#and it should surprise exactly zero people that this bill is from TX

[hustlemeanokay]

"emmaubler

When you ask government to do the jobs parents should be doing, not only will they objectively do a terrible job, they will use the opportunity to take away more of your privacy and infringe further upon your rights."

SAY IT LOUDER FOR THE PEOPLE IN THE BACK

objectively good idea

[wallbrat]

Felicia

I Intro I read a lot. I research. I pay attention to the news. I do a lot of fact checking. I have 10 to 15 news sources and the news I pay attention to is domestic and international. I spend hours fact checking because people lie. I also make mistakes. If you can prove to me, logically, that I’m wrong, I’ll admit it, apologize and write a retraction. Keep all of this in mind as you continue. II History I’m a student of history. My favorite periods are Ancient and Medieval, however, I’ll read about any period. I spent a few years digging into WWII because my Grandfathers served then. For the last few months I’ve been focused on WWI and the Spanish Flu. The H1N1 virus got it’s nickname not because of where it originated. Spain was neutral and wasn’t under media censorship like the countries fighting the war. Anything detracting from the war effort was not allowed so the news you saw then was not impartial. Spain, however, reported on a disease that was killing people. While H1N1 impacted us in 1918 and 1919, there were reports of it back in 1915. Yes, our government knew about it and restricted the information because of the war effort. The H1N1 virus hit America in three waves, the second wave being the worst. A deadlier strain of H1N1 surfaced and was spread by the massive troop movements of the war. It’s been said that the dropping of the quarantine restrictions are what caused the second wave and that’s incorrect. While it was a small factor, the troop movements are what spread the new strain. The cramped conditions and the malnutrition among the soldiers hastened the spread. It’s estimated that 500 million people died from H1N1. While that doesn’t sound devastating today, in 1918 that was about one third of the world population. The transmission vectors for H1N1 and Covid-19 are similar and a century of time doesn’t tend to change that. While we lack the troop movements and the conditions of WWII, we more than make up for that with our transportation technology. If that technology had been present in 1918, the death toll would have been much higher. We’ve been extremely lucky so far, yet stupidity is attempting to alter that. III Rampant Stupidity Why do we refuse to learn from the mistakes of the past? We have people protesting, with loaded guns, because they want a hair cut. Instead of throwing these morons in jail, they are allowed to continue in their stupidity. I have a few questions for these paragons of questionable intelligence. Where did you get your medical degrees? What? You don’t have medical degrees? OK. Then your Google Fu must be strong. What? You didn’t use Google? Where are you getting your information then? Ahh, I see. It all becomes clear to me now. This is not about politics and it never has been. These shining examples of American arrogance are simply angry because they’re being told what to do. They think they know more than the experts and they rage against any kind of restriction. Instead of doing what they need to do to protect their families and themselves, they prove their stupidity by endangering everyone around them. If people are still wondering why I view humanity as a failed experiment, this is a perfect example. IV The CDC I'm not a doctor and I don't play one on TV. They have advanced degrees that qualify them to advise us on disease, contrary to what some might choose to believe. Science is fact. Disbelief of science does not invalidate it. In the middle of a pandemic, these are the people I'm going to listen to. Our politicians have no more training in this than I do and out President is less than worthless. To the idiots protesting: No. Your Google Fu is not strong. You're not a scientist or a doctor of anything. If you won't protect others by doing what you're told then stay away from me an mine. I'm 54 years old with a stressed immune system. I follow what's been laid down because I refuse to put you at risk. I could be asymptomatic, meaning I could have the virus and have no symptoms. Having no symptoms does not entitle me to disregard the advice of the experts. Your Pastor or Priest is no more an expert than you are. Some churches ignored the restrictions and what happened to them? Many got sick and others died that may not have if they had done what they were told. V Trumpus Defectus To be clear, our president is neither insane or damaged. He simply doesn't care about you. As long as you vote for him, you could die immediately after casting that vote. He's a billionaire and you're not therefore you're beneath his notice. You don't care about the feelings of a bug when you step on it and that's all you are to him. He's been trained that way since birth. Most of the other billionaires are just like him, he's simply in the public spotlight. Most of the older politicians are no better than he is. They've been bought and paid for decades ago. The sooner we realize that we're nothing more than voting numbers to them, the sooner we can actually make our votes mean something. VI The Economy Money is nothing but ones and zeros in a computer. The dollar is worth what those computers say it is. The economy should have been shut down completely, No money, no revenue, no bills yet everything continues. We could have stayed home, ordered what we needed until this virus burns itself out. Afterwards we could have restarted things, there would have been no penalties and everyone would have been fine. If we had done that it would have restructured the economy, which is exactly why it wasn't done. Another option would have been to turn all of the billionaires into millionaires. Take everything that the filthy rich have, above $500 million, and use it to pay