Boat Insurance San Antonio .pdf
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Boat Insurance San Antonio
Offenhauser can help make your time on the water relaxed
and worry-free. We will find you comprehensive protection
that protects you, your friends and family, your watercraft and
your boating equipment. The average boat costs less than a
dollar a day to insure. You’ll enjoy being on the water even
more when you aren’t worried about your safety, the safety of
your passengers, or your investment.
Do you know what to look for in a Texarkana watercraft insurance policy? Offenhauser can help
you determine the right amount of coverage to meet your specific needs. Just contact us today
to get started.
Here are some items you’ll need to consider when shopping for Texarkana boat insurance.
Navigational Area : Know where you are covered in the water. Some insurance companies offer
protection that covers you up to 75 miles from the U.S. coastline, into Canadian coastal or
inland waters, and into the Pacific coastal waters of Mexico. In California, Florida and Oregon,
coverage for additional areas can be purchased.
Agreed Value Coverage : Watercrafts depreciate just like cars. Actual cash value policies can
make it difficult to replace a boat that has been stolen or destroyed. This means that if your
boat is a total loss you will get the value you insured it for, minus any deductible.
Liability : Like car insurance, personal liability coverage provides coverage to other boaters and
boat owners in the event you are at-fault for an accident on the water. This coverage will pay to
repair or replace the property of someone else as well as for their medical care, lost wages, and
other costs incurred as a result of a boating accident for which you are at-fault.
Medical Payments : Medical payments coverage will pay for the cost of needed care that is the
result of a boating accident. This coverage is available from $500 to $10,000 and covers you,
your passengers, and even your water skiers/tubers, regardless of who is at-fault.
Physical Damage Coverage : Physical damage coverage pays for the cost to repair or replace
your watercraft, its motor, any permanently attached equipment, and your trailer if it is stolen
Uninsured/Underinsured Watercraft Bodily Injury : Since boat insurance is not always
mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or
underinsured boater and you are injured, this type of coverage pays for medical treatment, lost
wages, and other costs associated with the accident.
Texarkana Auto Insurance
The right auto insurance policy can help get you back on the road
quickly if your car is damaged or destroyed by an accident, fire,
theft, or other event covered by your insurance policy. Your policy
may also provide protection against medical and legal expenses
resulting from injury, loss of life, or property damage caused by an
accident involving your vehicle.
An auto insurance policy is a contract between you and an insurance company.
You pay a premium and in exchange, the insurance company promises to pay for specific carrelated financial losses during the term of the policy. We can help you determine the best
coverage for your needs.
How much auto insurance is right for you?
Our team of insurance professionals understands the TX car insurance needs of our customers.
Auto insurance requirements vary by state. In some states, to drive you must carry:
Liability coverage to pay for losses you cause others
No-fault coverage to pay you and your passengers for medical and related expenses
caused by injuries from a car accident, regardless of who is at fault
Both liability and no-fault coverage.
We write insurance in TX and would be happy to help you ensure you have the right car
Even in states where coverage isn’t required, by law drivers must be able to pay for losses they
cause others. Having insurance is the simplest way for most people to comply. To finance a car,
it is usually necessary to have insurance which covers damage to your vehicle. This includes:
Collision Insurance: Collision coverage pays for damage caused to your vehicle in an
automobile accident. Standard collision coverage will pay for any repairs up to the fair market
value of your car. Collision coverage usually also comes with an insurance deductible. It’s the
amount of money you pay toward repairs before your collision insurance kicks in. The higher
the deductible you’re willing to pay, the less the collision coverage will cost.
Comprehensive Insurance (Other than Collision) : Comprehensive insurance covers damage
done to your car in some way other than a collision, such as if it were stolen or vandalized.
Flood, hurricane, theft, windshield damage and fire are also events usually covered by
comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value
of your car (less your insurance deductible.) Although it’s not legally required by any state, you
will probably need it if your car is financed.
For more information please visit