Author: agentinsure

Revise Your Automotive Insurance Policy Before Traveling

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Review your travel plans before operating your vehicle during an upcoming trip. Your plans may lead you to consider modifying your insurance policy. These modifications can provide added security while you’re on the road.

The Route You Will Follow

Take a close look at the details of your upcoming trip. Consider the route you’ll be taking. Will you be driving on unfamiliar roads? Are you concerned about congestion on certain roadways?

If you’re worried about any aspects of your trip, you may benefit from adding additional liability coverage or collision coverage to your auto insurance policy. Both types of coverage can protect against damage incurred during a vehicular accident. Liability coverage also provides protection if you cause damage to property while operating your vehicle.

How Your Vehicle Will Be Used

Think about how you plan to use your vehicle during the trip. Will you be driving solo, or will you have passengers? Review your travel plans carefully to determine your needs.

Different types of insurance coverage may be necessary depending on how you’ll be using your vehicle. For example, if you plan to tow a trailer, you may benefit from add-on coverage that protects the tow-bar, trailer, and other towing essentials you’ll be using throughout your travels.

Insurance Concerns You Have

Do you think your auto insurance policy could benefit from modifications? Don’t hesitate to consult with an insurance agent. Bring your concerns to one of our agents at San Marcos Insurance Group. An insurance agent serving Chandler, AZ will be ready to assist you with your insurance needs.

Does Health Insurance Cover Therapy Sessions?

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Chandler, AZ, residents can benefit from therapy in a variety of situations, such as when they experience depression, anxiety, addictions, mental disorders, relationship conflicts, or other challenges. Therapy is a form of healthcare, but since it may not take place in a standard medical office, you may wonder if health insurance will cover it.

What’s Covered?

Many health plans cover therapy under the right circumstances. Coverage depends on the type of therapy and the specific therapist you choose. Be sure to select an in-network provider whenever possible, as insurers are more likely to cover in-person appointments, though online sessions may also be eligible. Federal regulations require most health plans to cover a range of therapeutic services.

Preventive Care

As with many types of medical care, co-pays and deductibles may apply to therapy. However, certain forms of therapy and counseling are considered preventive care, meaning most insurers fully cover them. This means you likely won’t have any coinsurance, co-pays, or deductibles if your appointment qualifies as preventive.

Most health plans provide coverage for obesity, diet, and alcohol addiction counseling as preventive care benefits with no out-of-pocket expense. Similarly, physical therapy designed to prevent seniors from falling and suffering injuries is often covered by insurance. On the other hand, services like acupuncture and massage therapy typically do not qualify as preventive care.

San Marcos Insurance Group offers dependable health insurance in the Chandler, AZ, area. You can rely on our independent agency to help you find the most suitable plan for your needs. We have access to medical policies from a variety of trusted insurers. To learn more or request a quick health insurance quote, please get in touch with the friendly staff at San Marcos Insurance Group by calling 480-899-6633 today.

Named in a Lawsuit?: Commercial Insurance Can Help

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Getting served with lawsuit papers is something no Texas business owner wants to experience. Yet lawsuits can arise for various reasons, ranging from slip-and-fall injuries to disputes over contracts or advertising. That’s where having the right commercial insurance with San Marcos Insurance Group, serving Chandler, AZ, becomes more than just a piece of paper—it’s real protection for your company’s future.

How Commercial Liability Coverage Works

General liability insurance is often the first line of defense when your business faces a lawsuit. It can help cover legal fees, settlements, or court judgments tied to bodily injury or property damage claims. For example, if a customer trips in your store and breaks an arm, or someone claims your product caused damage, your liability policy is there to step in.

This type of insurance also typically covers claims of personal or advertising injury, such as accusations of slander or copyright infringement. Without coverage, even a single lawsuit could drain company savings or force you to sell assets to cover legal costs.

Other Policies That Offer Protection

Depending on the nature of your business, you might also need professional liability insurance. This covers mistakes or alleged negligence tied to the services you provide. For instance, if you’re a consultant and a client claims your advice caused them financial harm, professional liability insurance can help cover defense costs.

If you own vehicles for business use, your commercial auto policy can also help cover legal expenses resulting from accidents involving those vehicles.

If you’re unsure whether your current policies provide adequate protection in the event of a lawsuit, a local agent in Texas can review your coverage and recommend ways to strengthen your safety net, ensuring one legal claim doesn’t jeopardize your business. Contact San Marcos Insurance Group, serving Chandler, AZ, today to learn more.

What to Do If You’re in an Accident with an Uninsured Driver

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Getting into a car accident is stressful enough, but finding out the other driver doesn’t have insurance can make the situation even more overwhelming. At San Marcos Insurance Group in Chandler, AZ, we understand how complex this scenario can be. The good news? There are steps you can take to protect yourself and your finances.

Stay Calm and Gather Information at the Scene

First and foremost, check for injuries and call 911 if needed. Even if the accident seems minor, it’s important to get a police report. This document can be crucial later, especially when dealing with an uninsured driver. Gather as much information as possible from the other driver, including their contact details and license plate number, even if they admit they don’t have insurance.

