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FAQ
1. Why do I need to buy insurance?

Insurance helps manage risks by transferring potential loss costs to the insurance company for a premium. It provides protection from unexpected accidents and disasters.

2. Do you offer free consultations to new customers?

Yes! We offer free consultations, whether online or over the phone.

3. Can I buy insurance online or over the phone in multiple states?

Absolutely! We’re expanding to offer Medicare Advantage and Obamacare insurance across 15 states. You can easily purchase these policies online or through our toll-free number for expert assistance.

4. Is a VIN number required for an auto policy?

Yes, to ensure accurate pricing and coverage, all carriers require a VIN number.

5. Can I get service in Spanish?

Sí, ¡nuestro personal es completamente bilingüe!

6. Can I buy auto insurance with an international driver’s license?

Yes! We work with carriers that accept international licenses or passports.

7. Why did my policy increase at renewal?

Rates can fluctuate due to factors like market conditions, driving records, age, and more.

8. Is comprehensive and collision coverage required in Texas?

No, Texas only requires liability coverage, but we recommend comprehensive coverage to protect your assets.

9. What do limits of liability mean?

Liability limits are the maximum amounts your policy will pay for bodily injury and property damage. Higher limits offer better protection.

10. What do I need to apply for a general liability policy?

You'll need your business name, address, tax ID, occupation, gross sales, payroll, number of employees, and possibly loss runs (especially for trucking).

11. Do I need a social security number for Obamacare?

No, but you must be legally allowed to work or live in the U.S.

12. How does Obamacare work?

Obamacare offers subsidies based on family income and size. You must meet the minimum income requirement and file taxes to qualify.

13. How long do I have to work to qualify for Medicare?

Typically, 10 years of work (40 credits) are needed to qualify, but disability rules differ.

14. What discounts are available?

Discounts vary but can include home safety features, clean driving records, and safety features on vehicles like accident avoidance systems.                                                                                                                        What is Bobtail insurance, and do I need it?

Bobtail insurance covers your truck when you’re driving without a trailer. It’s essential for independent truckers who operate under their own authority, ensuring protection even when not hauling cargo.

 

15. Do I need Motor Truck Cargo Insurance?

Yes, if you transport goods, this coverage protects against the loss or damage of the cargo. It's crucial for businesses handling valuable freight.

16. What’s the difference between term and whole life insurance?

Term life covers you for a set period, while whole life provides lifelong protection and builds cash value over time. Each serves different financial goals depending on your needs.

17. Can I customize my life insurance policy?

Yes! We offer various riders to personalize your policy, including critical illness coverage and mortgage protection.

Questions?

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