Yearly Archives: 2020

Seven Safe Travel Tips to Keep You and Your Family Safe on the Road this Holiday Season

By Dec 24, 2020 Posted in Automobile Issues

Seven Safe Travel Tips to Keep You and Your Family Safe on the Road this Holiday Season While AAA estimates that there will be fewer travelers on the road this year compared to last year, still as many as 84.5 million Americans may still travel from December 23 though January 3, 2021.  Follow these Safe Travel Tips to stay safe on the roads this year.  1. Plan Ahead.  Make sure your vehicle is properly maintained and in good working order.  Plan your route in advance and be prepared for heavier than normal traffic. Have your roadside assistance contact information on hand.  And confirm your auto insurance coverage.  If you don’t have personal injury protection or underinsured motorists coverage, add them! 2.  Don’t Text and Drive.  Don’t Text and Drive.  It can wait.  The NHTA reports that distracted driving claimed 2,841 lives in 2018 alone. Among those killed: 1,730 drivers, 605 passengers, 400 pedestrians and 77 bicyclists. 3.   Avoid Driver Fatigue.  Make sure you are well-rested, take breaks at least every two hours, and switch drivers on long trips, if possible.  The National Highway Traffic Safety Administration (NHTSA) reports estimates that in 2017, 91,000 police-reported crashes involved drowsy drivers. These crashes led to an estimated 50,000 people injured and nearly 800 deaths. 4.  Don’t Drink and Drive. Always assign a designated driver or call a rideshare program.  The NHTSA reports that one person is killed about every 50 minutes in a drunk-driving crash,     resulting in more than 10,500 […]

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What if My Auto Insurance Carrier Goes Bankrupt

By Nov 2, 2020 Posted in Automobile Issues

Texas Auto Insurer ACCC Placed Into Receivership On October 21, a Texas Judge signed an order placing Texas Auto Insurer ACCC into receivership, stating that ACCC ‘is in a condition such that further transaction of its business would be hazardous financially to its policyholders, creditors, or the public.” What happens if your auto insurance carrier goes out of business? What an insurer is declared insolvent, the state Guaranty Fund Transfer’s the insurer’s policies can be transferred to another insurer, or the Guaranty Fund can assume the insolvent insurer’s obligations—up to the limits of the policy, or $300,000.00–which ever is less. Should I continue making payments? If you have a payment due right away, you should either make the payment or change policies right away. The most important factor is to make certain there is no gap in your coverage, so consult your insurance agent for advice. Should I cancel my policy? Of course, you should consult your insurance agent, but it is generally a good idea to cancel coverage right away if your insurance carrier becomes insolvent. The Texas Guaranty Fund does have provisions to seek reimbursement of unearned premiums paid to the carrier—insolvent carrier—up to $25,000.00. What is the name of the Texas Guaranty Fund agency? If you are insured by ACCC, you should contact the Texas Property and Casualty Insurance Guaranty Association. They are located in Austin, Texas. Here is a link to their website: Their contact information is: TPCIGA 9120 Burnet Road Austin, TX 78758 Phone: […]

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