Mt. Franklin Insurance’s experienced agents are dedicated to serving you.
Learn About Mt. Franklin Insurance
We serve the southwest region, including New Mexico and Texas, with offices in El Paso, TX, and San Antonio, TX. As an independent agent, we have the flexibility to quote multiple insurance carriers, allowing us to help our clients find the most suitable rate and coverage. Our objective is to save you both money and time. Whether you need state minimum coverage or the most comprehensive protection, we are the insurance broker to contact. We only recommend what you truly need.
Our deep insurance knowledge, combined with decades of experience and friendly agents, helps keep your assets well-protected. We simplify and streamline the insurance buying process. Our strong reputation is something we take great pride in and continually strive to maintain.
It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.
Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.
When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.
The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.
Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.
Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.
What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.
Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.
Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.
Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.
When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.
Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.
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What Our Clients Say
“Mt. Franklin Insurance has been extremely helpful at helping me choose better Insurance coverage at the best price. Our agent in particular is kind, respectful and professional. She’s made this process easy and stress-free.”
– Judith
“Love the above and beyond great service we get from this company. They go out of their way to do what they can to help us get the best rates they can with good companies. They also are on top of making sure if our rates go up, to look for other reputable companies that fill our insurance needs.”
– Ted B.
“I’ve been a customer with Mt. Franklin Insurance for over 5yrs, and always had great experiences. Their customer service is amazing. I highly recommend Mt. Franklin Insurance, don’t hesitate to give them a call, you won’t be disappointed.”
– Patricia D.
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