the American people to stay home. We don't need billionaires or the class distinctions they create. It's obvious why this wasn't done. VII Mental Restructuring Since I can't give our country the mental ass kicking it so desperately needs I have to focus inwards. While I'd like to say that this is by choice, it was forced by recent events. Few things are more painful than discovering, or feeling, that you're insignificant in the scheme of things. During a pandemic, our focus should, understandably, on our families and ourselves. Survival is paramount. Understanding that, with the exception of two people, I've done all of the reaching out to make sure that people are OK. These are the same two people that poke ate me if I've been quiet for too long so I wasn't surprised that they reached out first. I'm not a needy, whiny bastard. I'm fairly self-sufficient, I can order what I need and I'm a fairly good cook. Pumpkin, Onyx and I are fine alone, especially since I'm not a big fan of humanity in general. I love certain people but humanity, as a whole, is a lost cause. I didn't reach out for personal connection. I did it see how my friends were doing mentally. The Covid-19 situation has been tough on everyone, especially those of us with mental illnesses. I'm 54 years old with ADHD, Anxiety, Depression and three hernias requiring surgery, which explains the stressed immune system. If it wasn't for the fact that my meds had been increased a month or two before this happened, this situation would have broken me. Two people checking up on me would not have been enough to stop me from imploding. I would have been reduced to a gibbering mess because of the stress or I'd be dead. I'm fine because I noticed a couple of things about five months ago and I consulted my doctor about it. Most people in this situation aren't as lucky as I am, which is why I reach out. Having only two people that bothered to make sure I was OK was eye opening. I'm forced to reevaluate why certain people are in my life and who remains. VIII Bye, Felicia This has honestly been coming for a long time. There are people that only contact me when they want something, usually money. There are others that don't do anything. It's past time to do some pruning. I don't like giving up on people which is why I've avoided this for so long. There are some that are immune to this. My three adoptive sisters in my local area and the ones I love who are out of state. CA, WA, CO, UT, WI, WY, LA, TN, TX, GA, NJ, NY, NH and MD. Wow. Apparently I love more people than I thought I did. They know who they are. If not then they aren't paying attention. If I contact you or interact with you, in any fashion other than work, then I probably love you. Toxic people are leaving as I can't afford to keep them around. Stupidity is also making an exit. Stupidity is Willful Ignorance so why would I want them around to begin with? I have a perfect example of both. There's a post circulating on Facecrack. This one states that the plight of the jews in the Nazi concentration camps is comparable to the Covid-19 quarantine. An old friend shared that on my timeline. If he had been anyone else, I would have deleted and blocked him without hesitation. The only reason he remains is that I've known him for 38 years. I'm waiting to see what he does next. Student of history, remember? I studied WWII in depth so that means that I know more about the concentration camps than most people. The jews were herded there a variety of ways, primarily by train. They were tortured, experimented on, starved, brutalized, a huge number of them were gassed to death and those are actually the high points. It was much worse than I'll ever be able to properly describe and in no way is it even remotely similar to our quarantine. Freedom of speech does not mean freedom from consequence. We're all free to say anything that we want to. We just need to be prepared for the repercussions that arise. If anyone else is stupid enough to share something like that on my timeline, or share it any other place that I can see, they are gone. No questions asked. All anyone needs to do to understand the difference between the two situations is to read a US history book that covers WWII. Posting crap like means that you're choosing to ignore basic evidence. I have no room for anyone like that so Bye, Felicia. IX Best vs Worst This situation can bring out the best or worst in people. You can rise to the occasion or you can sink into depravity. There are plenty of example of both around us. I'm working from home. My bills remain paid. My cats and I are fed and safe. I choose to help where I can. While it's true that I have little faith in humanity, that doesn't mean that I have to circle the drain with the rest of them. I will always try to help those around me. I've been extremely fortunate during this and that should be shared with those that are struggling. This is going to get worse before it gets better. I hope I'm wrong yet there are reports of increases in the infection rate where businesses are being reopened. The last thing we need is a second wave but I'm afraid it may happen. X Dystopia I look around and I have to wonder if we're ever going to grow up as a species. We keep making the same mistakes decade after decade. It's a wonder that we haven't blown ourselves off of the planet. The truth is that this is already a Dystopian society. It's not as bad as the examples we see in movies and on TV yet we are moving towards that. Compared to 20 years ago, we have less privileges now than we did then. We gave them away in exchange for the illusion of safety. We have privileges, not rights. Rights don't exist and are simply an invention to make us feel superior. If it can be taken away, it's a privilege. XI Conclusion While that last part was a little darker than I intended, it is true. I write, primarily, to relieve stress and to clear out my head. It gets pretty cramped in there otherwise. While this won't win me any friends, I may actually post this. My life needs some simplifying anyway. Namaste

