Archive for the ‘Auto’ Category

New Requirements for Texas Bodily Injury Limits

Saturday, June 18th, 2011

New Texas Liability Limit Requirements in 2011 As of January 1, 2011, Texas requires that the minimum Bodily Injury limits be increased from $25,000 per injury/$50,000 per accident to $30,000 per injury/$60,000 per accident. Your insurance professionals at Hatcher Kimrey Insurance will be advising you of this mandatory requirement when you renew your auto policy. Remember, Hatcher Kimrey Insurance is always here for you.

Name
Garaging Street Address
City and Zip
Phone Number
Alternate Telephone
Fax Number
Email Address
Mailing Address - if different from above
Street Address
City and Zip
Driver 1 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
Occupation
Driver 2 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
State Licensed
Occupation
Driver 3 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
State Licensed
Occupation
Driver 4 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
State Licensed
Occupation
Vehicle 1 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Vehicle 2 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Vehicle 3 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Vehicle 4 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Violation Information - Last 3 years (minor violations) / Last 5 years (major violations)
Driver 1
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 2
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 3
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 4
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Coverage Information
Personal Liability / Bodily Injury
Personal Liability / Property Damage
Uninsured Motorist / Bodily Injury
Uninsured Motorist / Property Damage
Medical Payment
Deductible Information
Vehicle 1
Comp (Other Than Collision)
Collision
Vehicle 2
Comp (Other Than Collision)
Collision
Vehicle 3
Comp (Other Than Collision)
Collision
Vehicle 4
Comp (Other Than Collision)
Collision
Miscellaneous InformationMiscellaneous Information
Current Insurance Company
Expiration Date
Current Premium
Questions or Comments
Best Time To Contact You
Please let us know the best time to call and discuss your quote.
Or Specify Other:

Recreational Vehicle (RV) Quote

Tuesday, August 3rd, 2010

Please take a few moments and complete the following information.  All information provided is confidential and will be used solely for the purpose of providing you a quote. 

This is not an application for insurance.  If coverage is desired, an application will be provided.


Name
Email
Comments

Boat Quote

Tuesday, August 3rd, 2010

Please take a few moments and complete the following information.  All information provided is confidential. 

This is not an application.  If coverage is desired, an application will be provided to you.


Name
City, Zip
Email
Phone Number
Alternate Phone
Year
Make of Boat and Model
Describe Motor
Comments
Best Time to Contact

Auto Links

Friday, June 25th, 2010

Auto Insurance Links

Kelly Blue Book
Kelly Blue Book provides new and used car prices.

Edmunds.com
Edmunds provides new and used car prices.

American Automobile Association Web Site
Automotive services, insurance, and travel information.


State Requirements

Tuesday, May 25th, 2010

Minimum State Insurance Requirements

For more information go to iii.org

State Liability limits (in thousands of dollars)1 Personal Injury Protection PIP required? True No-fault state? Uninsured motorist coverage required?
Alabama 20/50/25 No No No
Alaska 50/100/25 No No No
Arizona 15/30/10 No No No
Arkansas 25/50/25 Yes Yes No
California 15/30/5 No No No
Colorado 25/50/15 No No No
Connecticut 20/40/10 No No Yes
Delaware 15/30/10 Yes Yes No
D.C. 25/50/10 No Yes Yes
Florida2 10/20/10 Yes Yes No
Georgia 25/50/25 No No No
Hawaii 20/40/10 Yes Yes No
Idaho 25/50/15 No No No
Illinois 20/40/15 No No Yes
Indiana 25/50/10 No No No
Iowa 20/40/15 No No No
Kansas 25/50/10 Yes Yes Yes
Kentucky 25/50/10 Yes Yes No
Louisiana 10/20/10 No No No
Maine 50/100/25 No No Yes
Maryland 20/40/10 Yes Yes Yes
Massachusetts 20/40/5 Yes Yes Yes
Michigan 20/40/10 Yes Yes No
Minnesota 30/60/10 Yes Yes Yes
Mississippi 25/50/25 No No No
Missouri 25/50/10 No No Yes
Montana 25/50/10 No No No
Nebraska 25/50/25 No No No
Nevada 15/30/10 No No No
New Hampshire 3 25/50/25 No Yes Yes
New Jersey4 15/30/5 Yes Yes Yes
New Mexico 25/50/10 No No No
New York5 25/50/10 Yes Yes Yes
North Carolina 30/60/25 No No Yes
North Dakota 25/50/25 Yes Yes Yes
Ohio 12.5/25/7.5 No No No
Oklahoma 25/50/25 No No No
Oregon 25/50/10 Yes Yes Yes
Pennsylvania 15/30/5 Yes Yes No
Rhode Island 25/50/25 No No Yes
South Carolina 25/50/25 No No Yes
South Dakota 25/50/25 No Yes Yes
Tennessee 25/50/15 No No No
Texas 25/50/25 No Yes No
Utah 25/65/15 Yes Yes No
Vermont 25/50/10 No No Yes
Virginia 25/50/20 No Yes Yes
Washington 25/50/10 No Yes No
West Virginia 20/40/10 No No Yes
Wisconsin 25/50/10 No Yes Yes
Wyoming 25/50/20 No No No
1. The first two numbers refer to bodily injury liability limits and the third number to property liability.
2. Only property-damage is compulsory
3. Insurance not compulsory
4. Drivers can choose a standard or basic policy. Basic policy limits are 10/10/5; only property-damage liability is compulsory
5. Liability rises to 50/100 if injury results in death.

