Austin, TX Insurance You Didn’t Know You Needed
Austin, TX insurance is easy to find. There are a wide variety of places that you can buy the coverage you need. Austin, TX Renters Insurance is cheap and easy to find, for example. But what if you don’t know you need the coverage? Is there an insurance policy out there that will protect you from a risk that never even crossed your mind? There absolutely is, because in Austin, you can insure anything. Anything at all. What’s the latest trend in coverage? DUIs.
Nope, they’re not selling auto insurance in Travis County. It works a bit differently than that product.
It’s really important to clarify one thing before we go any further. “I Drink Responsibly” does not purport to be insurance. It’s marketed as a product that’s something like insurance, but the word “insurance” is never used on the website. They do use the word “deductible,” which might cause some readers to infer that it’s insurance, but it is not.
What this product appears to be is more akin to a prepaid service arrangement. As long as you’ve paid your $19.95 a month, they agree to defend you against your DUI for payment of your deductible. In return for your monthly payment, they basically agree to defend you and the only payment they’ll ask is your deductible.
- $500 for misdemeanor DWI (Class B)
- $750 for misdemeanor DWI (Class A)
- $1,500 for felony DWI
Ultimately, they’re not wrong that this represents a significant value if you need them. While the only “provider attorneys” appear to be associated with The Hull Firm of Austin, TX, they never said that they had a wide network or that someone specific would take on your case.
But here’s the thing: Austin has Uber. Austin has Lyft. Austin has cabs. You get the idea. If you lived in Albany, NY, we might see the utility of a program like this – in Albany, it’s near impossible to find a cab outside of a few blocks downtown, and you’re likely to wait forever – especially late at night. Not that lack of cabs is a reason to drive drunk, but you have even less reason to drive drunk (and buy a discount DWI defense in advance for the same) in Austin.
What insurance products should you buy in Travis County? Austin, TX Renters Insurance protects your stuff from theft while you’re out at the bar. It can also protect you from liability if you’re stumbling from bar to bar and cause someone to trip over you and they get injured. But on top of that, renters insurance in Austin will also protect you when you’re sober, and when you’re not in Austin. That coverage travels with you, and it will even provide a defense against liability claims.
While every now and then, a new insurance product will come on the market that has real value and meets a previously unmet need, I Drive Responsibly isn’t one of them. For far less money you can be covered with renters insurance that gives you the protection you deserve. To find out more, just call (800)892-4308 or click to get covered - whether you need Austin renters insurance quotes online or coverage anywhere else!
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Photo Credit: Ibrahim Owals “My Drunk Cat” CC BY SA 2.0 (No cats were harmed in the making of this post. Photo author acknowledges that the kitty is cuddling non-alcoholic beer.)