car insurance claims | Paula Smith Insurance

What Happens When Lightning Strikes Your Car?

08/18/202208/16/2022 by Paula Smith

be sure you know what to do should lightning strike your car Last month we wrote about lightning and your home and how to be safe. This month we will talk about when lightning strikes and your car.

Lightning and thunder are common issues whenever a storm rolls up, and we know that happens pretty regularly in the Texas Gulf. You may know how to protect yourself, which is great. But, do you know how to protect yourself when you are in your vehicle? And what about your vehicle itself — is it protected against lightning strikes? Here’s what you’ll want to know about what exactly happens when lightning strikes your car.

Victim of Uninsured Motorist Accident? What To Do

12/21/202112/15/2021 by Paula Smith

protect yourself and your property in case uninsured motorists cause an accident Getting in an auto accident is bad enough, but what are you supposed to do when you are in an accident, and the other driver is uninsured? While it is certainly alarming to find out that you are now a victim of an uninsured motorist accident, there is plenty that you can do about it. Here’s what you need to know!

Car Insurance Fraud You Should Know About

09/16/202105/13/2021 by Paula Smith

Be sure you aren't committing fraud with your auto insurance Let’s just get this out there and out of the way right now: there are very few people who deliberately go out of their way to commit car insurance fraud. (Hopefully) Yet, it’s surprisingly easy to unintentionally commit insurance fraud. If you want to do whatever you can to protect yourself — and your rates — from insurance fraud, here are some types of auto fraud you should know about!

Teen Drivers and Crash Risk Factors

09/16/202101/15/2021 by Paula Smith

be sure you set ground rules for your teen driver When your teen gets behind the wheel, it’s normal to feel a bit of worry coming on. After all, they’re your child and you want them to always be safe. Plus, you have good reason to worry — teen drivers have quite a few age-specific risk factors that make driving a little more dangerous for them. If you’re looking to do whatever you can to help them out and protect their health and safety, here’s the deal on their crash risk factors.

What Affects Your Car Insurance Rates?

09/16/202101/15/2020 by Paula Smith

car insurance and what affects your car insurance rates When you get behind the wheel to head to work, school or just out and about, it’s pretty uncommon to think about your insurance policy in and of itself. However, the rates that you are paying are common frustrations, especially when a term renews and you discover that your policy amount has increased significantly, or at all. It leads many people to think: “Why does my car insurance keep going up?” Here’s what you should know.

What to Do if Involved in an Car Accident

09/16/202102/15/2019 by Paula Smith

Being involved in an accident is one of scariest moments ever when you’re behind the wheel. Not to mention if you are a young and/or new driver, it’s the worst! There’s no getting around that. Hopefully you will never have to worry about it, but if you do find yourself in an accident, knowing what to do (and not do) is important for making sure that it’s as streamlined as possible.

Car Insurance in Texas – What is Required?

09/16/202104/15/2018 by Paula Smirth

Get peace of mind with full auto coverage Putting your car on the road requires you to know what you need in order to put it there safely. One of those things is car or auto insurance. Not only does car insurance offer you protection, it also is required in the great State of Texas in order to legally drive your car anywhere off of private property. There’s your basic insurance, and then there are additional/optional kinds of insurance that you can add on on top of the legal basics that you need to have.

Car Insurance 101: What You Need To Know

09/16/202102/15/2016 by Paula Smirth

Car Insurance – Easy Peasy, Right?

Sifting through all of the insurance jargon alone, trying to make sense of it all, often feels like you need a Master’s Degree in the field just to understand it. We completely understand the frustration and confusion but are here to help. So, here is a breakdown of the information to help you understand the basics of car insurance policies. This will allow you to be more confident when purchasing the ever so important car insurance policy that best suits your needs, and to protect your assets should you have to file a claim. However, we are here as your personal resource, so if something doesn’t make sense, please contact us with questions on any personal insurance.

Understanding Your Car Insurance Claim Settlement

09/16/202112/15/2014 by Paula Smirth

Unfortunately you were recently involved in an auto accident. A week later you receive a settlement check from your insurance company and you are shocked and appalled at the settlement amount. Your car is worth so much more than the estimate. You wonder where on earth the insurance company get’s their numbers from. Don’t worry, you aren’t alone – and better yet, we can help!