A Common Winter Task: Scraping Ice Off Your Windshield Each Morning

If you park your car outdoors, you may be familiar with having to de-ice your car before you can get to work during the winter, even in Dallas, Texas. This task doesn’t have to become a lengthy process; you can get it done in just a few minutes if you do it properly. Let’s talk about some tips to shave time off your morning preparations.

First off, never make the mistake of pouring hot water over your windshield to melt the ice away. The water can refreeze while you’re driving, putting you right back in the same position where you started. Very hot water can even crack your windshield. Instead, try safer methods of de-icing.
Start your car’s engine (open the garage door first if necessary) and turn the heater on the highest setting. Tilt the vents upward so the hot air is directed at your windshield. While the heat is running, spray your windows with a solution of one part water and two parts rubbing alcohol (vinegar also works). You can use a spray bottle or fill your wiper fluid reservoir with this solution, which cuts through the frost residue. Whichever you choose, turn on your wipers to push off the remaining ice. Between the solution and your heater, the windshield will be blasted on both sides.

Spray this solution on your other windows and mirrors as well. An ice scraper can help remove the broken up ice. Brush away any ice or snow from your headlights and taillights as well. Having your windows, mirrors and lights clear will improve your visibility and make winter driving safer for you and other drivers around you.

Commercial lock de-icer breaks away pesky ice that builds up inside of locks. If you’re caught in a pinch without any, dip your key into a bottle of hand sanitizer. The alcohol content can help penetrate the ice. It’s a good idea to keep hand sanitizer, and ice scrapers, both inside your car and inside your home (or garage) in case these items get frozen inside your car when you need them.
For better protection, a tarp or car cover decreases the snow and ice buildup on cars. You can start your morning by simply removing the cover and performing any necessary touch ups.

A safe car can means a safer winter driving experience. Call Americo Direct Insurance at (214) 374-9997 for more information on Dallas auto insurance.

Filing An Auto Insurance Claim

After a car wreck there are a number of things  you may be worrying about, or you just may not know what to do. First, if you or anyone you know is injured, immediately call 911. After you have confirmed the safety of your loved ones, survey your home and property. If your car has been damaged after a disaster, would you know how to file an auto insurance claim?
To help mitigate your stress during this process, below is a list of steps as to how to file your auto insurance claim.

Report your claim

If your vehicle has been damaged, report your claim online. Phone lines may be busy preventing you from speaking and/or reaching your car insurance company’s claims department. Filing a claim online is as effective as speaking with a claims representative. However, if you prefer to call in and report your claim you may do so as well. Please note that during catastrophic events, callers can experience delays and wait times because of unpredictable spikes in call volumes.

Update your contact information

A disaster can leave you displaced. If you are staying at a different location when reporting your auto insurance claim, make sure to provide the representative with your updated contact information. If you have an email address, it is recommend you provide that as an alternative means of communication during the auto insurance claims process. This will allow your car insurance company to keep you informed of the progress of your claim and repairs.

What’s next?

Once your auto insurance claim is reported your car insurance company will assign you a claims associate. Your representative should contact you within 24 hours after you report your claim. This associate will guide you through the claims process, cover your next steps, and explain your repair options. During catastrophic events repair, towing, and rental car facilities may also be affected by the disaster. This may delay the time it takes to repair your vehicle. Your claims associate should set time-bound expectations to help you anticipate when your claim will be resolved.

For more information about Dallas auto insurance, give Americo Direct Insurance a call at 214-374-9997.

Inspect Your Home This Fall And Prepare For The Winter

Even in Texas, the winter weather can bring snow and ice which can take a heavy toll on a home that hasn’t been prepared for it. As temperatures start to cool down a little, now is the perfect time to inspect your home for small problems that could develop when the winter weather finally arrives. Preparing your home for winter will not only protect you and your family from the elements, but it will also keep your insurance provider happy.

Check Your Roof and Insulation

Take a good look at your roof and identify any missing tiles or shingles. If it’s a flat roof, you should remove any leaves, pine needles and debris immediately, as they can harbor moisture. If you can get onto the roof, you can perform a close inspection yourself. If you’re not comfortable doing that, a good pair of binoculars could work. However, it may be worth paying a local roofing contractor to perform a full inspection.
A big problem during cold winter weather is the formation of ice dams and icicles. They can cause melted water to flow back into your home, leading to structural and mold problems. Hire an energy auditor or roofing contractor to identify possible air leaks and deficient insulation in your attic, as they can be the cause of ice dams and icicles.

Clean Your Gutters

During the course of late summer and fall, your gutters can become blocked with leaves, vegetation and general debris. This can lead to leaks, ice dams and the flow of water back into your home. Clearing guttering is a relatively simple job, but if you’re not up to it, a local gutter cleaning service will usually work on an average-sized home for less than $200.

Turn Off Exterior Faucets

Turn off any exterior faucets you might have before sub-zero temperatures arrive. Any undrained water can freeze and expand, and that can lead to serious flooding which you may not be insured for.

Test Your Sump Pump

Fill your sump pump with water until it switches on; otherwise, you won’t realize it is in need of repair until your home is flooded. Perform regular checks throughout the fall and winter, and attend to repairs immediately.

