Category: Auto Insurance

If you are like many classic car enthusiasts living in or near Beaumont, TX, you may buy an older vehicle to restore it to its former glory. For a significant portion of the time after the purchase, your car may sit in your garage in an undrivable state during restoration. Do you still need insurance? The answer is yes; JD Insurance Group can help explain why you need coverage to protect your vintage auto.

What a General Classic Car Policy Covers

Classic car restorations can take years to complete. During this time, you cannot drive the vehicle, as it may not have an engine or one or more additional essential parts. Classic car insurance considers that you won’t use your collectible car as your primary means of transportation. Most insurers will require proof that you have another vehicle for daily use. Nevertheless, a general classic car policy is still not enough if you intend to do extensive work for your four-wheeled baby. A general policy will cover you for liability, collision, and the other common elements of an auto policy, but if you run into trouble during storage, you need more

Restoration Coverage is Essential

Also called "Vehicle Under Construction" coverage, this part of a classic car is an add-on to your primary policy. You’ll need to provide proof that you are actively restoring your vehicle and detailed explanations about the work being done. Usually, you can increase the amount of your car’s agreed-upon value while restoring it. Restoration coverage is a temporary add-on, so you can cancel it when you have completed the work.

For more information on how classic car restoration coverage works, contact JD Insurance Group, serving Beaumont, TX. We will gladly design a policy to meet your needs.

Whether you have a new or old car, it is essential to have car insurance. In Beaumont, TX, auto insurance is required by law if you want to register your vehicle.

Here are some benefits to having car insurance.

Protect Against Liability

If you are in an accident and are determined to be at fault, your car insurance policy may help cover legal expenses. Your policy will also help pay for damage to the other person’s car and their injuries, up to the limits of your policy. Without it, you could be on the hook for tens of thousands of dollars.

Protect Against Accidents

If you are in an accident that is not your fault, your car insurance will help pay to repair your car. It may help if your vehicle is vandalized or damaged in a storm. If you have a loan on your car, your lender will require you to have full coverage insurance, covering accidents, theft, and damage.

Save Money on Car Repairs

If you’re in an accident and need to have your car repaired, your insurance will help pay. This can save you a lot of money, especially if your car is not new. Also, you’ll only have to pay your deductible and not the total cost of repairs.

A JD Insurance Group agent can help you learn more about your options. 

Ensure You Can Get Back on the Road Quickly

After an accident, you may need to have your car towed to a mechanic. The right policy may help pay for the tow and a rental car while your vehicle is being repaired. This can get you back on the road quickly and help you avoid any delays in your daily routine.

Contact JD Insurance Group in Beaumont, TX to find the best car insurance coverage for you. We can help you find a policy that fits your needs.

Most people who buy auto insurance don’t understand what they are purchasing. Regrettably, it’s only after accidents that they realize they aren’t covered against certain perils. They say that information is power. And the truth, this notion isn’t an exception to insurance. To that end, here are facts that every Beaumont, TX driver should know even as they purchase auto insurance from JD Insurance Group. 

Auto insurance is mandatory in Texas.

Yes, you know this, but we will say it nevertheless. Just like most states, auto insurance is mandatory in Texas. The state requires you to carry minimum bodily injury and property damage liability coverages. Failure to have auto insurance, you risk fines and penalties that include license suspension.

Understand the difference between commercial and personal auto insurance

Most people assume that private auto insurance applies when they use a personal vehicle for commercial purposes. Doing this exposes you to unpaid damage costs if your car gets into an accident while carrying out business duties. 

State-required minimum insurance is never enough.

Yes, it’s vital to comply with the state-required auto insurance minimums, but this doesn’t protect you and your vehicle maximally. Mandatory insurance protects other persons but not you and your vehicle. As a result, consider other auto insurance options for all-round protection. 

Make sure you have personal injury protection (PIP) coverage

Given the country’s escalating healthcare costs, it’s a no-brainer to ensure that your health is covered. When involved in an accident, you and your passengers could face substantial medical bills for accident-related injuries. Without health insurance, medical costs could hurt your finances significantly.

Furthermore, PIP coverage extends to cover partial loss of income and funeral expenses for you and your passengers following an accident. Indeed, this is a cover that every driver can’t afford to drive without.

Auto insurance in Texas

Are you renewing or shopping for new auto insurance? Don’t worry. Instead, contact JD Insurance Group in Beaumont, TX for proper auto insurance coverage.