[perfectirishgifts]

Why Joe Biden Should Reform, Not Repeal, The Windfall Elimination Provision

New Post has been published on https://perfectirishgifts.com/why-joe-biden-should-reform-not-repeal-the-windfall-elimination-provision/

Why Joe Biden Should Reform, Not Repeal, The Windfall Elimination Provision

Is Social Security a “pension benefit”? Not really. It’s a social insurance program, which means something entirely different. As I I explained last month, Social Security is meant to provide a baseline level of retirement provision for all American workers. We contribute for our entire working lives, but our contributions aren’t about directly “earning” benefits as with an employer pension, but supporting the entire system, which provides disproportionately-higher benefits for low earners, people with gaps and fewer years in their earnings history, married people with little or no working history, spouses and children of deceased workers, and so on.

In that sense, it’s never been appropriate to measure individual “return on investment” in the same way you would measure returns on a 401(k) account. And it’s never truly been appropriate for some workers to opt-out of the system, though that’s the reality of our system, for better or for worse. Who are these opt-outs? Public employees in 15 sates; clergy who choose this option, and federal government workers hired before 1984. As I’ve written in the past, workers in these categories who also work at “regular” Social Security-participating jobs in the private sector benefit unfairly from provisions meant to provide special assistance to low-income workers. (Don’t believe me? Check out what the center-left Brookings Institute wrote in September.)

And that’s where the Windfall Elimination Provision comes in. This reduction to Social Security benefits attempts to remove the “excess” benefits that are really meant to boost the benefits of low-income workers. But retirees who are affected look at their Social Security benefits as if the unadjusted formula is something that they have “earned” every bit as much as their employee pension, and, based on this perception, think these reductions are unjust — a complaint I hear frequently in reader comments and correspondence. The NEA, as the largest teachers’ union, has repeatedly called for the WEP to be eliminated, misleading their members by using this problematic rhetoric: “The WEP causes hard-working people to lose a significant portion of the benefits they earned themselves.” They urge their supporters to support the Social Security Fairness Act, which would completely repeal the WEP and the related GPO. So have other organizations, such as Illinois’ State Universities Annuitants Association. And incoming president Joe Biden has promised to do exactly that — for instance, in the “unity task force recommendations.”

But — again — this is not about remedying unfairness. It’s about giving teachers and other Social Security opt-outs extra benefits not really meant for them.

What’s more, to the extent that the WEP is too blunt a tool and penalizes some people too much, there are reform proposals that make a heck of a lot more sense.

Here are three.

First, that Brookings report I linked to above? The author points to the easiest possible reform: just move every worker into Social Security so that these consequences of opting out become a non-issue. To be sure, though, it’s still necessary to find fairer ways of dealing with benefit adjustments during the transition period.

Second, there are two pieces of legislation that directly target the WEP.

Sponsored by Democrats, H.R. 4540, the Public Servants Protection and Fairness Act, was introduced last year by Rep. Richard Neal (D-MA), Chairman of the House Committee on Ways and Means. It would make three changes: for future retirees, it would switch from the existing formula to a new one based on proration of lifetime earnings more in keeping with the fundamental premise of Social Security as a lifetime-earnings benefit; it would boost existing retirees’ benefits by up to $150 (or remove the existing reduction, if less than this); and it would reflect the WEP reductions in Social Security statements so that there are no surprises at retirement. Those future retirees for whom the new method would worsen, rather than improve, benefits, would keep the original reduction.

