Teens and Auto Insurance
Watching your teenager drive off for the first time after they get their driver’s license can easily make you very nervous as a parent. You may also be shocked when it comes time to pay your auto insurance premium. Since teens are considered high risk drivers, they have some of the highest car insurance rates. If you are looking for the best way to keep your teen driver protected without emptying your bank account, keep these considerations in mind.
- Know when to add your teen to your policy – depending on your insurance company, your current auto insurance coverage may provide enough protection while your teen has their permit. You may only have to specifically add them to your policy once they pass their driver’s test. If you can, you may want to hold off as long as possible to add your auto insurance policy to help keep your rates low.
- Know what to do if you forgot – different insurance companies will automatically add your teen to your auto insurance policy when they get their license, which means that they will be covered if they have an accident. To ensure that you are safe and your claims will not be denied, make sure to call your insurance agent as soon as your teenager gets their license.
- Consider their own policy – instead of adding your teen to your existing policy, you have the option to put them on their own policy. While this will keep the cost of your coverage low, it will make their policy very expensive since they cannot take advantage of any of the discounts that you have. Ask your insurance agent what the rates will be with both options to decide which is best for you.
Contact the Insurance Agency of Dean Davis in Austin, Texas for all for all of your auto insurance needs for your teen driver.
Life Insurance Applications
Once you find the perfect life insurance policy that will provide the coverage that you need, it is time to apply. The application process can be a bit confusing, and knowing what you are getting into can help to make the process much smoother. Keep these guidelines in mind when applying for your life insurance policy.
The first step to applying for life insurance is filling out the paperwork. The life insurance application form will ask typical personal information, as well as your medical history. Make sure that you answer all questions completely and truthfully. When you turn in your application, your agent will check it against your medical records, so any questions that you were not truthful about will be easily found out.
After reviewing your application, your agent will decide if you need to take a medical exam. If you are under 40 years old and are applying for less than $100,000 of insurance, chances are you will not have to have a physical exam. However, if you are older than 40 and applying for more coverage, you will probably have to get a basic medical exam.
The paramedical service that conducts your medical exam may be mobile, and they will come to your house or office to conduct your appointment. You can also schedule an appointment at a qualified clinic that will send your results to your insurance company. During your medical exam, your medical history will be reviewed, and your physical measurements and vital sign will be taken. Typically, it will only take around 30 minutes for the entire exam.
When looking for the right life insurance policy, contact the Insurance Agency of Dean Davis in Austin, Texas. We will work with you to ensure that your application process is simple and that you have the coverage that you and your loved ones deserve.
Worker’s compensation insurance is meant to provide your employee’s with protection if they are ever injured while on the job. Even if you take all the proper precautions to keep your employees safe, there is always a chance that they will be injured at work. Some of the most common workplace injuries that you should guard against at your company include:
- Overexertion – which occurs when an employee pulls, lifts, pushes, or throws something which leads to an injury. An overexertion injury occurs when a joint is forced to move beyond its normal range of motion or when a muscle is pulled.
- Fall to a lower level – which typically occurs when an employee falls off a roof, ladder, or falls down a flight of stairs. This can include roofers falling off a roof, or a teacher falling down stairs.
- Slips, trips, and falls – most of these worker’s compensation claims when an employee slips on a wet floor, or on a snowy walkway.
- Bodily reaction – which occurs when an employee slips or trips, does not fall, but is still injured from the incident, such as a sprained or twisted ankle. This can happen at any time, anywhere on the company grounds.
- Struck by an object – which most commonly happens when something is dropped by another employee who is on a lower level, or when something falls off a shelf.
- Machinery accidents – these claims are most commonly reported in cases where large, heavy machinery causes injury to an employee by mutilating or crushing a part of their body. These accidents can have very steep medical cost ramifications.
For all of your commercial insurance needs to ensure that your employees are protected with the right worker’s comp. insurance policy, contact the independent insurance professionals at the Insurance Agency if Dean Davis in Austin, Texas.
Ice Cream Festival
There is no better way to cool down during the summer season than with a delicious ice cream cone, and there is no better place to enjoy that ice cream than at the 9th Annual Austin Ice Cream Festival!
This weekend, on August 8th, head out to Fiesta Gardens to enjoy all that this local event has to offer. Entry into the event is just $10, and gives you access to free ice cream! Bring the whole family out from 10 a.m. until 7 p.m. and try some of the most delicious ice creams available.
Along with the ice cold treats to enjoy, there will also be contests on site. If you have a favorite ice cream recipe that you think is the best in the area, you will not want to miss out on the Homemade Ice Cream Making Contest. Simply bring your own ice cream to the festival and see how you stack up against other ice cream makers. If you are looking for something more creative, then get ready for the Popsicle Stick Sculpture Contest. You have the option to build your creation at home and bring it to the festival, or make it on the grounds. You can use your own decorations and adhesives, but the main building material has to be popsicle sticks.
The Austin Ice Cream Festival has had the privilege to donate to many local charities and organizations in the area, including Big Brothers Big Sisters, the Austin Children’s Shelter, Habibis Hutch, and much more.
All of us at the Insurance Agency of Dean Davis in Austin, Texas would like to invite you and your family out to enjoy this local event!