Tag Archives: car insurance

Four Things to do After an Accident

 

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With so many drivers on the road today and all of the distractions in our lives, it’s almost inevitable that you will be in some kind of car accident at some point. Whether it’s a rear end collision or a fender bender, it’s important to know how to properly react after an accident to avoid any extra trouble. Moments after a car accident can be panic induced and scary. We tend to forget what we need to do and all caution seems to go to the wind. If you’re involved in a car accident, knowing how to sufficiently handle the situation will result in a smoother and stress free experience. Here are the steps you need to follow if you’ve just been in an automobile accident.

Move to a Safe Area – The first thing you need to do is move your car to the shoulder of the road, so that you’re not exposed to further damage and you’re not holding up traffic. If you’re unable to move your car, simply flip on your hazards to alert other drivers that your vehicle will be there for a while. Call 911 as soon and you possibly can and do not more any injured people.

Gather Information – Once you and your vehicle are out of harms way, get the names, license plate numbers, insurance information, witness information and badge number of police on the scene. Also, gather the vehicle (make, model, color, ect.) and insurance information of the other driver.

Protect Yourself – One of the most important things to remember is to never accept fault at the scene. File a report with the police who arrive on the scene and recount the truthful recollection of what happened. Let the officers and auto insurance adjusters review the facts and figure out who really carries the fault. This can also come back to haunt you if the other driver decides to sue you for damages. If you have a smartphone with a camera, snap some pictures of the damages to both vehicles. These will definitely come in handy for when you file a car insurance claim.

File a Claim – Call your insurance provider from the scene or visit their online website to file a claim and report the accident. Your claims adjuster will review all of the available information: vehicle damages, witness statements and police reports to determine fault and then provide a cost estimate, so that we can fix your car up and get you back on the road as soon as possible!

If you follow these 4 easy steps, we’ll take care of the rest. The more information that you can provide us, the faster your claim can be processed. If you plan on driving anywhere, it’s important to make sure that you’re covered. Give us a call at 1-800-Thanks-Al to make sure that your auto, home, boat and RV insurance policy is up to date and you’ve got the best rate and coverage possible!

Top 5 Texas National Parks

Amazement, Awe, Admiration…

These are just a small sample of emotional states people experience when taking in the majestic views of National Parks. The Lone Star State is famous for it’s lush beautiful landscapes and scenic backdrops, which inspires spectators from all around the world. These environmental treasures remain both historically significant and immensely enjoyable for people of all ages. The US National Park System turns 100 today, and we’re celebrating by highlighting and appreciating the best sate parks Texas has to offer.

 
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Big Bend National Park, Big Bend National Park, TX – This is perhaps one of the most famous national parks in Texas as well as the entire country. This campground features some of the highest points and incredible rock formations in the state, which makes it great for backpacking. Campers can also Kayak along the Rio Grande River and discover some of the most beautiful views in all of Texas.

 

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Guadalupe Mountains National Park, West TX – This mountainous national park is known for it’s extensive trails and exquisite views, boding as one of the nation’s most intact wilderness regions. This national park also contains Guadalupe Peak, which is the highest point in Texas at 8,749 feet in elevation. Camping and many other exciting outdoor activities are offered at the park, such as cave exploring and horseback riding.

 

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Big Thicket National Preserve, Kountze, TX – Southeast Texas is home to this heavily forested area, which inhabits a wide diversity of ecosystems. There is a large variety of animal life abound in this preserve, which can be observed by hiking and paddling tours. This national preserve serves as a safe haven for wildlife and a place for discovery and adventure.

 

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Big Bend Ranch State Park, South Saucedo, TX – This remote park is a hidden gem of the Rio Grande Valley and it holds the title of Texas’ biggest state park. It offers a ton of outdoor recreational activities and some of the best trails in the state. The park’s vast desert landscape offers beautiful vistas, unrivaled night skies and steep canyons you need to see to believe!

 

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San Antonio Missions National Historical Park, San Antonio, TX – This Southern National Park preserves five of the Spanish frontier missions in the city of San Antonio. Catholic missionaries established these landmarks and they were used as outposts while they spread the word of God to local natives. They were also important in colonizing the territory during the 17th century. This National Park is full of rich Texas history and is a great destination for educational purposes.

 

If you plan on visiting one of these historic parks, make sure that you’re covered. Give us at call at 1-800-Thanks-Al to make sure that your auto, home, boat, RV insurance policy is update to date and you’ve got the best rate and coverage possible!

5 College Survival Tips

 

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We’ve officially closed the books on another successful summer vacation and it’s time to head back to our studies. Today is the first day of school, which means college freshman all over the state are embarking on the next chapter of their young lives. It can be a very stressful time adjusting to this new lifestyle and balancing all of your new responsibilities, so we’ve put together some helpful tips to help you survive your first year of college!

Go to Class! – It’s very easy to take advantage of this newfound freedom by sleeping in or playing hooky, but it can also come back and haunt you. If you’re looking to stay in school by next spring, you better make sure that you’re attending all of your classes and turning in every assignment. Put aside time every night to focus on your studies and you will surely succeed in your courses.

Join a Club – College is all about making new friendships that will last the rest of your life. It’s important to venture out of your dorm room and explore all of the different social opportunities provided to you. Be smart with the company you keep and make sure that you can trust your new acquaintances.