Contact Your Insurance Company Immediately

Once you’re safe and have left the scene, notify your insurance provider as soon as possible. Provide all the details about the accident. If you have uninsured motorist coverage, it becomes invaluable in this situation. This type of coverage can help pay for medical bills, vehicle repairs, and other costs that the uninsured driver would typically be responsible for.

Review Your Coverage Options

If you’re unsure whether you have uninsured motorist protection—or if you want to ensure your policy is strong enough to handle unexpected situations like this—it’s a good idea to review your coverage. Being prepared with the right policy can make a significant difference in how you handle these situations.

If you have questions or want to explore your auto insurance options, the team at San Marcos Insurance Group in Chandler, AZ is here to assist. Contact us today to ensure you’re covered for whatever challenges the road may bring.

How to Protect Your Outdoor Pool Through Home Insurance

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Many homeowners in Chandler, AZ, enjoy having a pool to cool off during the hot summer months. Whether your pool is above ground or an integral part of your hardscape, owning one comes with significant responsibilities. Protecting your pool and ensuring the safety of those who use it is essential. San Marcos Insurance Group can help you determine the right level of insurance coverage for your outdoor pool.

Standard Homeowner’s Insurance Provides Limited Protection

Most standard homeowners’ policies offer some protection in the event of accidents or damage involving your pool. Policy requirements often include fencing the area around the pool to prevent unauthorized access. Installing a pool alarm can also help reduce your insurance costs. Additionally, pool owners should regularly maintain their pools by cleaning them and ensuring the water has proper chemical levels. This practice reduces the risk of illness caused by waterborne bacteria and viruses. Covering your pool when not in use can help keep out debris and minimize contamination.

Covered risks that may result in damage typically include:

  • Fire
  • Lightning strikes
  • Hail
  • Vandalism
  • Explosions

The dwelling or other structures portion of your policy will cover damages to an in-ground pool, while above-ground pools are typically covered under personal property. However, damages such as pool leaks or wear and tear are not covered under standard policies.

Evaluate Your Policy Limits

If you have a large in-ground pool or frequently host guests, it’s important to review your policy limits to ensure adequate coverage. While some insurance policies may offer high liability limits for luxury residences, these limits may not be sufficient if someone sustains serious injuries. Consider adding an umbrella policy to provide additional protection for your home and pool in case of catastrophic injuries.

If you’re wondering what additional coverage you may need for your home recreational needs in Chandler, AZ, San Marcos Insurance Group is here to help. Contact our office today to explore your policy options and ensure your pool is adequately protected.

Does Commercial Insurance Cover Damaged Inventory?

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While commercial insurance isn’t typically legally required, many business owners opt for it to protect themselves and their assets. Business insurance can help cover the cost of losses due to various natural disasters, theft, and more. But does it only cover structural damage, or does it also cover damaged inventory?

Types of Commercial Insurance

Commercial insurance usually refers to basic liability insurance. This insurance protects your assets if someone is injured on the property, unless it’s a workers’ compensation claim. Liability doesn’t cover many other things. However, business owners should consider several different types of commercial insurance to ensure they’re adequately covered.

  • Workers’ Compensation: Most states usually legally require Workers’ Compensation. This type of insurance handles workers’ compensation claims and pays for the costs of injured employees.
  • Commercial Property Coverage: Commercial property coverage will cover inventory if it’s not covered under your current insurance policy. Always consult an agent about the insurance you need to cover damaged inventory.
  • Natural Disasters: Many businesses in Chandler, AZ, need specific disaster coverage to cover damaged inventory from natural disasters, such as floods, tornadoes, hurricanes, and wildfires. This coverage is in addition to property coverage. San Marcos Insurance Group can help you determine which natural disaster coverage you need.

Specific Exclusions

Many insurance companies exclude specific events. For example, it’s common for a policy to exclude damage due to flooding. Instead, business owners must get flood insurance to cover their inventory. Always ask an agent at San Marcos Insurance Group about exclusions in your policy to ensure you’re adequately covered.

The various types of commercial insurance available can make things confusing. Your inventory may be covered if it’s damaged by an electrical fire, but not by a hurricane. Our agents will discuss your concerns with you to make sure you have the necessary insurance. We’re currently serving the Chandler, AZ area.

High Deductible vs Low Deductible: Which is Better?

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When purchasing health insurance for yourself and your family in Chandler, AZ, there are many factors to consider. One such factor is choosing between an HMO and a PPO. Another crucial factor involves determining whether a high or low deductible will be more beneficial for you. San Marcos Insurance Group can assist you in deciding which health insurance deductible will best suit your situation.

Understanding Health Insurance Deductibles

A deductible is the amount you’re required to pay out-of-pocket before your insurance policy begins to cover eligible costs. For most people, affordability is a primary reason for choosing one type of plan over another. The size of your monthly premium, which you must pay even if you don’t incur any medical expenses, influences your deductible. In addition to your deductible, you should also consider your out-of-pocket maximum, which includes doctor co-pays and co-insurance. This figure will help you determine which type of policy is right for you.