Motorcycle Insurance Quote

Thursday, May 20th, 2010


Please take a few moments and complete the following information.  All information provided is confidential and will be used solely for the purpose of providing a quote for you. 

Please note that this is not an application for coverage. 


If coverage is desired, an application will be provided to you.

Name
Garaging Street Address
City and Zip
Phone Number
Alternate Telephone
Fax Number
Email Address
Mailing Address - if different from above
Street Address
City and Zip
Driver 1 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
Years Licensed
State Licensed
Occupation
Do you have a permit/license to drive a motorcycle?
Driver 2 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
Years Licensed
State Licensed
Occupation
Do you have a permit/license to drive a motorcycle?
Driver 3 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
Years Licensed
State Licensed
Occupation
Do you have a permit/license to drive a motorcycle?
Motorcycle 1 Information
Year
Make
Model
Engine CC's
Vin #
Miles per Year
Do you drive motorcycle to work?
Number of wheels
Ownership
Motorcycle 2 Information
Year
Make
Model
Engine CC's
Vin #
Miles per Year
Do you drive motorcycle to work?
Number of wheels
Ownership
Motorcycle 3 Information
Year
Make
Model
Engine CC's
Vin #
Miles per Year
Do you drive motorcycle to work?
Number of wheels
Ownership
Motorcycle 4 Information
Year
Make
Model
Engine CC's
Vin #
Miles per Year
Number of wheels
Do you drive motorcycle to work?
Ownership
Violation Information - Last 3 years (minor violations) / Last 5 years (major violations)
Driver 1
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 2
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 3
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Coverage Information
Personal Liability / Bodily Injury
Personal Liability / Property Damage
Uninsured Motorist / Bodily Injury
Uninsured Motorist / Property Damage
Medical Payment
Deductible Information
Optional Passenger Coverage?
Vehicle 1
Comp (Theft)
Collision
Vehicle 2
Comp (Theft)
Collision
Vehicle 3
Comp (Theft)
Collision
Miscellaneous InformationMiscellaneous Information
Current Insurance Company
Expiration Date
Current Premium
Discounts
Member/Name of Affinity Group:
Date Motorcycle Safe Course Taken:
Years of Motorcycling Experience?
Questions or Comments
Best Time To Contact You
Please let us know the best time to call and discuss your quote.
Or Specify Other:

Auto Insurance Quote

Thursday, May 20th, 2010

Please take a few minutes to complete the following information if you would like to obtain a quote on an Auto insurance policy.  Please understand, this is not an application for insurance.  If coverage is desired, an application will be sent to you.

All information provided is confidential and will be used solely for the purpose of providing a quote for you.  Please be aware that credit scoring is used by most insurance companies, and is necessary for an accurate quote.  Please know that this is a soft hit to your credit and will not effect your credit score.

