Winter Plumbing Tips for Your Coppell Home

Posted on by Jeri McShan

Winter is here in Coppell and North Texas. It’s time to make sure your house is safe from bad weather.

Use foam pipe insulation and insulation tape where pipes are exposed.

Roll up and store outside hoses for the winter.

Cover outdoor spigots with insulating faucet covers.

During a freeze, turn faucets in the house to a slow drip.

Insulate exposed pipes in your house and use weatherstipping or insulating foam to block cold air.

Know where your home’s shut-off valve is in case a pipe does burst.

These are all great tips from Mike’s Air Conditioning and Heating.

Uninsured Motorist Coverage

Posted on by Jeri McShan

For protection from losses arising from an accident in or outside of Coppell, with an uninsured motorist, consider purchasing uninsured motorist coverage.

Specific options for uninsured motorist coverage vary by state and insurer, but in general there are three types of protection:

  • Uninsured Motorist (UM) Insurance—Also known as Uninsured Motorist Bodily Injury (UMBI) insurance, this coverage will pay your and your passengers’ medical bills if you’re involved in an accident with an uninsured motorist who is at fault. In addition, UM insurance will reimburse you and your passengers for lost wages. UM coverage also kicks in if you are hit as a pedestrian by an uninsured driver, or if you’re the victim of a hit-and-run accident.
  • Uninsured Motorist Property Damage (UMPD) Coverage—While UM insurance covers injuries, it does not extend to damage to your car or property. For this, you need UMPD coverage. Note that UMPD may not cover damaged property beyond your car, and this option may not be available from your insurer—it depends on what state you live in. In addition, UMPD may not cover hit-and-run accidents.
  • Underinsured Motorist (UIM) Protection—In some instances, an at-fault driver may have liability insurance, but the policy’s limits do not cover the full extent of damage to your vehicle. In such cases, UIM insurance will cover the shortfall.

To learn more about uninsured motorist coverage for your auto policy, call The Select Insurance Agency today!

Happy New Year from The Select Insurance Agency!

Posted on by Jeri McShan

All of us at The Select Insurance Agency in Coppell wish you a very happy new year! We have been so lucky to have served our clients in Coppell and the surrounding areas of Carrollton, Lewisville, Irving, Grapevine, Plano, Frisco, and all of the Dallas-Ft. Worth metroplex. It’s our pleasure to continue providing the best service to our clients, and finding the insurance policies that best meet your needs at a great rate. Tell your friends about us and we’ll help them save money too! Wishing you a prosperous year!

Why Independent Insurance Agents Matter

Posted on by AgentInsure

If you own a car, you need auto insurance. If you own a home, you need home insurance.  And if you are in the market for any kind of insurance, what you really need is an independent insurance agent. While it may seem easy enough to just hop online and start looking at potential policies, the truth is actually far more complicated. 

The thing is, even those looking for the cheapest insurance rates they can get may still run into trouble when it comes to adhering properly to state requirements. When in comes to auto insurance, for example, residents of cities like Coppell, Texas and surrounding areas are required to meet the minimum coverage amounts set by the state. In Texas, there are actually three different kinds of minimum coverage that must be met, including two different coverage amounts for different types of physical injury and another for damage to property. And that’s really just the tip of the iceberg. You may also run into difficulty trying to enter in your auto information and driver history information all by yourself, since it is easy to leave out things. Fortunately, an independent insurance agent can help you navigate all these legal waters. 

Likewise, homes are costly enough without the added insurance policies. An independent insurance agent (such as those of us at The Select Insurance Agency) can help you figure out exactly which kind of home insurance you need, as in Texas there are three different basic types of policies and then some.

When you come to a place like The Select Insurance Agency, you’ll find that there are instantly fewer responsibilities on your shoulders. We take care of all the extra paperwork and endless little details that come with getting a good insurance policy.

SUV Car Insurance Needs in Coppell, TX: Estimate Costs Before You Buy That Gift

Posted on by AgentInsure

At the end of the year, many car dealerships offer some pretty great deals on vehicles. Many people take advantage of these discounts and purchase a vehicle for their loved ones for the holiday. It’s an outstanding gift that they are sure to appreciate. Before you decide on the SUV or another vehicle for that purchase, though, it’s important to factor in what it will cost you to own and use that vehicle. At The Select Insurance Agency, our team is happy to help you determine the cost of the coverage you need.

What Goes Into Getting SUV Car Insurance Rates?

The cost of insuring an SUV varies on several fronts. First, there is the individuals’ qualifications for insurance. Those who have numerous moving violations, for example, will spend more for coverage. Second, you have to factor in the value of the SUV itself. These vehicles are more expensive than other vehicles, therefore requiring a higher level of insurance coverage. However, you can still find affordable SUV coverage in Coppell, TX and our team can help you to do that.

Request a Quote for High-Quality Auto Coverage for Your New SUV

Go ahead and take advantage of that low price on the SUV you want to give as a gift this holiday. When you do, you can trust the independent insurance agents at The Select Insurance Agency to help you find an affordable rate on the policy. You are sure to get fantastic service from our team, too. You can get a quote quickly, see how affordable it is, and then secure the purchase on your new SUV.

Call our team today to request a quote on the SUV car insurance right for your new investment.

 

First Responder: Securing The Accident Scene

Posted on by AgentInsure

Learn about being a first responder. When there is a car accident, you need to know how to secure the scene. This can make it easier for help to arrive, and for the people involved in the accident to walk away.

The first thing you want to do is secure your car. This means pulling it off the road and at least 100 feet away from the accident. You should also put your hazard lights on so approaching cars know that something is going on.

The second thing you want to do is call 911. Even if other cars have called, it’s a good idea to place the call because you don’t know if someone has actually called it in. be ready to tell the operator:

  • The location of the crash
  • The number of cars involved
  • What’s going on
  • Your contact information

After the 911 call, approach the accident carefully. Talk to the victims and find out what’s going on with them. Often, just knowing that help is on the way is enough to keep people calm. If they can get out of the cars, help them to do so. Otherwise, leave them in and assure them that help is going to be there soon. If a person cannot move their back or neck, don’t attempt to move them as it can result in further injuries.

Stabilize the cars, too. This means turning off the ignition and possibly moving the car out of the way so that other cars can’t potentially hit it. This may involve the help of more good Samaritans.

At The Select Insurance Agency, we are prepared to help you with auto insurance in Texas. Call today and one of our friendly agents can get quotes, talk to you about being a first responder, and much more.

 

 

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