Category: Auto Insurance

San Antonio is located deep in the Lone Star State, where rustic charm meets the hustle and bustle of city life. Local motorists know that navigating the city’s streets can sometimes feel like maneuvering through an unmarked obstacle course.

The professionals at Ellis Insurance Agency in San Antonio, TX offer a few tips on how auto insurance can protect local drivers from some of the most dangerous intersections in the city in the guide below.

Examples of San Antonio’s Most Hazardous Intersections

• Wurzbach Road and Fredericksburg Road: This intersection is known for having multiple lanes, which produce heavy traffic and pose a significant risk for auto accidents, especially during peak times and rush hour.
• Loop 410 and Interstate 10: The junction where these two major highways intersect poses a high risk of accidents for distracted or speeding drivers.
• Bandera Road and Loop 1604: The intersection of Bandera Road and Loop is known as a hotspot for traffic congestion, which causes frequent fender benders, sideswipes, and rear-end collisions.

How Auto Insurance Can Protect You

Having adequate auto insurance in San Antonio is one of the best ways to safeguard your auto against collisions that can happen in the city’s most dangerous intersections.

• Liability Insurance: helps local drivers meet legal requirements for state insurance minimums and protects at-fault drivers from accident-related legal fees, medical claims, and property damage claims.
• Collision insurance: can help motorists who have been in an accident to offset the costs of repairs to their vehicle – regardless of who is at fault. Comprehensive insurance can cover a wide range of incidents.

Contact the insurance professionals at Ellis Insurance Agency in San Antonio to learn more and get a quote today!

Emergency services in and around San Antonio, TX, including police, fire, and medical response teams, are dedicated professionals who work tirelessly to serve their communities, often responding to life-threatening situations and emergencies. However, their critical work comes with unique challenges, one of which is reliance on vehicles for rapid response. Auto insurance supports emergency services and ensures their operations run smoothly.

The Importance of Auto Insurance for Emergency Services

Emergency services heavily rely on vehicles to respond quickly to incidents. Whether it’s a police cruiser, a firetruck, or an ambulance, these vehicles are essential to their work. Auto insurance for emergency services provides:

1. Vehicle Replacement: In the event of an accident or damage to a vehicle, auto insurance covers the cost of repair or replacement. This ensures emergency services can maintain their fleet’s readiness and respond to calls immediately.

2. Liability Protection: Liability coverage protects emergency service personnel and their organizations from potential lawsuits in the event of an accident while on duty. This safeguard allows emergency services to focus on their critical work without the burden of legal and financial consequences.

3. Personal Injury Coverage: Auto insurance covers personal injuries sustained by emergency service personnel while on duty. It ensures that medical expenses and rehabilitation costs are handled, allowing first responders to recover and return to service as soon as possible.

4. Uninsured/Underinsured Motorist Coverage: This coverage safeguards emergency service vehicles and personnel if involved in an accident involving an uninsured or underinsured driver. It ensures that medical care and vehicle repair costs are covered, even when the responsible party lacks adequate insurance.

Ellis Insurance Agency Can Help You

At Ellis Insurance Agency, we can help answer questions concerning auto insurance. We serve the San Antonio, TX area. Contact us today. 

It is not unusual for parents to feel frightened and stressed out when teens start driving. Properly educating your teens on safe driving tips is crucial to their overall safety and well-being. At Ellis Insurance Agency, serving San Antonio, TX, and the surrounding areas, we hope to help with this job by providing safety information for teen drivers.

Here are the top 3 safety tips teen drivers need to know:

No Distracted Driving

Distracted driving is a broad term, and it is broad on purpose. There are so many different things that can distract your teen when they are driving. The most common distraction is phones. Texting, calling, or any way touching a phone while driving can cause a dangerous situation. Phones are not the only distraction though. Passengers, eating, grooming, or doing any other activity other than paying attention to the road, can pose a threat to your teen’s safety. 

Seat Belts

Although seat belt laws have been enforced for decades, this is still a habit that is difficult for some. Make seat belt usage a non-negotiable even before kids are driving age. This way, they will know that there is simply no option. You must wear your seat belt. 

Follow The Speed Limit 

Teens have a bad habit of pushing boundaries, and this applies to the boundaries of the roads as well. Speeding contributes to deadly accidents. Decreasing speed can decrease the damage that may be done to a vehicle or to a driver if they do happen to get into an accident. 

Get Auto Insurance Today

If you would like to learn more about vehicle safety and insurance, please contact us at Ellis Insurance Agency serving San Antonio, TX and the surrounding areas. We will be happy to help you. 

If you have auto insurance and a peril covered under the policy occurs, you need to file a claim to receive a settlement. However, it’s critical that you file your claim correctly because failure to do so can result in the claim being rejected by the insurer. Ellis Insurance Agency provides this guide on how to correctly file your car insurance claim in San Antonio, TX. 

Filing An Auto Insurance Claim: What You Need To Know

1. Call the 911 and Your Insurance Company

Depending on what has happened, the first thing you should do after an incident that is covered by your car insurance policy occurs is to call 911 and your insurance company. If it’s a criminal incident like theft or vandalism, your first call should be the police, then your insurer. If it’s an accident, call the police and emergency services so that anyone injured can receive timely medical attention, and then call your insurer. If the incident is damage to your vehicle due to a natural disaster, all you have to do is call the insurer.

2. Collect Evidence of the Incident

At Ellis Insurance Agency, we recommend that during your call with your insurer, you inquire what evidence they would need of the incident to assess your claim. In the case of an accident, vandalism, or damages by a natural disaster, use your smartphone to take detailed photos of the damage to your vehicle. Ensure that also capture wide-angle images of the location of the incident. In the case of theft, capture pictures of where the car was when it was stolen and get a police report.

3. Submit Your Claim With Evidence

Fill out the claim form from your insurer and submit it with the evidence you collected. Your auto insurer will review your claim, and if everything matches up with the terms of your policy, your claim will be approved.

Contact Us Today

Do you need auto insurance in San Antonio, TX and the surrounding areas? Call Ellis Insurance Agency today.

There are many types of auto insurance coverage options available, which leave many wondering if they have enough accident coverage. The experts at Ellis Insurance Agency understand the need for accident insurance and do not want San Antonio, TX, residents wishing they had more coverage after an accident. When shopping for an insurance policy, make sure to discuss your options with your insurance agent and ensure you have enough coverage in the event of an accident. 

Below are the different coverage options you will benefit from having when in an accident:

Bodily Injury Liability

This coverage pays for the damage caused to someone else’s property and injuries when you are at fault. For example, if you caused an accident and are sued for the damage, this policy covers your court costs and legal defense. Additionally, liability coverage pays for the other person’s medical bills, lost wages, and compensates for pain and suffering. 

Collision Insurance

This coverage pays for the damages caused to your vehicle after being in an accident with another car or object or in the event of a rollover. 

Medical Payments

This coverage, often called personal injury protection, pays for medical bills and funeral expenses when the policyholder is injured in an accident. This policy may also provide coverage for lost wages and other related costs associated with the accident. 

Uninsured Motorist

This policy covers you if you are hit by a driver who does not have insurance coverage or enough insurance coverage to pay for your damages. 

Do not wait to discover you do not have enough San Antonio, TX, accident insurance coverage. Instead, call the experts at Ellis Insurance Agency today to learn about the different coverage options and which one is best for your needs.