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337 Oaks Trail

Ste 200 Garland, TX 75043

(972) 681-6297

Mon - Fri 8:30am - 4:30pm

Insurance News & Featured Articles

Ann Mullen

Another New Beginning – Insurance Checkup

Some things lend themselves to regular check-ups and some things do not.  Insurance too often falls into the latter category.  

With the speed of today’s life and our day-to-day activity, it can be too easy to sign the renewal paperwork, write a check and move-on.  That works very well for a lot of dealers for a lot of years.  As long as your insurance needs remain unchanged, it is likely your current policy is providing the correct protection — likely, but not positively.  And the scary part is that you will not realize where the coverage is lacking until you have a loss jeopardized by inadequate protection.  

The best time to review your insurance is:

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Ann Mullen

CO-INSURANCE: What is it?

Few things are more frustrating than getting less than what one thinks they paid for. When we make a deal, whether it is to hire a job done, buy a car, secure insurance or anything else, we assume all parties will keep their ends of the bargain. If you are paying fifty dollars to have a couple of cars washed or detailed, you anticipate that will happen before you part with the money. If you are buying a car, you check it out first to be sure you are getting your money’s worth. Payment-after-the-fact eliminates a lot of the buyer beware dangers that accompany most purchases. Insurance does not lend itself to such a safeguard.

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Car Dealership on fire
Ann Mullen

Do I Need Fire Insurance

On January 18, 2010, a fast-moving fire gutted part of a car dealership in west Houston. The two-alarm fire was confined to a building that housed the used car showroom. I don’t know any of the specifics of this fire or the results of any investigation into the blaze. I just know fires occur with regularity regardless of the season, the industry or the value of the property burned. I’ve worked with clients who had the foresight to buy property insurance and those who didn’t. Take my word for it, it is much more pleasant to work with those who have the coverage they need at the time of loss.

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Are you getting what you paid for
Ann Mullen

IS ASSOCIATION MEMBERSHIP IMPORTANT?

Mullen Agency has been associated with and a supporter of Texas Independent Auto Dealers Association for thirty-plus years. TIADA is focused on protecting the industry from over-regulation and provides powerful advocacy and a full-time lobbyist. So, whether a member or not, every independent Texas auto dealer benefits from TIADA’s existence. That alone is enough to make me a fan! After all, Texas used car dealers comprise a majority of Mullen Agency clients and they are who we have worked for and with since our doors opened in 1988.

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Ann Mullen

Let’s Talk ‘Insurance Audits’

Income tax season often brings ‘audits’ to mind and it occurred to me it might be a good time to talk a little about insurance policy audits. They are rarely as painful as an IRS audit, but they can be a real hassle if you are not prepared. So, let’s cover the basics of getting prepared and knowing what to expect from your next insurance audit.

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Ann Mullen

ADMITTED – NON-ADMITTED

Confusion runs rampant among insurance buyers when it comes to the differences between admitted and non-admitted markets. When I first became active in the property and casualty insurance business, I was taught that it was always more advantageous to use an admitted market vs. a non-admitted one when seeking to protect my clients’ interests. That certainly sounded logical then, and still does today, but my experience has educated me beyond that simple statement. I’ve learned there are caveats to be considered when choosing a proper insurance carrier.

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Natural Disaster Extreme Storm
Ann Mullen

After a Disaster Happens

What’s the first step a dealer should take after a disaster happens? Well, the first steps should actually be before the disaster happens. Let’s take a look a 4 key steps to take before the clouds roll in.

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Hail Damage Car Windshield
Ann Mullen

Let’s Talk Auto-Safe Hail Insurance

Based on our ringing phone, our access to the new Auto-Hail Safe product has gotten the attention of a lot of Texas Auto Dealers. So much so, that I decided a brief informational website article might be of help to all independent auto dealers.

This policy is the first ever parametric hail insurance policy with immediate hail storm payouts, no deductibles and…

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EPLI Insurance Woman being bullied in the workplace
Ann Mullen

Employment Practices Liability Insurance

In today’s economy and with rapid changes taking place across industries, employment practices liability claims have become a reality.

No longer is the exposure limited to large companies or larger corporations. Indeed, smaller companies are equally at risk.

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Worker injury photo with yellow hard hat
Ann Mullen

Why You Should Buy Workers Comp Insurance

There are a number of ways small business people can protect themselves by being proactive in the management of their insurance program. One important important way small business owners can protect themselves is with the purchase of workers comp insurance.

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Ann Mullen

Loaner Cars or Temporary Vehicles – Changes in Texas Insurance Law

If you have ever lent a car or provided a loaner vehicle and the borrower had an at-fault accident, you have likely experienced the liability headaches associated with the practice.  Even if you haven’t had personal experience with the perils involved, a knowledgeable garage insurance agent has mentioned them to you on multiple occasions.

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