Category: Auto Insurance

So, someone got mad at you and took it out on your car. Maybe they weren’t even angry at you, but the Astros lost, and some rioters came after your vehicle. Shame on them. Hopefully, you were smart enough to get auto insurance. If your car was insured, you may be able to recoup your losses in the event of vandalization. 

What is Vandalism?

The legal definition of vandalism is an intentional act that mars, destroys, defaces, alters, or otherwise damages another person’s property. This includes spray paint, keying the paint job, slashing tires, breaking windows and/or mirrors, egging, and other malicious damage. 

What to Do Now

Call the police on a non-emergency line. They will take down a report and provide a copy for your insurance claim. An arrest will likely only be made if you catch someone in the act. If you can prove this person did the damage, they may be court-ordered to pay for repairs or replacement. Otherwise, your insurance will have to cover it. Take care not to disturb any evidence after you come to the scene of the crime. Take out your phone and take pictures from multiple angles. Contact your insurer to report the incident and discuss repairs. The adjuster will let you know where to have the repairs done. Please do not attempt to do it yourself. 

City Centre Insurance Agency LLC Serving Houston, TX

Get auto insurance before you need it. If you are in the Houston, TX, area and are in the market for auto insurance, contact City Centre Insurance Agency LLC. Our courteous and knowledgeable agents will do all they can to help you find the policy that best suits your needs. 

Whether you have car insurance through City Centre Insurance Agency, LLC in Houston, TX, or someone else, there are times when you should reach out to update or upgrade your insurance. You may even want to request an insurance review or a price quote.

Here are six times you should reach out to your auto insurance agent:

     1. When Buying a Car

Of course, when you purchase a vehicle, you will want to make sure your insurance coverage is transferred seamlessly. You may actually want to get a price quote prior to making a decision on your next vehicle.

     2. When You Move

Changing residences can impact your car insurance rates. Where your car is kept at night, and your neighborhood can affect rates. You will also want to make sure there is accurate contact information associated with your auto policy.

     3. If You Get Married

Getting married can lower your car insurance rates. If there is a name change associated with marriage, you also want to make sure your policy info is accurate.

     4. When There is a New Driver Living in Your Household

When a child turns driving age, or someone else joins the household of driving age, contact your car insurance agent. Your policy may require all potential drivers to be listed.

     5. When Making Significant Upgrades To Your Vehicle          

If you make an upgrade to your vehicle by adding an expensive sound system or tires and rims, it may be worth a call to your auto insurance agent to make sure they will be covered in case of theft.

     6. When Selling Your Car

Of course, when you sell a car, you no longer want to keep paying for insuring it. Your insurance agent can cancel your policy on the effective date of the sale.

We Are Here To Help

City Centre Insurance Agency, LLC is serving drivers in the Houston, TX area for an auto insurance policy review and price quote today. We are qualified to review auto insurance policies issued by any company. We would be pleased to serve you.

If you own a car, you are required to have auto insurance in almost every state. Most drivers purchase auto insurance because it’s the law, but they don’t know much about it. We at City Centre Insurance Agency LLC in Houston TX are here to help. Let’s take a deep dive into auto insurance. 

What Is Auto Insurance? 

Vehicles are expensive assets, and car accidents are often unpredictable. Auto insurance is a type of insurance that provides motorists with protection against financial loss in the event of a crash or any other covered peril. It provides coverage for: 

• Liability: Your legal duty to others for property damage and bodily injury
• Property: Such as theft or damage to your car
• Medical: The expenses related to treating your injuries, rehabilitation, and in some instances, lost wages and funeral expenses

Benefits of Having Auto Insurance

Some advantages of having car insurance include: 

• It covers you in case you cause an accident: Causing a crash is among the most stressful things that can happen to a driver because you are likely to be responsible for the resulting costs. Auto insurance will cover these costs on your behalf. 
• It can help you take care of damages resulting from “acts of God”: Extreme weather events such as ice storms, hail, and wildfires can damage your vehicle. Auto insurance can aid you in paying for the damage during these extreme weather events where no one is at fault.
• It protects passengers: If you are involved in a vehicle collision, your passengers will likely get injured. Auto insurance can help you pay for your passengers’ treatment.
• It can supplement your health insurance: Auto insurance can pay for the treatment your regular health insurance won’t cover. For instance, if you damage your teeth in a crash, you can use your car insurance and dental insurance to pay for treatment. 

Need auto insurance in Houston, TX?

Contact us at City Centre Insurance Agency LLC – we are happy to help!