On the Republican side, H.R. 3934, the Equal Treatment of Public Servants Act, was introduced by Rep. Kevin Brady (R- TX) is nearly identical except with a $100 rather than $150 increase for current retirees, and with the restriction that the “greater of” benefit provision would not apply to those entering the workforce in the future, that is, those who become eligible for benefits after the year 2060.

Third, the Committee for a Responsible Federal Budget produced a set of ideas for economic growth-promoting Social Security reform in a report in 2019; one of their proposals was a “mini-PIA.” Their objective is not to address the WEP directly but to promote changes to Social Security that promote work (or at least don’t penalize it), and they address, in this proposal, the fact that workers don’t earn any extra benefits for working more than 35 years.

Here’s how it works:

At the moment, Social Security takes all years of covered earnings, indexes them (that is, adjusts them for increases in average wages since the particular years that pay was earned), takes the highest 35 years, sums these and divides by 35, to get the average indexed earnings to use to calculate Social Security benefits, or the PIA (Primary Insurance Amount, the basic Social Security benefit). For someone with more than 35 years of work history, the extra years are “lost” and don’t have any effect on benefits. In principle, working an “extra” year at a pay rate higher than one of the 35 will boost benefits by some amount, however small — but that part-time job in high school or college or at the end of your career, not so much. For someone with less than 35 years, years of zero earnings don’t reduce benefits in proportion to the number of years, because they reduce the average earnings, and the nature of the Social Security benefit structure is to provide relatively greater benefits as a percentage of pay for lower than higher earners. Both these elements of the formula benefit not just people with large gaps in their work history but also people with continuous work history but some of their working lifetime with employers who opt out of Social Security.

In the proposed “mini-PIA” approach, each year of pay would be treated separately — indexed to adjust the wages up to current-year levels, then used to calculate a single-year partial benefit or “mini-PIA.” All these “mini-PIAs” would be added together, for as many years as a person had work history. For someone who worked more than 35 years, benefits would increase for every extra year they worked. (Don’t worry, a later part of the report addresses solvency issues.) For someone who had “real” gaps in work history that are not smoothed out by the year-by-year calculation, the proposal also promotes a new “poverty protection benefit.”

What’s it matter?

Of course, the WEP matters a great deal for those affected by it. But these proposals are also representative of a larger issue: does Congress work for a solution which is a fair and reasonable solution to the problem, or do politicians become trapped by promising interest groups their complete demands will be met? It is worth recognizing here that the NEA, though it opposes the WEP in its entirety, provides links and forms for its membership to e-mail their Congressmen to urge either the full repeal or the proration reform (or both, apparently).

And here’s the perspective of the “Mass Retirees” advocacy group, in calling for the legislation to be attached to an upcoming federal appropriation or budget bill:

“[I]t is highly unlikely that legislation fully repealing the WEP and GPO laws will pass the House – never mind the US Senate, where a 60 vote majority is needed to pass legislation. As has been the case throughout the 37 year history of reform efforts, full repeal legislation is unlikely to pass Congress.

For this reason, Mass Retirees is focused on passing WEP reform and then working to improve the benefit from there. As I have said in the past, we cannot allow another generation of public retirees to suffer while we await the perfect solution. After 37 years of waiting, the time to act is now.”

Advocating for sensible and reasonable solutions, rather than trying to grab the maximum possible, is something we sorely need now.

As always, you’re invited to comment at JaneTheActuary.com!

More from Retirement in Perfectirishgifts

[noahwells1990]

is texas a no fault state for auto insurance

BEST ANSWER: Try this site where you can compare quotes from different companies :insurancefinder.xyz

