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23830 FM 1314 Ste B
Porter, TX 77365

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Four Auto Insurance Terms You Must Be Familiar With

Purchasing insurance can be a little confusing and even a bit intimidating. The terminology alone can frequently create blank stares of confusion. It’s one of the benefits of dealing with a locally owned, independent insurance agency like JSI & Associates. We serve Porter, TX, Houston, and the entire state of Texas with a range of loss prevention products. We are here to answer your questions, assist in finding appropriate coverage, and shopping for competitive rates.

If you are in search of auto insurance, you don’t have to know everything about it. It can be beneficial, however, to understand these four basic terms.

1. Adjuster

If you have a claim on your auto insurance due to an accident, you will likely encounter an adjuster. This is a professional employed by your insurance company to settle claims brought about by policyholders. The adjuster is charged with evaluating each claim and is authorized to make payments to policyholders based on the terms of their policies.

2. Declaration Page

This is a valuable summary page of your insurance contract that contains information such as the name of the policyholder, a description of the insured property, the period the coverage is in force, and the type and amount of coverage. It is frequently the first page of a policy and is commonly referred to as a “dec page” or “dec sheet.”

3. Deductible

The deductible is the amount an insured is responsible for paying before policy proceeds are paid on a claim. Standard deductible amounts for Comprehensive and Collision coverage range from $250 to $1,000. The higher your deductible, the lower your auto insurance premiums may be. In a claim, however, larger deductibles will likely mean more out of pocket expenses.

4. Independent Agent

An independent insurance agent is a professional who represents the products of multiple insurance companies. Since they do not serve as employees of any single company, they are free to “shop” a variety of companies, working in the best interests of their clients.

JSI & Associates of Porter, TX is an independent insurance agency willing to do the shopping for you when it comes to auto insurance. Contact us to provide some necessary information, and let us go to work for you.