Cheap Car Insurance in Mcallen Texas From $34/Mo, Free Quote in Victoria, Texas For Sale

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Characteristics of Group Auto Insurance Group auto insurance is purchased by an employee and underwriting on the driving experience of the individual and the particular insured designation. In this case, policy limits are set according to the insured's driving record and insured designation. In order to reduce adverse selection, some companies require at least 75 percent of a company's employees be covered. Aside from the characteristics inherent in group coverage, two additional features distinguish group from individual auto policies. These relate to the definition of insureds and benefit schedules . The Insureds. Employees become insured after the completion of a waiting period, determined by the employer, and request the insurance by completing an enrollment form. The amount of insurance coverage is scheduled by one insurer according to the insured's driving record and insured classification, i.e., named insured or secondary. Here a lesser amount of coverage is provided by the latter. For example, the named insured may be protected with $100,000 bodily injury liability coverage, while only $50,000 applies for a secondary insured who does not have insurance. Also, a different deductible and a coinsurance feature are used with respect to a secondary insured. Note that policy exclusions parallel those contained in individual policies. Group auto coverage is regarded by employees as a method of relieving their individual auto insurance problems which essentially relate to cost and availability. It should be noted, however, that employer contributions are Reducing Auto Insurance Costs A number of auto insurance companies offer discounts that entitle policyholders to a lower rate.
For additional information on auto insurance requirements, please visit Texas Department of Auto Insurance.
For more information on Mcallen, please go to Official Site for Mcallen .