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Form 870 online Bexar Texas: What You Should Know
Your e-mail address will be posted on the Website for your convenience. TOTAL Property and Casualty Insurance: An Uninsured/Under insured Motorist Insurance Pool TOTAL Property and Casualty Insurance is the most comprehensive type of insurance available to property owners. It's designed to insure all individuals and/or households against any loss that cannot be covered by other insurance. By choosing to insure your property as part of a total property program, you can ensure that your own property and that of your employees are covered by total property insurance. The minimum coverage that you need is 30,000 for the person or household insured and up to 15,000 per event for a vehicle. Insurance Coverage The coverage is calculated based on your property coverage. If your coverage is less than your insurance coverage, the difference is made up in the amount of your property insurance coverage, subject to a maximum of 1,000 for uninsured motorists. If you or another person is damaged by an uninsured motorist, any remaining property owners money will be paid to the person that was damaged. An additional 350 is added to the total property and casualty insurance premium for property owners who have had at least one claim made against us by an uninsured motorist for the same damage. Property Coverage The coverage is for property damage that exceeds an unoccupied dwelling unit by 1,000 or more in value (unless the dwelling unit is a home). For homes with less than 1,000 in value, the coverage includes all the items of the same type as defined in TCA 546.003(a). If the value of a house exceeds 1,000 in value but the amount of damage from an uninsured motorist is less than 1,000 in value, a maximum of 1,000 in property coverage is obtained. No claim may be made for property damage more severe than 1,000 in both value and time (e.g., if the uninsured motorist is in your driveway for 30 minutes, then 1,000 is the minimum coverage required). The coverage does not include a claim for property damage where the insured, the insured's spouse, or any other covered person was the driver at the time of the accident. There are special rules for liability coverage under a property and casualty insurance program, discussed below. The coverage does not replace any current total property and casualty insurance policy.
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