Name
Garaging Street Address
City and Zip
Phone Number
Alternate Telephone
Fax Number
Email Address
Mailing Address - if different from above
Street Address
City and Zip
Driver 1 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
Occupation
Driver 2 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
State Licensed
Occupation
Driver 3 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
State Licensed
Occupation
Driver 4 Information
Name
Gender
Birth Date
Social Security Number
Drivers License Number
Marital Status
State Licensed
Occupation
Vehicle 1 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Vehicle 2 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Vehicle 3 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Vehicle 4 Information
Year
Make
Model
Vin #
Miles per Year
Ownership
Violation Information - Last 3 years (minor violations) / Last 5 years (major violations)
Driver 1
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 2
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 3
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Driver 4
Minor Violations - speeding, turn, stop sign, red light, etc.
Accidents - non chargeable
Accidents - chargeable
Major violations - drunk driving, reckless,hit and run, etc.
Coverage Information
Personal Liability / Bodily Injury
Personal Liability / Property Damage
Uninsured Motorist / Bodily Injury
Uninsured Motorist / Property Damage
Medical Payment
Deductible Information
Vehicle 1
Comp (Other Than Collision)
Collision
Vehicle 2
Comp (Other Than Collision)
Collision
Vehicle 3
Comp (Other Than Collision)
Collision
Vehicle 4
Comp (Other Than Collision)
Collision
Miscellaneous InformationMiscellaneous Information
Current Insurance Company
Expiration Date
Current Premium
Questions or Comments
Best Time To Contact You
Please let us know the best time to call and discuss your quote.
Or Specify Other:

Introduction to Auto Insurance

Thursday, May 20th, 2010

mustang

Hatcher Kimrey Insurance will help you make an informed decision about your auto insurance coverage.  We will help you to understand the types of coverage, the underwriting factors that affect the cost, Texas requirements, and which insurance company is best for you.


Liability Insurance


Bodily Injury Liability Insurance protects you from claims of injured parties when an accident is your fault.  It does not protect you personally or your car.  The protection includes medical expenses, lost wages, and pain and suffering.  Coverage also includes damages from an accident caused by a family member living with you or a person driving your car with your permission.


Bodily Injury Liability Insurance includes specific benefit limits.  These limits determine the amount of money paid to one victim and the amount paid to multiple victims of an accident.  Texas requires a minimum of $25,000 per individual and $50,000 per accident.


Property Damage Liability Insurance pays for any damage caused by you to the property of others.  It also includes specific benefit limits.  Texas requires a minimum of $25,000.


Uninsured Motorists coverage is protection against an injury from a hit-and-run driver or a driver with no insurance.  This coverage replaces the insurance that the other driver should have purchased or covers the amount not covered by the other driver’s insurance.  Again, uninsured motorist coverage is purchased with specific limits.  Texas does not require this coverage.


Personal Injury Protection (PIP) pays a minimum benefit for the losses incurred due to injuries to anyone riding in your car regardless of fault.  Texas does not require PIP.  Included in most PIP coverage are medical expenses, rehabilitation expenses, work loss benefits, funeral expense benefits, and survivor loss benefits.


Property Damage Coverage

 

Property damage is covered by either collision or comprehensive coverage.


Collision coverage pays for damage to your car as a result of a collision with another car or an object.  This coverage is optional but may be required by your lender.  Collision coverage only covers the expense to repair your damaged car.



Comprehensive coverage pays for damage to your car as a result of theft, fire, weather, flood and vandalism.  This coverage is also optional but may be required by your lender.


Other Optional Coverages

 

Medical Payments Coverage pays for the medical and/or funeral expenses for you or passengers injured or killed even if you are at fault.  It also covers you or family members if you are struck by an auto while walking or riding in another auto.


Rental Reimbursement Coverage pays for a rental car for a specific number of days at a specific daily amount while you car is being repaired.


Towing Coverage pays the expense of having your car towed to a repair shop.


Underwriting Factors

 

Insurance companies consider the following factors when assessing the risk of an applicant:

  • Driving Record
  • Marital Status
  • Residence
  • Age
  • Gender
  • Use of Vehicle
  • Type of Vehicle
  • History of Prior Coverage


Contact Hatcher Kimrey Insurance to help you select the best automobile coverage for you at the best price.  Remember…. We are always here for you!