What Happens If I Am In An Accident and I Have No Insurance?

It is a federal and state wide requirement that all drivers have at the very least a liability auto insurance policy in place. So what happens when drivers are in an accident and do not have a policy? The repercussions are more severe than you might imagine. If you live in the Austin, TX area do not go uninsured, the agents with Ty Lawrence Insurance Agency can help you find the perfect policy.

The first course of action that is going to occur if you are in a reported accident and you do not have insurance is likely a fine or a ticket that is going to be issued by the responding officer. It is their legal duty to report uninsured drivers, and if you are in an accident with no coverage, you are liable.

The next step is often legal action against the person that does not have insurance. The other driver might choose to sue you for medical costs, deductibles for their policies, or even pain and suffering dependent on how bad the accident is. This is done to help cover the costs that they incur as a result of the accident.

It is important that if you are considering driving with no insurance, you understand that the other driver can sue you for your wages, your property, and large cash settlements that can essentially ruin a person financially. There is no excuse for not having some insurance policy as it is a law and there are now more coverages than you might have ever imagined.

For those that live in or around the Austin, TX area, the agents with Ty Lawrence Insurance Agency can help you find the policy that is going to fit your needs and your budget.  

4 Tips for Filing an Insurance Claim After a Break In

Theft at your home can be devastating. Not only has your sense of security been compromised, but the loss of your valuables can make it difficult to feel at home again. Ty Lawrence Insurance Agency offers the following tips that are designed to help Austin, TX homeowners navigate this difficult time. 

1. Take inventory

While it might be evident that your home was broken into, what might not be immediately apparent is the extent of your loss. Carefully go through your entire home and make a list of any items that are missing or damaged. 

2. Contact law enforcement

Filing a police report of the burglary as well as any damage incurred is the next step of filing an insurance claim. That police report is a document that your insurance company needs to see. It needs to be added to your insurance claim file. 

3. Call your insurance company

While you might be shaken after a burglary and not ready to deal with the incident, you need to contact your insurance company as soon as possible afterward. Not only does doing so mean that you are compensated for your losses sooner, but there is often a time limit on the claims that an insurance company will pay. 

4. Document the damage

You’ve heard the saying that a picture is worth a thousand words, and it is particularly true in this case. Be sure to document the damage the occurred as the result of the break in. Both pictures of individual areas of damage as well as a walk-through of your home provide valuable evidence to back up your claim. 

Need help sorting through a burglary at your Austin, TX home? Contact Ty Lawrence Insurance Agency for guidance today!

3 Reasons to Purchase an Auto Insurance Policy Today

Purchasing auto insurance can be a pain. However, it is also vital. For residents of Austin, TX, purchasing a quality auto insurance policy should be of the utmost importance. The following is an overview of three reasons why you should purchase an auto insurance policy today.

It’s the Law

Firstly, no matter where you live in the United States, you are likely expected to maintain auto insurance on your vehicle. For Austin, TX residents, rather than waiting until you are forced to purchase it by the powers that be, buying an auto insurance policy today can save you’re from penalties such as fees and even jail time. 

Protection Against Lawsuits

Moreover, if you are involved in an accident without coverage, you could be on the hook for many thousands, or in extreme cases, millions of dollars. By purchasing your auto insurance policy now, you could be saving yourself some serious cash later. 

Peace of Mind 

Lastly, purchasing a high-quality auto insurance policy gives you peace of mind while on the road. Although accidents happen and are sometimes unavoidable, by maintaining a high-quality auto insurance policy at all times, you are ensuring that you, your passengers, and your vehicle are covered under even the most dismal of circumstances. 

Overall, purchasing a high-quality auto insurance policy is highly important. Let Ty Lawrence Insurance Agency assist you. Simply call, stop by, or email us today to find out how you can begin your policy at once and save. Don’t get caught without quality auto insurance coverage. Call Ty Lawrence Insurance Agency today and take back your most precious possession, your peace of mind!