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Just fill in the form to the left and get started with your customized policy!

Occasionally you may feel as if your entire working life is defined by a single event each year—vacation. Taking a vacation is one way of reminding you of the reason for working so hard all year round, but you should plan in such a way that you get the most value for your money.

It’s simple to forget about rental car insurance when budgeting for your vacation. So if you don’t want to arrive home from your holiday with a car repair costs that competes with the cost of a holiday abroad, consider purchasing rental car insurance or at least finding out whether you already have adequate protection from other sources.

Will your current car policy cover it?

First things first, contact your insurance agent. They can tell you what coverages you have for rental cars on your current auto policy. You need to be sure to have something to protect yourself in the event of an accident, theft, and vandalism. This coverage should include protection for damage to the car, as well as also property damage and bodily injury.

Will your credit card cover it?

Secondly, check with your credit card company. Many credit cards offer special protections for their clients when they use the credit card to pay for their rental car fees, check if yours does. When you do, make sure to ask about any special restrictions in order to obtain the insurance coverage.

Will you be the only one driving?

Lastly, you need to make sure that the other drivers have the same coverages, because your personal insurance and credit card protection might not extend to other individuals who are not named on your credit card or auto insurance policy.

By managing the advantages offered by both your credit card and your auto insurance policy, you could avoid the expense of rental car insurance. But if there are any gaps in the coverages you get between the credit card and auto policy, make sure you try to fill it with the insurance offered by the rental car company. This way you can spend your vacation relaxing and enjoying yourself rather than fretting about possible damages and expenses.

Call us to talk about your car policy or get a free car insurance quote in Texas by calling (254) 547-2381.

It can be challenging to deal with all of your different insurance policies and assets that you have between your business and personal life. From business insurance to home insurance, life insurance to auto insurance for your personal and business vehicles the perfect balance of personal and business coverage can be hard to manage. Although a lot of these complex insurance arrangements cannot be simplified, the one involving your business and personal car insurance can be.

When you buy a business auto policy to cover your company car you can choose the Drive-Other-Car endorsement to cover your driving activities with a personal vehicle rather than buying a separate policy for personal use. 

What is included in this endorsement?

The coverage provided under this endorsement is similar to that of conventional, personal auto insurance but only one bill payment is necessary—to your business auto policy. This makes paperwork easier for you and lessens the risk of one of your policies being interrupted due to nonpayment. The Drive-Other-Car endorsement can also be used to provide coverage to employees who are provided with a company car to take home.

The Drive-Other-Car endorsement can also provide bodily injury and property damage liability coverage as well as uninsured or underinsured motorist coverage. Whatever limits and deductibles you choose for the business auto insurance policy are extended to the endorsement.

Critical Factors to Consider

The Drive-Other-Car endorsement does not just cover you when you drive personal vehicles, it can also cover claims resulting from accidents that occur while you, or a covered employee, are driving a rental vehicle or a friend’s car. That helps to make this extremely flexible endorsement extremely comprehensive.

This endorsement can cover other drivers in the employee or business owner’s household too—but you must read your policy before you assume that this is the case. If your policy does cover household members then they will be protected whether driving a rental car, borrowed car or their own personal vehicle. However, this does not mean that they are covered under the business portion of your policy if they use your company vehicle.

In order to qualify for this endorsement, the business vehicle you use and insure must be owned by your business and not by you, a spouse or a member of your family. When looking for ways to buy insurance policies that protect you against financial risks and simplify your life, additional endorsements like the Drive-Other-Car endorsement are important and valuable tools to consider.

Contact us at (800) 212-2641 for a free company car insurance quote or visit our office.

During your daily routine at home, you possibly don’t think much about the different potential liabilities you are accountable for within the very same building that you and your family rely on for comfort and shelter. But there are many accidents that could happen to others within your home that would result in medical bills and damages and that you, as the homeowner, could be liable for. These incidents could take money out of your savings, retirement fund and college savings plans unless you have the appropriate insurance to cover them.

Potential Liabilities as a Homeowner

Here is an idea of what these potential liabilities could consist of:

Indoor injuries: If a guest or visitor to your home is injured while on the premises by trip and fall over a loose floor tile, you could be liable for both damages and medical expenses.  The costs of these expenses could be extremely high and may even include recompense for loss of work.

Miscellaneous injuries: Visitors to your home could be injured in your yard or garden, around or in your pool, within your storage shed or even by your dog. In fact, your dog could bite someone who isn’t even on your property. Similar to the other accidents we mentioned, this would fall under a homeowner’s liability.

