Insurance, explained for South Texas
Clear guidance for smarter insurance decisions.
Medicare Annual Enrollment runs October 15 to December 7. If your plan changed for next year, this is the window to switch.
Read the AEP guide
Commercial Auto
USDOT numbers, authority and insurance filings explained
When you need a DOT number in Texas, what the federal minimum limits are, and how the insurance filing reaches the government before you can haul.
Commercial Auto
Trailer interchange and non owned trailer coverage
Who pays when a trailer you do not own is damaged in your care, and the endorsement most carriers do not include unless you ask.
Not sure which of these applies to you?
Tell us your situation and we will point you at the right one. No obligation.
Call (956) 687 3334
Auto
Adding a teen driver to your car insurance in Texas
When Texas requires a teen on your policy, which car to put them on, and the discounts you have to ask for by name.
Commercial Auto
Insurance checklist for a new trucking business in South Texas
What to buy, in what order, and what it takes to get from a truck purchase to a legal first load.
Auto
What is SR-22 insurance in Texas and how long do I need it?
An SR-22 is a form your insurance company files with the state, not a type of insurance. What sets it off in Texas, and how long it stays.
Auto
Does my car insurance cover Uber, DoorDash or delivery driving?
A personal policy generally excludes driving for pay. Where the app's coverage starts and stops, and the endorsement that closes the gap.
Auto
Do I need the rental car company's insurance?
What your own policy usually does, what a credit card may add, and when the coverage sold at the rental counter is worth buying.
Commercial Auto
Radius of operation and why it changes your premium
Local, intermediate and long haul rating, what happens when you take one load out of state, and how to keep the classification honest.
Auto
What is a named driver policy, and should you avoid one?
A named driver policy covers only the people listed on it by name. Anyone else who drives your car is not covered, and the bill lands on you.
Commercial Auto
What is an MCS-90 endorsement and does it protect me?
The MCS-90 guarantees payment to the public, not coverage for you. What it does, what it does not, and why the difference can cost you.
Auto
How to file a car insurance claim in Texas, step by step
What to do at the scene, how to report the crash, how the adjuster and the estimate work, and what to do if you disagree with the number.