West Texas Insurance Agency

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We are glad you have found our website. It is our intention to provide the our clients, and prospective clients, with an understanding of some subjects we specialize in. If you have a need for any of our services, please call or complete one of the quote forms provided.

Our West Texas Insurance Agency Team has extensive experience and knowledge in the insurance policies we offer as well as the expertise on how to use those insurance coverages to provide maximum benefit and protection to the clients we serve.

Each state must implement either a Tort System or a No-Fault System. Liability insurance above applies to the Tort system. In a no-fault state your insurance company pays you directly for your losses as a result of injury sustained in an accident, regardless of who is at fault. If the other driver was injured in the same accident, the other driver collects losses from his or her own insurance company. You could be sued only under specific conditions. You could be sued if you are the driver at fault in an accident that causes very serious injuries to others.

In almost all HMOs, you either are assigned or you choose one doctor to serve as your primary care doctor. This doctor monitors your health and provides most of your medical care, referring you to specialists and other health care professionals as needed. You usually cannot see a specialist without a referral from your primary care doctor who is expected to manage the care you receive. This is one way that HMOs can limit your choice.

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