is texas a no fault state for auto insurance

is texas a no fault state for auto insurance that has no penalties. There are 12 no fault states, one being Arizona, the other a New Mexico.  The penalty for driving without coverage in either state is suspension of license, fines and license. You cannot drive uninsured even in states where the penalties aren t hard to determine.  We provide free auto insurance quotes that is tailored to the drivers and their lifestyles so there are no surprises with just an auto insurance price.  Free auto insurance quotes are available and can help ensure you are paying the best possible premium.   We accept most insurance companies AIS Update:  In a separate statement to The Zebra, State Farm Vice President Michael Leggett and National Association of Insurance Commissioners (NAIC) Commissioner William H. Glovsky issued a statement Sunday afternoon stating, “It is important that drivers understand that there are not minimums for insurance coverage that may not provide them with adequate protection against accidents.  This is why our agency and the insurance commissioners of the. is texas a no fault state for auto insurance. This means that the person fault for the accident can’t have your own car nor is it legal that the driver be covered by his auto insurance. In Texas, no-fault insurance is basically the cheapest option that people choose. Cheapest insurance in TX? In most cases, someone who isn’t a driver in your vehicle but is driving an uninsured vehicle will pay for your damages. In fact, this means that the cost of repairing a broken leg will much $25 without a car wreck. This means that the price for damages you cause to other people or property is very affordable. This means that Texas is in a similar situation as every other state and cannot refuse to pay for your damages. That being said, in most cases, every car insurance company in Texas will offer to pay your damages. If your damages are in a car accident, if you have been in an accident, and if you are found to be responsible for the accident, then you have some recourse. is texas a no fault state for auto insurance in the state of texas There are ways to get cheap insurance for as low insurance quotes can be in Texas. It is important to compare as many car insurance quote options as possible when looking for cheap auto insurance in the state. In this guide, we will help you to see what the best providers are and help you to get the cheapest insurance rates for your vehicle. Insurance in Texas is going to cost you a lot more. Why would you ever need insurance? At the end of the day, insurance is a necessity. Whether you will ever need , , and many more, you will need a minimum amount of car insurance. So, to protect yourself, Texas is a state law with mandatory coverage for all drivers. With Texas insurance on the rise, it is important to stay vigilant to ensure that you are covered against the unexpected. is one example of what we here in Texas might call a Minimum-Car Insurance Policy. This statute states that Texas auto insurance law does not require drivers.

What is No Fault Insurance?

What is No Fault Insurance? You may think that the insurance is for you, it is not. This is simply the reason that it is considered a basic insurance and your insurance company will not ask their risk management representative to provide you with a refund for that amount of money they are paying us for. But there is a solution to this problem. There is a no fault car insurance policy in the USA where you will receive all legal treatment if you are harmed by someone you are driving under the influence with a high-powered motor. You could sue the person that hit you to get compensation for you for your injuries. If no one should have a luxury car or car you dont want to drive it would be a way to save money. If no one should have a luxury car to get to you. This is not an easy thing to do. You can do much less and it will get cheaper. What does this zero-fee liability insurance cover? This liability insurance doesn’t cover you completely but will give you.

How to Use No-Fault Insurance Coverage to Your Advantage

How to Use No-Fault Insurance Coverage to Your Advantage Whether you’re buying a new car or taking out a $400 credit, you’re going to need car insurance. While you can work to keep up with payment costs and deductibles, you can’t go into your policy with a car without insurance. Without proper coverage, you’re breaking the bank and putting yourself at financial risk. Even if you’ve been at fault in a car accident, your insurance rates could sky-rocket, possibly making it difficult to get an affordable premium. This is exactly why you need full-coverage car insurance. Even if you drive a car without proper coverage or owe your insurer more money than you expected, you might not get screwed for paying your premium. There are many factors that affect your car insurance rates — like your credit score, your car make and model, your age, and even your driving record. You can’t put all these factors under one insurance company. Each company has their own.

Three Types of No-Fault Insurance Coverage: UM/UIM, Med Pay and PIP

Three Types of No-Fault Insurance Coverage: UM/UIM, Med Pay and PIP Coverage. The minimum liability car insurance requirements are: (UM/UMIM) : Underinsured motorists can be covered by these 2 types of no-fault insurance coverage: Collision and comprehensive coverage is optional. If you’re financing or leasing an auto or another type of car, car insurance is required by law. The car insurance limits for California’s minimum coverage are typically $15,000 for a single person, $30,000 for multiple drivers, and $5,000 for property damage, among other things, age, and credit. The Cal-Vue system uses a telephone number to ask questions and register uninsured motorists or uninsured motorists’ insurance coverage. The system uses a telematics system, which measures your driving distance from the nearest licensed vehicle. California’s minimum liability coverage is generally lower than the national average, but your personal liability limits are higher than most states. You can face many difficulties when you choose an insurance company. However, there.