Have Your Basic Utilities Checked

Electricity, gas and water are all susceptible to interruption in particularly cold weather, so they should be fully inspected by certified engineers in preparation for winter. Defective cabling, wiring and pipework have been known to cause serious floods, fires and explosions, so ensuring that they are up to the job is essential.
Although you will never be able to fully protect your home from the ravages of winter, performing an annual fall inspection should reduce the chances of major problems when the weather takes a turn for the worse. It will also reduce your chances of making an insurance claim, which is something that could keep your premiums as low as possible.
If you would like to discuss your own Dallas home insurance requirements, give Americo Direct Insurance a call at 214-374-9997, and one of our experienced advisers will be happy to help.

Auto Insurance For College Students

As colleges are gearing up to begin and many students are headed away to school, have you notified your auto insurance company or insurance agent ? If so, you may have notice a reduction in your auto insurance premium. Many insurance companies will lower your premium if your child is going to school more than 100 miles away from home. However, there are a couple of different scenarios that can happen when your child is away at college. Your child may or may not be covered under your auto insurance policy, depending on how the insurance company handled the change. The insurance company may have kept your child on your policy as a covered driver or may have listed your child as an excluded driver. If your child is listed as an excluded driver on your policy, he or she is not covered under your auto insurance policy to drive your vehicle.

Chances are that when your child comes home for a vacation, he or she will want to drive your vehicle. It is important that you contact your insurance agent to make sure that your child is actually covered under your policy. If your child is not covered and gets in an accident, you may be held financially liable for the damages.

If you discover that your child is not covered under your auto insurance policy, your insurance agent can make the necessary changes. Since your child spends the majority of his or her time away from home, the auto insurance company will probably give you a discounted rate to compensate for the fact that your child will not be driving the car often. Some insurance companies will allow your child to be rated as a guest driver, without increasing your premium.

Even if you discover that your premium will increase by adding your child to your policy, the reduction in liability risks makes up for the increase in your auto insurance rates. There is another advantage to including your child on your policy as well, and that is liability protection while your child is away at school. If your child borrows another person’s vehicle while away at college and is not covered under the vehicle owner’s insurance policy, you may be held liable for any damages that occur in the event of an accident. Remember, your college student is still considered your dependent, which means you are financially liable for his or her actions.

Have peace of mind with the right Dallas auto insurance coverage for your college student. Give Americo Direct Insurance a call at 214-374-9997 to get the best rates and coverage for your situation.

RV Insurance For Your Summer Vacations

If you're planning on enjoying the outdoors in your RV this summer, be sure that you have the insurance coverage you need before traveling. A typical RV insurance policy will offer you coverage in a wide range of circumstances that standard auto insurance policies are not designed to cover. Most RV insurance policies also offer liability and personal belonging replacement limits that are higher than car insurance policies.

When purchasing insurance for your RV, make sure that the policy offers campsite liability coverage. Campsite liability, also called vacation liability, will protect you if someone injures himself while visiting your campsite. This type of liability insurance also extends to damage done by your pets, which is a useful feature if you camp with dogs. Even if a visitor injures himself on the fire pit, your RV insurance will still cover the costs of medical care and emergency services. Essentially, campsite liability insurance functions like your homeowner's insurance policy.

RV insurance will also protect you if your vehicle breaks down while traveling this summer. While your RV is being repaired, your insurance policy could reimburse you for some or all of the costs associated with eating, lodging, and transportation. This coverage is only applicable if your RV needs repairs outside of a set distance from your home. Fifty miles is the standard restriction, but you should check your policy for details.

If you've purchased a new RV to enjoy this summer, a specialized policy can offer you full coverage in case of a total loss. Most policies will replace your totaled RV with a comparable model, even if the new model costs more than the RV you bought. This total loss replacement coverage protects you from the high depreciation costs associated with owning an RV. However, total loss replacement is usually limited to the first five years you own your vehicle.

RV insurance policies also offer you the chance to suspend collision and liability coverage when your vehicle is in storage. Just call your agent when your vehicle is off the road and in storage to lower your premium. Of course, you'll have to notify the agent before you go on another trip,  but you'll get to enjoy the reduced premium all winter long.

Before signing up for RV insurance, you'll also need to verify with your agent that your recreational vehicle meets their company's eligibility requirements for insurance. An insurance agent will verify that you have refrigeration, cooking appliances, a drinkable water supply, and other common RV amenities before issuing the policy. Motor homes, bus conversions, camper vans, and motor coaches all typically meet these requirements, but the guidelines will vary depending on the insurance company you choose. 

To purchase the Dallas RV insurance policy you'll need this summer, give Americo Direct Insurance a call at 214-347-9997.

Did Your Insurance Declare You As High-Risk? There Is Still Hope For Your Insurance

Insurance companies do more than just offer you a policy that pays for car repairs in the case of an accident. There is a complexity to how and who they offer their insurance policies to, and at what price. In order to offer you a policy, your insurance carrier will assess the amount of risk you will bring to them. Your policy rate will be determined by this decision while the carrier is doing their best to keep the rate affordable but at the same time profitable for them. All of this is reflected upon their ability to provide you with an insurance policy that will protect you and your family in the case of an accident.