Stay in Shape – Everyone has heard of the Freshman 15 and it’s recommended that you try to avoid obtaining it. Having a meal plan and endless amount of dining options can lead to the temptation of unhealthy over eating, so keep your meals in check. Almost every college campus has a free fitness center available as well, so attend during your free time to help reduce stress and maintain a healthy lifestyle.

Keep up with Chores – Doing your laundry and keeping your dorm room tidy may be foreign undertakings for most, but it’s all part of growing up and becoming a young responsible adult. Staying on top of your chores will help keep you productive and disciplined during the week. Plus, who doesn’t love a fresh pair of clean underwear?

Get enough Sleep – Sleep is probably one of the essential keys to success and happiness in college. If you stay up all night studying or hanging out with your friends, it can heavily negatively affect your performance inside and outside of the classroom. Managing a feasible sleep schedule during the week will ultimately make you healthier physically and mentally.

Before school kicks into high gear, now is the perfect time to make sure you’re covered. Give us a call at 1-800-Thanks-Al to make sure that your auto, home, boat and RV insurance policy is up to date and you’ve got the best rate and coverage possible!

And if you are in an apartment, you definitely should have renter’s insurance.  We can help you with that, too. Just give us a call at 1-800-Thanks-Al.

Home and Auto Safety Tips for the Winter Months

Texas is generally known for its warm climate, luscious landscapes and sunny skies. However, there comes a time every year when the sun mysteriously disappears and grey clouds envelope the air. Sometimes, strange icy particles will gently cascade onto our houses and streets, causing confusion and panic for every Lone Star Citizen.

Fortunately, there are various steps you can take to protect your home and car during the upcoming winter season. Preparing for these unexpected weather conditions can help keep your loved ones safe and ultimately save you a lot of money.

Preparing your Car

Since most Texans are not accustomed to driving on icy roads, it’s important to be extra careful and always prepare for the worst. Before driving in these dangerous conditions, make sure you:Driving in winter

  • Always check your tires and make sure that the tread depth is sufficient. You can test this by taking a penny and sticking it into the tread. If the tread does not cover any part of Lincoln’s head, then it is probably worn and you may need to replace your tires.
  • Keep a bag full of emergency supplies in your trunk. This can include – car repair tools, a blanket, food, shovel and first aid kit.
  • Make sure you have replenished all of your car fluids – gas, antifreeze, brake fluid, ect.
  • And remember, make sure you drive at a reduced speed while on the road and never slam on your brakes. If you happen to catch yourself swerving on the ice, make sure that you turn the wheel into the swerve to avoid losing control.

Preparing your Home

Heavy snowfall and icy conditions can also cause severe damage to your home. In order to prevent Mother Nature from putting you in a financial hole, make sure you:

Majestic Newly Constructed Home Facade on a Blustry Winter Day

  • Clean your gutters and inspect your roof to make sure it can support the weight of heavy snowfall.
  • Remove all garden hoses and cover all of your outdoor faucets.
  • Remove all overhanging tree branches that could pose a threat if weighted down with snow.
  • Fill in all door and window cracks with caulk to make sure cold air is not seeping into your home.

From all of us at Al Boenker Insurance, we hope that these tips find you well and keep you safe during the upcoming months!

 

Need a Car? Don’t Let Bad Credit Stop You.

When the economy crashed, so did your credit. Now you find yourself in the uncomfortable position of needing a new car. Yours doesn’t run. What are you to do? Will someone even provide you a loan? Why would they? And how about the car insurance required by the State of Texas? Where should you go? Who can you trust? To find the right car, you’ll need to shop around. However to find the right car insurance, one you can trust that knows what it means to be a Texan, you don’t need to go any further than Al Boenker Insurance Agency of Texas.

New vs. Used

Is a used car your only option with bad credit? Not necessarily. Although a used car may be less money up front, in the long run it could be more costly in repairs. It’s important to have a trustworthy mechanic take a look so you can make an informed purchase. If one of your first priorities is to reestablish your credit, you will need a loan. Loans are available for both new and used cars, however, if you purchase a used car at a dealership that is “buy here, pay here,” the credit bureau may not receive notice of your payments. Keep in mind, you are still buying a used car that could require repairs. Is a new car an option? It could be.

How about financing?

If your credit is poor, would a lender be willing to provide a loan, even for a new car? For a number of reasons, it actually can make business sense. First, a new car is more valuable than a used car making it better security as collateral. If a buyer defaults on the loan, the lender can reclaim it. Another consideration is the availability of funds. If the buyer does not have to spend money on the repair costs usually required with an older vehicle, it ensures available funds with which to repay the loan.

Would a dealership be willing to sell a new car to someone with poor credit? Although the dealership’s perspective is not the same as the lender’s, it also makes business sense. The sale of a new car is an investment in a new relationship. Everyone has a network of family and friends and when you have a positive experience, you tend to become a source of profitable referrals. For a dealership, a customer referral could result in new car sales or new service opportunities.

Car Insurance for Texans

With vehicle ownership comes the requirement for insurance. For those Texans looking for a company they can trust and who will serve them, Al Boenker Insurance Agency of Texas is for you. With access to 127 online insurance companies, Al Boenker Insurance Agency of Texas is sure to meet your needs at prices you can afford. Thanks Al!