West Comma Insurance

05/11/2026

Steps to filing a hail damage claim on your auto insurance:

1.Verify Coverage-Check your deductible and any glass-specific coverage.
2. Document the Damage-Take clear, detailed photos of all dents, chipped paint, and broken glass from multiple angles. Record the storm date, time, and location.
3. Evaluate Repair Options-You can choose a repair shop.
4. File the claim-Contact your insurance company via phone, app, or online portal.
5. Adjuster Inspection-An insurance adjuster will inspect your vehicle, either at your location or a repair facility.
6. Settlement or Total Loss-
Repairable Vehicle: The insurer pays for repairs minus your deductible.
Total Loss: If repair costs exceed a set percentage of the ACV (typically 50–75%), the insurer may declare the car a total loss. You can accept the payout and surrender the car, or keep it and receive a reduced payout minus salvage value. The title will be marked as salvage if totaled.

04/02/2026

Types of Travelers Home policies:

Homeowner -
Quality coverage to fit your needs. Custom build an insurance policy with more coverage options, such as water back-up and identity fraud expense reimbursement coverage. Save with discounts for companion Travelers policies, smart protective devices and being loss free.

Tenant-
Provides affordable financial protection for belongings in a rented home or apartment, and important liability coverage and additional living expenses in the event of a loss.

Condo-
Coverage unique to condo and co-op needs. In addition to covering personal belongings and structural elements that are the insured’s responsibility, there are options for loss assessment coverage for damage to items like common areas.

Landlord/Homesaver-
For customers who rent one or multiple properties, Travelers offers quality coverage to protect their investment. Customers can save when they insure their Auto and Home with Travelers.

03/27/2026

Progressive auto coverage:

Progressive offers basic auto coverage options, which include bodily injury liability, property damage liability, medical payments, comprehensive, collision and uninsured or underinsured motorist coverage. It also has some add-on coverage options, such as:

Roadside assistance: Pays for emergency services like towing or help with a breakdown or flat tire.

Custom parts and equipment protection: If your car has special features like custom wheels, this policy protects them.

Rental reimbursement: Covers the cost of a rental car while your vehicle is being replaced or repaired due to a covered accident.

Deductible savings bank: Can help save money during each policy period you don’t make a claim.

03/09/2026

254-826-5442

02/23/2026

What is a car insurance deductible?:

An auto insurance deductible is what you pay "out of pocket" on a claim before your insurance covers the rest. Collision, comprehensive, uninsured motorist, and personal injury protection coverages all typically have a car insurance deductible. You typically have a choice between a low and high deductible. A low deductible means a higher car insurance rate, whereas a high deductible means a lower rate.

How do car insurance deductibles work?:

Deductibles for car insurance require you to pay the deductible amount every time you file a claim. Once you pay the car deductible amount, your insurer will cover the remaining cost to repair or replace your vehicle. Auto insurance policies don't require you meet an annual deductible. The two most common car insurance coverages that include auto insurance deductibles are comprehensive and collision coverages.

Example:
You have a $500 deductible and $3,000 in damage from hitting a deer. With comprehensive insurance coverage, your insurer will pay $2,500 to repair your car, and you'll be responsible for the remaining $500.

Example:
You have a $300 deductible and $1,200 in damage from colliding with a light pole. With collision insurance coverage, your insurer will pay $900 to repair your car, and you'll be responsible for the remaining $300.

Is it better to have a high or low car insurance deductible?:

A high deductible is better if you want to save on your car insurance rate, while a low deductible is better if you want more protection from future out-of-pocket costs. Car insurance deductibles typically range from $100 to $2000. The most common deductible our drivers choose is $500. Here’s a simple way of understanding it:

Higher deductible = Lower car insurance rate, higher out-of-pocket costs

Lower deductible = Higher car insurance rate, lower out-of-pocket costs

Let's compare a $500 deductible to a $1,000 deductible. If you choose a $500 deductible, your rate will be higher than if you choose a $1,000 deductible. If you were to file a claim with a $500 deductible, however, your out-of-pocket cost would be $500 less than if you filed a claim with a $1,000 deductible.

The best deductible amount is an amount that you're comfortable paying in the event of a claim. It's also important to consider your driving history and the likelihood of filing a claim.

02/23/2026

02/11/2026

Thanks Bianca and Derek!

11/21/2024