After reading that, you might assume that insurance companies will only provide policies for drivers who are low risk - drivers with no accidents, too many tickets or for sure not a DUI. But, insurance companies will in fact offer high risk drivers a policy; it just may be a little harder and more expensive to come by. If you are a high risk driver, an independent insurance agent can work with you to find insurers that will provide you with high risk auto insurance, and to submit your SR-22 if you are required to do so.  

What Is Considered High-Risk?

Accidents, tickets and other moving violations result in points being placed on your driving record. After a certain amount of points, an insurer may decide that you are now considered a high risk. Also, young or older drivers may be considered high risk solely because of their age. Here are some reasons why you may be considered high-risk:

·         Teenage drivers, especially those just learning how to drive

·         Elderly drivers

·         Drivers with an excess of tickets

·         Drivers with a suspended license

·         Drivers who have caused more than one traffic accident

·         Drivers who’ve repetitively driven without insurance coverage

·         Drivers with a DWI or DUI

Finding a High-Risk Policy

Once you find out you are considered a high risk driver, the easiest way to find an insurance policy is to talk to an independent agent. An independent agent has access to policies from many different companies, including non-standard and high-risk insurance, as well as SR-22’s. They will honestly work with your driving record in order to find a policy that will cover you, and be as affordable as possible, regardless of your history.

In order for your agent to be able to find you the best policy, you need to:

·         Be completely open and honest about your driving history

·         Take and document any driver’s safety classes.

·         Prove that you are trying to improve your driving habits.

·         Drive safe! Do whatever you can to avoid adding anything to your record.

SR-22 Filings

Your independent insurance agent will be able to submit an SR-22 for you if you are required to do. They will be able to do this for whatever the amount of time is determined that you are required to submit one.  

Keeping the Insurance

Finding an insurance company that will cover a high-risk driver is half the battle. Now, you need to do everything you can to keep the insurance on your car. After a couple of years, you can search around for a lower cost insurance but for the time being, it is best to maintain your insurance so you can drive legally. Make sure you:

·         Pay your insurance premium on time. If possible, set up automatic payments with the insurance company.

·         Renew your policy completely and on time

·         Do not get any accidents, tickets or other moving violations on your record.

If you’re ready to start exploring your high-risk auto insurance options, let Americo Direct Insurance know at 214-374-9997. We can help you find the right company and Dallas auto insurance policy for all your non-standard needs. 

The Insurance Differences in Leasing vs. Buying a Car

1. Coverage is mandatory for leased cars, but not necessarily for purchased cars.

When you lease a car, you are paying to use a car that is actually owned by a finance company; therefore, it makes sense that it is mandatory to purchase a car insurance policy when signing a lease. When you buy a car, that car becomes your own property, and there is no federal law mandating compulsory car insurance. Instead, the laws for car insurance are mandated on a state-by-state basis. While most states have laws dictating mandatory car insurance, some states’ laws are stricter than others. For example, New Hampshire does not even require its residents to purchase car insurance at all if they can prove that they can afford to pay for damages in an at-fault accident.

2. You can control what you pay for insurance.
While certain types of insurance are mandated, more for leased cars than purchased cars, there are factors you can look for and choices you can make to minimize insurance costs. Vehicle make, model, probability of theft,  and your claims history and driving record can all affect how much you will end up paying for car insurance. If you are looking to reduce insurance costs, do some research before you lease a car and find out what you can do, and what you should look for, in order to pay the lowest amount possible for coverage. This will pay off whether you decide to lease or buy.

3. Most car lease contracts include GAP insurance coverage.
When you lease a car, it is nearly guaranteed that your lease contract will include GAP (Guaranteed Auto Protection) insurance coverage. If you get into a car accident, your auto insurance policy will cover the current market value of the car, not the total amount of money you actually owe the finance company. This amount can be especially large if you put down a very small up-front payment. GAP insurance covers this literal gap between what is covered and what you owe. GAP insurance is a worthwhile investment when leasing a car, but it is not necessary for someone who purchases a car.

4. Most car companies require comprehensive and collision coverage for leased cars.

Both comprehensive and collision insurance are crucial for anyone leasing a car. Collision insurance covers the damage done to your vehicle when you collide with another vehicle or object. Comprehensive insurance covers losses caused by anything from fire to natural disasters to vandalism to theft. Most car companies require both types of insurance for leased cars, while car purchasers are not required to purchase either. Insurance requirements for car owners vary from state to state, but they are not dictated by car companies.

4. Many car companies require original parts for leased-car repairs.

You don’t technically own a car when you lease it. Thus, if you damage it in a collision or accident, you have done damage to property that isn’t yours. Often, car companies that lease cars to drivers require them to replace damaged parts with original parts. Original parts can only be bought from the original manufacturer and can be very expensive. When a car owner damages his car, he has the choice to replace the damaged part with any part of his choice; this can ultimately save him a good deal of money.

If you're looking to lease or buy a car and have questions on Dallas Auto Insurance, giveAmerico Direct Insurance a call at 214-374-9997.