Category: Auto Insurance

When you are going on a road trip, you’ll have a lot on your mind. One of those things is safety. It may be on your to-do list as you prepare for your next vacation or travel adventure. But all too often, some basic maintenance items get easily overlooked in a sea of road trip preparations.

At Ledford Agency LLC, we want all Midland, TX road trippers to be prepared and safe on the roads. Use these tips to make sure your car is safe before you head out.

Check Your Tires

A flat tire or a tire problem when you are on a road trip can ruin the entire itinerary. It’s a bad mood for a little while in the best case scenario. Just check your tires before you head out.

Get your tires checked and rotated if it has been a while. Make sure the tire pressure has been checked and the air pressure is good. It would help to purchase a tire pressure gauge from the hardware store so that you can check your tire pressure when you are on the road as well. Do the same thing with your spare tire as well, and have all the tools that you need for it on hand.

Check the Brakes

Brakes are a critical safety component of your vehicle. It won’t cost a lot to have your brakes and all fluids, lines, and hoses are inspected. You want to have your parking brake checked as well.

Get your fluids topped up if you need them, and have the linings and pads on your brakes looked at. It may just need a look for a mechanic to tell you it’s okay.

Wipers

Have a look at how your wipers are working. If they leave marks when they are wiping, or don’t work well, get them replaced. A set of wipers won’t cost very much, and could make a significant difference in bad weather on the road. Be sure that your fluids are topped up here as well.

Drive Safely!

When you are preparing for a road trip in Midland, TX, these are the most important things to get done first. Have your insurance information handy at all times, and update or review your policy before you go. At Ledford Agency LLC, we are a phone call away when you want to check that off your to-do list prior to a road trip. Call us to update or review your plan today.

Texas like other states has basic amounts of insurance drivers in the state are required to carry. The basic amount is 30/60/25. $30,000 in injury coverage for one person and a total of $60,000 for all those hurt in a single accident and $25,000 for property damage. At Ledford Agency LLC in Midland, TX, our team is dedicated to helping our clients get the insurance they need. 

Basic auto insurance is just that basic. If it is all you can afford it is adequate but if you have assets, it may not be enough coverage to protect you. Liability insurance protects you from legal actions against you in addition to just the medical and property coverage. If there are multiple injuries, and you are at fault, you could find your assets in real danger. With liability coverage, it is safest to have as much as you can afford. You may even want to think about adding the protection of an umbrella policy. 

If you have a car loan or are leasing your vehicle you will be required to carry comprehensive and collision coverage.

If like most people you need your vehicle as a part of your normal life, having collision and comprehensive coverage is important even if you don’t lease or have a car loan. This coverage is on your vehicle and will protect you from damage due to an accident you cause and from other things you have no control over. If your car is stolen, that is where comprehensive coverage comes in. If your windshield gets a crack, you will be able to have it replaced. If hail damages your vehicle, you can bring it into the shop for repairs. 

If you need auto insurance or have questions about your coverage, contact Ledford Agency LLC in Midland, TX. 

In the Midland, TX area, owning a car is considered a necessity for many people as it will make getting around the community a lot easier. If you are a Midland car owner, you must get proper insurance coverage for your vehicle. Here are a few reasons that the average car owner in this area will need to have an auto insurance plan. 

Auto Insurance will Protect Assets.

A key reason you will need to get an auto insurance plan is to protect your asset. If you are going to buy a car, it will be something that you rely on and want to last for a long time. If you do not have insurance and the vehicle is stolen or damaged, you will need to come out of pocket completely to repair or replace it. Fortunately, you can offset this risk by getting a full insurance plan with both collision and comprehensive coverage.

Insurance is Required

Drivers in Texas also will need to have an insurance plan to stay in full compliance with Texas law. All drivers on public roadways in Texas must maintain auto insurance that at least includes liability protection. Additionally, most car lenders will require that drivers carry auto insurance will collision and comprehensive protection until the loan is repaid. 

Anyone in the Midland, TX area that is looking for an auto insurance plan can benefit by calling the team with the Ledford Agency LLC. When working with the Ledford Agency LLC, you can spend time learning more about your different insurance options. This will help you assess your needs and build a plan that protects you and keeps you in full compliance with all insurance obligations. 

When you own or lease a vehicle, having the best auto insurance you can afford gives you peace of mind. In an ideal world, you would never drive any car but your own, and no one but you would ever drive your vehicle. Unfortunately, you don’t live in an ideal world, and the chances are good that you will drive a different vehicle at one time or another, and someone else will drive yours. Whose insurance provides coverage is a question many people have. When you have insurance questions, Ledford Agency LLC in Midland, TX is here to answer them. We place our customer’s needs first, and you can count on us to be there for you. 

When it comes to auto insurance covering me or my vehicle, the answer is insurance covers your vehicle. If you have drivers in your family who live with you, they should be listed on your auto insurance as a driver. This way, they can drive your car without issue. If you drive someone’s vehicle, their insurance covers you. If, however, you drive a rental vehicle, your insurance may cover you, be sure to check with your carrier. 

If there is someone who might not live with you but who is a regular user of your vehicle or vehicles, such as a caregiver or a nanny, you may also be able to add them to your policy. But in this case, you should check with your insurance carrier to see how they want you to handle this. When someone uses your car with your permission, they are covered by your insurance. If they have an accident, you will have to pay the deductible to get your car repaired. If your car is used without your permission, the driver’s insurance bears responsibility. 

Contact Ledford Agency LLC in Midland, TX for all your insurance needs.