Making the Right Choice

With a high deductible, you assume the risk that you won’t need extensive healthcare, resulting in a lower premium. These plans typically cover preventive care and annual checkups and include a healthcare savings account (HSA), which you can use to pay for out-of-pocket expenses you may encounter. The money you contribute to your HSA can help lower your annual income tax bill. Low-deductible plans have a higher monthly premium, but you’ll pay less money upfront for healthcare. Older adults and those with chronic health problems who frequently visit doctors can benefit from these plans. However, these plans typically do not include an HSA.

Contact San Marcos Insurance Group, serving Chandler, AZ, to learn how different health insurance carriers operate high—and low-deductible plans. Call our office today to get started.

Tiny Homes & Alternative Housing: How Insurance Works for Unconventional Homes

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Alternative housing options like tiny homes, container homes, houseboats, and yurts are growing in popularity as more people seek affordable, sustainable, and minimalist lifestyles. At San Marcos Insurance Group in Chandler, AZ, we’ll help you find the best coverage options for your unconventional home.

Why Standard Home Insurance May Not Be Enough

Traditional homeowners insurance is designed for traditional houses. If you own a tiny home or unconventional housing, you may find that standard policies don’t provide adequate coverage.

Types of Insurance for Unconventional Homes

All recreational vehicles, such as all-terrain vehicles, golf carts, and snowmobiles, are eligible to be included in a toy insurance policy. Accidents are inevitable when traveling off-road on your recreational vehicle. Having quality coverage is crucial when a mishap takes place. All recreational vehicle owners ought to have a standard toy insurance policy. It should cover all repair damages and medical care if someone is injured in an accident. Additionally, the coverage must protect your assets if a personal injury lawsuit is filed against you.

What to Look for in an Alternative Home Policy

There are several things to look for when comparing home insurance policies. Liability coverage protects against accidents or injuries that occur on your property. Personal property protection is also important to safeguard your belongings. Comprehensive coverage can protect against a wide range of perils, such as fire, theft, and weather damage.

Protect Your Alternative Home with the Right Insurance

Unconventional homes require specialized coverage. Contact San Marcos Insurance Group in Chandler, AZ, today to learn more about our tailored home insurance solutions.

What to Do If Your Car Is Totaled – Understanding Insurance Payouts

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Getting into a minor car accident can be stressful, but if your vehicle is declared a total loss, it can add another layer of uncertainty. By understanding how insurance payouts work in these situations, you can be confident in your decisions throughout the process. Located in Chandler, AZ, the San Marcos Insurance Group offers comprehensive auto insurance coverage options to keep you protected on the road.

What Does It Mean When a Car Is Totaled?

A car is regarded as “totaled” when the repair costs exceed a specified percentage of the vehicle’s actual cash value (ACV), about 70 to 80 percent. In such cases, the insurance company deems the vehicle beyond reasonable repair and offers a payout.

Steps to Take If Your Car Is Totaled

  1. File an Insurance Claim – Contact your insurer to report the accident and begin the claims process.
  2. Vehicle Assessment – The insurer will inspect your vehicle to determine if it’s a total loss.
  3. Review the Payout Offer – The insurance company will offer a settlement based on the car’s ACV before the accident.
  4. Negotiate If Needed – If you believe the offer is too low, provide evidence such as recent maintenance records or comparable car listings.
  5. Settle Any Remaining Loan – If you have an outstanding auto loan, the payout may go directly to your lender. If the amount is less than what you owe, gap insurance can help cover the difference.

Stay Protected on the Road with Auto Insurance

If your car is totaled, it’s important to understand your insurance coverage and payout process. If you’re located in Chandler, AZ, or the surrounding areas, our team at San Marcos Insurance Group can help. Contact our office today.

How Commercial Insurance Protects You From Unusual Risks

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As a business owner in Chandler, AZ, you face numerous risks, depending on your industry. Even small operations can encounter property damage and liability issues during normal operations. An unexpected accident or lawsuit can be financially devastating for your business. Commercial insurance policies from San Marcos Insurance Group can help keep your business running.

One Policy Doesn’t Cover Everything

At the very least, you need a general liability policy. Most business owners opt for a business owner’s policy that combines several insurance lines to insure your company fully. These customized packages allow you to choose insurance lines that make the most sense. For example, most BOPs combine general liability and may include business property insurance if you own the building that houses your operations. BOPs are cost-effective but may not provide you with all the protection you need. Many entrepreneurs start with a BOP and then add specific coverage as their company grows.

Common Commercial Insurance Add-Ons

Cyber insurance is one of the most popular add-ons, particularly if your company retains sensitive client information. Many business owners customize their policies to include umbrella insurance, providing an extra security layer if your company is sued. Businesses with employees should also have worker’s compensation insurance to cover workers who sustain injuries as part of their work duties. Errors and omissions insurance can benefit professionals who provide advice.

The commercial insurance lines you need will depend on the following factors:

  • Industry type
  • Number of employees
  • Years in operation
  • Location
  • Payroll
  • Risk exposure

Choosing commercial insurance is a highly individualized proposition. Contact San Marcos Insurance Group, serving Chandler, AZ, for an appointment to select the right lines for your business.