Texas’s Fault Insurance Claims System

Texas’s Fault Insurance Claims System, it will take at least $100,000 from a covered car owner’s injuries to have your policy actioned. Even if you don’t own a car, you can buy a policy that’s specifically designed to help you pay your car accident bill. Your insurance carrier can issue policies that follow the laws of your state. However, to find and compare quotes for these two kinds of policies, you’ll need to shop around. You could get your own independent quote today. Compare Car Insurance RatesRight now, we have a plethora of car insurance companies. You want to compare the options, prices, coverage, discounts or premium rates with your chosen insurance company – it’s like it’s driving around in your neighborhood. But if you want the lowest possible insurance, you’ll have to make some phone calls to the insurance carrier s agents. You’ll need to work with an independent broker who can shop your coverage. If you.

How to lower car insurance costs without losing coverage

How to lower car insurance costs without losing coverage? Auto insurance is governed by a few key factors. These factors include your: To learn about how to improve car insurance without car insurance, check out this great list of tips that may help you get better coverage and lower. Disclaimer: AutoInsurance.org strives to present the most up-to-date and comprehensive information on saving money on car insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage. You could have a higher premium if you don’t use your car 24 hours a day, 7 days a week if you don’t drive 24 hours a day, every time. This could cause your car insurance to significantly increase. Your credit could affect how much you pay for car.

How do no fault-laws affect car insurance coverage?

How do no fault-laws affect car insurance coverage? You can take your car insurance with you with you from your place. Some of the benefits of getting car insurance with no fault laws are that you have a lot of choices whenever you buy your car insurance policy. If you’re new to car insurance policies, chances are the first thing you will talk to your agent will be to say I’ve spent alot of time on my car and this is my first car and this has been my first car. The car was just too long to be fixed by my insurance. Or I was thinking of leaving a bad comment . I should talk with your agent to make sure you are aware of the no-fault rules and make sure you don’t have any type of negative or embarrassing comments. Yes, the car is covered under the insurance policy itself. But in order for your car insurance policy to take effect, you must pay your bill in the state in which you live where you live. This can mean that a car.

Texas Auto Insurance Requirements

Texas Auto Insurance Requirements Alabama car insurance policies cover injury and medical expenses when the driver at fault is disabled, up to the limits of the driver’s policy.  In most cases, an at-fault driver is also legally required to carry a minimum of liability car insurance, which means the driver must provide proof of insurance as well as a statement confirming that the driver he or she is insured.  Although these requirements are high, many drivers opt for additional coverage to further protect themselves from higher premiums.  Many drivers fall into the category of “snowbirds,” due primarily to the winter weather s tendency to bring storms and lightning across the state.  In Alabama, however, homeowners are advised to obtain homeowners insurance quotes from several private companies first, before purchasing any type of home coverage.  In some areas, however, major hurricanes or tropical storms are particularly dangerous, and hurricanes and hurricanes are often catastrophic, resulting in high losses to homeowners in the future.  It is therefore in your.

How traffic violations affect my auto insurance rates

How traffic violations affect my auto insurance rates. I am not at fault to my last month at one of the companies. After an incident, was my auto insurance monthly cost $45.00 to $45.00 per day. So, my monthly total insurance was over $150 in 1 month and I had to pay in full. They will deduct your account from this. My policy will be cancelled again this month so I will cancel it to see if anything was covered. Thanks and have a great month! The company is very polite and is very helpful. Also the coverage is good the agents on my behalf as they would be able to get me the right amount of coverage and make my premium pay as lower as possible for auto insurance. I would highly recommend this company. Thanks for a great policy you are getting from this company they offer pretty low monthly payments, as far as auto insurance, I had to pay in full and a few days later on my last day of driving she had just hit me. I am pretty happy, I.

Contact Morrow & Sheppard LLP about Your Texas No-Fault Insurance Claim

Contact Morrow & Sheppard LLP about Your Texas No-Fault Insurance Claim & Special Section.  Our experts provide you with the information, tools and resources necessary to protect your finances and your clients’ future as well as your assets. Our Houston office staff will review your coverage.  We will help you choose the best car auto insurance policy to meet . It is vital that you have the right coverage and protection for your auto, boat, boat, RVs, motorcycles, RVs, RVs, and recreational vehicles. Contact our office to learn more about how we can help. Our car insurance office can help in many ways. Contact today for a free free auto or boat insurance quote. We offer car insurance coverage in all Texas cities and towns. We know you do not want to pay out of pocket to get a quote for your vehicle insurance policy. Contact our office today to learn more about car insurance for your vehicle and motorcycles. Contact our office today for a free insurance quote. The Department of Insurance of California requires all drivers to have an anti-theft.