do you drive in areas where expensive vehicles constitute majority of the traffic. This will help you understand average cost of damage and repairs you would be levied upon for damage to other vehicle involved in an accident. Choose your coverage limit based on this average calculation.
• Cost of Insurance: Value of coverage limit has a direct impact on the cost of insurance. Consult a good insurance agent to choose a policy that fits your budget. Ask your agent whether the insurance company offers discounts and incentives for a clean driving record, bundling insurance policies, installing an anti-theft device, etc.
• Professional Assistance: Professional insurance agents can help in choosing the right insurance coverage limit. They are experience and equipped with the knowledge to help you make an informed decision.

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RV (Recreational Vehicle) insurance provides financial coverage to protect your motorhome from unfortunate circumstances like accidents, man-made as well as natural calamities, property damage, etc. Before choosing a RV insurance plan, it is important to understand some important aspects related to RV insurance.

What Are Different Coverage Options Offered by RV insurance?

RV insurance offers following coverage options:

• Bodily Injury & Property Damage Liability: The RV Insurance pays up for the medical bills due to bodily injuries or damage to property of a third party, if you are at fault.
• Comprehensive & Collision: RV Insurance covers the expenses that arise when your RV is stolen or damaged due to reasons other than an accident (Comprehensive Coverage) and damages caused if vehicle is involved in an accident (Collision Coverage).
• Uninsured/Underinsured: This option acts a safety net when the defaulting party in an accident does not have an insurance cover (uninsured) or is insufficiently covered (underinsured). Expenses incurred due to medical treatment and lost wages are covered under RV Insurance.
• Medical Payments: The medical payments coverage pays for medical expenses arising out of injuries caused to anyone involved in the accident, irrespective of who is at fault.

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If you own a car, you are probably planning for the best options of auto insurance near you. Auto insurance offers the protection you need against damages to your vehicle in case of an accident.

Listed below are some frequently asked questions regarding auto insurance which may be helpful in choosing the right auto insurance:

When to Buy Auto Insurance?

The right time to buy auto insurance is right after buying your car. In most states, it is illegal to drive a vehicle that has not been insured. The situation may also be financially draining in case of an accident.

Where to Buy Auto Insurance From?

The best place to buy auto insurance is a reliable and experienced insurance company in your neighborhood. Research on insurance options offered by the company, request an insurance quote and talk to their experts as to which insurance policy will be the best for your needs.

How Much Does it Cost?

The cost of auto insurance is governed by multiple factors. These factors include the coverage limit, type of vehicle, cost of vehicle, deductible, type of coverage, etc. The cost can also be reduced by using discounts such as no claims discount.

What Does Auto Insurance Cover?

It covers bodily injury and property damage liability, comprehensive and collision coverage, uninsured/underinsured, motorist coverage, loan/lease payoff coverage, medical payments coverage, customer parts and equipment/accessory coverage, rental reimbursement, pet injury coverage and roadside assistance.

Will Compensation Be Provided to a Passenger?

The bodily injury and property damage liability will provide compensation for medical expenses and damages caused to a passenger. The amount of compensation depends upon the coverage limit bought by you.

What is Gap Insurance?

Gap insurance refers to the coverage provided for a Loan/Lease Payoff. The insurance coverage provides protection when a vehicle is stolen and cannot be recovered. The coverage is highly recommended for vehicles that are on lease or have a pending loan amount. This insurance can be bought only if the loan/lease is held by a bank/financial institution.

Auto insurance helps in providing a financial cushion against any losses that may be incurred due to an accident or other unforeseen events. Shawn Camp Insurance Agency, Inc. offers a wide range of auto insurance coverage options. The insurance buyers can also opt for personalized insurance to meet individual requirements. To know more about auto insurance in Killeen, contact Shawn Camp Insurance Agency, Inc. 2705 E. Stan Schlueter Loop, Suite 101, Killeen, TX - 76542. You can also log on to www.shawncampinsurance.com or call (254) 526 – 0535.

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Bikes or motorcycles are more prone to risks and dangers. This calls for the suitable precautionary measures and coverage. Motorcycle insurance offers financial coverage against damages incurred due to accidents, vandalism, theft, third-party liability, natural calamity, and many more.

What coverages are provided as part of the motorcycle insurance policy?

Bodily Injury and Property Damage Liability

This covers damage to the other party in case you are the one at fault in an accident. In addition, motorcycle Insurance covers accident-related third-party liability, including property damage expenses and medical payments.

Comprehensive & Collision

A comprehensive plan covers expenses arising when your motorcycle is stolen or damaged in an accident (repair or replacement).

Uninsured/Underinsured Motorist

Uninsured/Underinsured Motorist coverage comes in handy when the defaulting party in an accident does not have an auto/motorcycle insurance cover (uninsured) or is insufficiently covered (underinsured). In addition, expenses incurred due to medical treatment and lost wages are covered under Motorcycle Insurance.

Medical Payments

Medical Payments coverage provides financial assistance by covering the medical expenses arising from the accident, irrespective of who is at fault. Medical payments have a specific limit up to which they can be availed.

Custom Parts & Equipment

In case motorcycle parts and accessories are not readily available in the market, Custom parts and equipment cover ensures that these accessories and parts can be replaced in the event of a motorcycle accident (limits can again vary depending upon the insurance plan you choose)

Roadside Assistance

Roadside assistance is on-ground assistance that covers the expenses of towing your vehicle to the nearest repair facility. It also covers the labor costs in case your motorcycle breaks down or has a mechanical failure while you are on the road. 

Shawn Camp Insurance Agency Inc. is an independent and reputable insurance agency that serves the residents across Texas, including the cities of Killeen, Copperas Cove, Gatesville and Harker Heights. Shawn Camp Insurance Agency Inc. offers protection for your assets and investments by specializing in home insurance, auto insurance, car insurance, RV & travel trailer insurance, motorcycle insurance, boat insurance, watercraft insurance, golf cart insurance, and renters insurance. The agency offers insurance policies that can accommodate each person's unique needs and budgets by providing a variety of insurance plans.

Browse through www.shawncampinsurance.com to choose the best coverage for your motorcycle insurance. You can also visit us at 2707 East Hwy 190, Copperas Cove, TX 76522.

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RV insurance is specifically created to protect your RV from the financial loss incurred due to unfortunate events like accident, weather damage, theft, vandalism and more.

Here are some basics that you need to know about before insuring your RV.

Benefits of RV Insurance

• Allows protecting your passengers
• Prevents financial strain
• Safeguards your possessions (in the RV)
• Stress-free travel
• Can be customized as per the usage and need
• It is mandatory to carry RV insurance to avoid legal penalties

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