West Texas Insurance Agency

3702 Mockingbird Ln
Amarillo, TX 79109

Why is scheduled maintenance important for auto safety?

Let’s face it. Nothing that can happen to you can be quite as aggravating as getting into your car and not being able to start it or, having started it, finding out something is wrong, such as overheating or transmission trouble. If your car fails while you are on the road, you will find yourself in physical danger until you can get to the side of the road and start waiting for a tow truck.

The West Texas Insurance Agency, serving Amarillo, TX, advises you to take your automobile in for scheduled maintenance as your owner’s manual stipulates. A trained and experienced mechanic will be able to spot potential problems before they affect you on the road and suggest fixes. Scheduled maintenance is also the time when you get the fluids, filters, and belts replaced in your vehicle as needed.

The old adage that, "an ounce of prevention is worth a pound of cure," is especially true for the vehicle that you depend upon to get around. You may find it easier to spend a few hundred dollars to fix a problem before it strands you than to spend several thousands of dollars afterward.

Also, adhering to the scheduled maintenance plan in your owner’s manual is likely a condition for your car’s warranty. Failure to keep your vehicle running as smoothly as possible may void its warranty.

Finally, getting your vehicle maintenanced regularly will increase its resale value when you are ready to trade it in for a newer model. You will be able to present to the buyer proof that you have kept your now used vehicle maintained in peak running condition.

If you have any questions about auto insurance, feel free to contact the West Texas Insurance Agency, serving Amarillo TX. We also offer an online rating tool for quotes from home on auto and home insurance.

 

Auto Insurance In Texas Vs. Other States

You’ve probably heard the term "no-fault insurance state." A no-fault state is one where you are required to carry no-fault insurance. That part’s simple enough, but what is no-fault insurance, and how does that affect drivers in Amarillo, TX?

Here’s what you need to know:

Is Texas a No-Fault State?

No-fault insurance means that when two drivers get into an accident, they each have their own insurance providers cover their own expenses. No-fault states are the ones where everyone is legally required to carry this type of insurance. It’s enforced at a state level because if one person carries this insurance and gets into an accident with another person who doesn’t, then what does that accomplish? No-fault has to be engaged with as a state or else it doesn’t accomplish very much.

All that being said, Texas is not a no-fault insurance state. If you get into an accident in Amarillo, TX, you might have to make a claim with West Texas Insurance Agency to cover both your expenses and the other driver’s if you are found to be at fault.

There are some advantages to no-fault insurance, one of them being that it clears the courts up. If everyone covers their costs, then there’s no need to drag people to a civil claims trial. But, as of the moment, there’s no reason to worry about no-fault insurance when you give West Texas Insurance Agency a call to cover your new auto. On the upside, that means that, if someone else causes an accident that you happen to be involved in, your rates won’t go up.

Reach out to West Texas Insurance Agency to learn how to start an auto insurance policy right away. Also, try our online rating tool for quotes from home on auto insurance.

Are Relatives Automatically Covered on Your Auto Insurance Policy?

Most people think nothing of loaning their car to a visiting relative or friend to enjoy the sights or take a quick trip to the store. Before loaning out your vehicle, you should make sure the driver is covered on your auto insurance policy.

In general, auto policies cover two types of drivers: those listed on the policy (household members) and those who occasionally take your car for a ride. Here’s a brief breakdown on insurance coverage for each.

Occasional Drivers

Relatives who drive your vehicle from time to time while visiting your Amarillo, TX home fall under the category of occasional driver. They are protected under your auto insurance coverage, according to the terms of your policy. Under some policies, limits for liability coverage may be lower for occasional drivers than those who regularly drive your car.    

If your visiting relative is involved in an accident while driving your vehicle and damages exceed your insurance limits, you (as the policy owner) could be held liable. You’re also expected to pay any deductible on the policy when making a claim, even if someone else was driving. Before loaning one of your vehicles to a visiting relative, make sure he or she is a responsible, licensed driver.  

Household Members  

Relatives who are licensed drivers and members of your household are covered under your insurance policy. This includes teen drivers, parents, grandparents or any other relatives who live with you and use your vehicle frequently for work, school, or leisure activities. At West Texas Insurance Agency, we encourage our policyholders to list all licensed drivers in their household on the same policy to ensure they receive full protection in the event of an accident.

If you have any questions concerning auto insurance coverage or costs, contact us at West Texas Insurance Agency in Amarillo, TX.

Servicing States

  • Texas
  • Oklahoma
  • New Mexico