Guest Blogger – Alfred Walker
In today’s world of ever-growing populations from city to city and state to state, it is not only important to have auto insurance coverages that you can afford, but we have also found that it is even more important to select coverages that you fully understand.
What is full Coverage?
A full coverage automobile liability policy is simply a combined collection of coverages that include your state’s required limits of liability and comprehensive and collision deductibles that are required by a lien holder or the bank that is financing your vehicle to cover catastrophic events such as fire, wind, hail, theft/damage, or a self-caused collision. That’s right, the term full coverage can be deceiving.
Are you properly covered?
Let’s look at a few of the missing coverages that are not always required in the basic full coverage package. In the state of Texas alone, there are close to 20% of all drivers who do not carry auto insurance at all. So if you are a part of the 80% and your vehicle is damaged by an uninsured motorist, you can be financially responsible for your deductible and possibly take the risk of your insurance rates going up as a result of filing a claim.
Protect Yourself
However, if you have uninsured motorist coverage included in your policy, your vehicle could be repaired and hospital expenses could be handled without this risk. So the term full coverage should only be used when you fully understand your options and have selected coverages that you can afford and fully understand.
Alfred Walker Insurance Agency
Alfred Walker – Agency Owner
Tel: (972) 688-6090
Fax: (972) 688-6123
awalker1@walkerinsurancecompany.com
A Little About Alfred Walker
Alfred Walker is a Texas-born and Dallas/Fort Worth-based business professional. Over the past decade, Alfred Walker has spent his professional career learning sales and managing and training employees to help them reach their full potential in their careers.
Alfred received his Bachelor of Business Administration with a major in Management from Sam Houston State University. He and his wife Tiffany, of 16 years, and their two children, daughter Alexis and son Alfred III, reside in the Dallas/Fort Worth area. After a career in sales and management in the corporate world of business, Alfred decided to make his dream of owning his own business a reality.
For the past 9 years, Alfred has been a business owner with one of the nation’s top insurance providers and most recognizable insurance brands, Farmers Insurance. In just his 9-year tenure with Farmers Insurance, Alfred has continued past behaviors of receiving some of the companies’ most prestigious awards that are offered and is committed to excellence for the rest of his career. Now on a new journey as an independent insurance professional with almost a decade of experience, Alfred’s ongoing mission is to “help families and individuals reach their goals and protect their dreams through insurance services.” The philosophy behind the mission is to aim for greatness in everything you do and never settle for anything less. Treat others as you want to be treated and in the long run greatness and success will come back to you.
