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AUTO INSURANCE

Why do you need insurance?

Automobile Insurance is the only way to have peace of mind knowing that you are financially protected from paying the other driver’s car repair and medical bills if you cause an accident. 

Texas Law requires all drivers to prove they can pay for damages in case of causing an accident. And the best way to do so is with auto liability insurance.

What is Auto Liability insurance?

Auto Liability insurance pays to repair or replace the other driver’s car, or other damaged property and pays for other people’s medical expenses when you’re at fault in an accident.

 

It is very important to understand that if the limits of your insurance are not enough to cover the loss you will be liable to pay out of pocket for the remaining balance. 

Type of Auto Coverage

Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Understanding your liability coverage is very important to make the best decision when quoting for auto insurance. 

The 1st number represents the maximum amount any ONE individual can receive for bodily injury (100,000)

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The 2nd number represents the maximum amount that the insurance will pay out TOTAL for bodily injury (200,000)

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The 3rd number represents the maximum amount that the insurance will pay out for property damage (100,000)

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Something to think about!

The minimum required by Texas law is 30/60/25. But please keep in mind that this coverage might be too low if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket. The other driver could sue you.

Collision coverage This part of the coverage is the one that protects your vehicle, so basically this is the one that pays to repair or replace your car after an accident. You can choose to have this or not included in your policy

Comprehensive coverage This type of coverage is the one that will cover your car if it gets stolen or damaged by fire, flood, vandalism, or something other than a collision.

Medical payments coverage This pays your and your passengers’ medical bills. It also pays if you’re hurt while riding in someone else’s car or while walking or biking.

 

Personal injury protection (PIP) coverage is similar to medical payments coverage. It pays for you and your passengers’ medical bills. But it also pays for things like lost wages and other nonmedical costs. All auto policies in Texas include PIP coverage. You can decide if you want to have this coverage or not, don't forget to let your agent know.

Uninsured/underinsured motorist coverage This is an optative coverage that pays if you’re hit by someone who didn’t have insurance or didn’t have enough to pay your medical and car repair bills. It also pays if you’re in a hit-and-run accident. If you don’t want it, you need to let us know in writing.

Towing and labor coverage This will cover if your car needs to be towed. It also pays for labor to change a flat tire or jump-start your battery.

Rental reimbursement coverage will pay for a rental car if your car gets stolen or if it is in repair.

 

Now you are ready!