Property damage: If one of your children throws a ball through a neighbor’s window or if one of your trees falls on a neighbor or visitor’s car, you could be liable for repair, replacement, loss of use and other damages.

Accidents within your home can happen any time—whether you’re having friends over for dinner, throwing a party, showing your home to a neighbor or potential buyer, or even entertaining out-of-town relatives. Homeowners liability coverage is designed to protect you against the financial exposure brought on by these liabilities that, whether you know it or not, are a constant part of your life. The benefits of liability insurance can extend well past the inside of your home and protect you from offsite accidents as well.

There is no reason not to have proper liability coverage for your home. Doing so not only protects your family but also ensures that anyone injured on your premises or suffering damages as a result of your family, property or pets will get the medical treatment and funds for damages that they deserve.

To learn more about Texas Homeowners Insurance contact us at (800) 212-2641 or get a free home insurance quote.

Insurance companies have to regulate their liability in a practical manner. This is why there are suicide exclusions on life insurance policies, pre-existing condition exclusions in health insurance policies, and certain pollution exclusions in company car policies. But insurance companies can also offer unmatched coverage that protects you from certain hazards to your business—which is why there is also specific pollution coverages that you can add to your company car policy. Let’s explore the differences between the exclusions and the coverages.

The Pollution Exclusion
Your business car policy covers bodily injuries that your employees may sustain in a collision unless the injuries are a result of the release, seepage, dispersal or escape of pollutants from your company vehicle. In general, your employees should not be handling pollutants in any form unless you have the suitable coverage for this business activity. When you are handling and getting rid of pollutants in the proper manner, then obtaining coverage for these essential activities is easy and affordable. For most businesses, this is not an issue. Only select companies need to deal with waste and storage of pollutants. But it is crucial to understand what is considered a pollutant before you verify whether or not the exclusion will impact your business. Common items like paint, oil and industrial solvents may be considered pollutants so even something as simple as an office renovation could result in the transportation of pollutants.

Optional Pollution Coverage
There are periods when your company may need to be involved in the haulage and removal of pollutants. If you have pollutant coverage in your business auto policy and you are handling the pollutants in the proper way, when an incident takes place then your insurance company will usually not exclude the claim. When you are regularly involved in the disposal, storage or transportation of pollutants, this is coverage you should definitely have. Not only can it help you manage claims of injured parties and workers but it can also take care of any fines imposed by the government as a consequence of the accident and any ensuing spill of pollutants.

So before you decide whether or not to add pollution coverage to your company car policy or to accept the exclusion, try to evaluate the daily, weekly and monthly activities of your business to determine just how feasible that coverage would be for you—and just how risky it might be to go without.

Contact us at (800) 212-2641 for a free company car insurance quote or visit our office.

Auto Insurance

Why do you need auto insurance?
It's really all about protecting yourself financially.

• If you're in an accident or your car is stolen, it costs money, often a lot of money, to fix or replace it.
• If you or any passengers are injured in an accident, medical costs can be extremely expensive.
• If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.
• Not only is having insurance a prudent financial decision, many states require you to have at least some coverage.

Questions to ask your agent
Your Independent Agent is an advocate for finding auto insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

• How much can you afford to pay if you get in an accident? (To keep premiums low you may want to have a higher deductible and be willing to pay more for repairs.)
• What is the insurance company's level of service and ability to pay claims?
• What discounts are available? (Ask about good driver, multiple policy and student discounts.)
• What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Texas

Texas is the second-largest U.S. state by both area and population, and the largest state in the contiguous United States. The name, meaning "friends" or "allies" in Caddo, was applied by the Spanish to the Caddo themselves and to the region of their settlement in East Texas. Located in the South Central United States, Texas is bordered by Mexico to the south, New Mexico to the west, Oklahoma to the north, Arkansas to the northeast, and Louisiana to the east. Texas has an area of 268,820 square miles, and a growing population of 25.1 million residents.

Due to its size and geologic features such as the Balcones Fault, Texas contains diverse landscapes that resemble both the American South and Southwest. Although Texas is popularly associated with the Southwestern deserts, less than 10% of the land area is desert. Most of the population centers are located in areas of former prairies, grasslands, forests, and the coastline. Traveling from east to west, one can observe terrain that ranges from coastal swamps and piney woods, to rolling plains and rugged hills, and finally the desert and mountains of the Big Bend.

At Shawn Camp Insurance Agency, a family-owned-and-operated business since 1976, we pride ourselves on helping you protect your home, automobile and business by offering exceptional service, quality products and unparalleled customer support. Contact us at (800) 212-2641 for a free Texas auto insurance quote or visit our office.