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Overview - Auto Insurance

Automobile insurance is not just a good idea, in Texas it’s the LAW. Every driver on the road needs to carry automobile insurance to cover damages caused to property and other people in the event of an accident. Minimum car insurance limits are set by state regulators, but with the average cost of a vehicle going up every year, along with medical expenses, a minimum limit auto insurance policy is hardly enough to cover you in the event of a serious accident.

So what does an auto insurance policy cover:

  • Collision Coverage – covers damage to your vehicle involved in an accident.
  • Comprehensive Coverage – covers damages to your vehicle from causes like fire, hail, theft, vandalism, or other covered events.
  • Bodily Injury – covers you against a claim or lawsuit if anyone other than you is injured in an accident that you or another covered driver has caused.
  • Property Damage Liability – coverage for damage you may have caused to another person’s vehicle or property as a result of an accident.
  • Medical payments – coverage for medical expenses for you, your family, and your passengers.
  • Uninsured/Underinsured Motorist – Coverage for a hit-and-run accident, an accident caused by someone with no insurance, or not enough insurance to cover your loss.

So what does an auto insurance policy cover:

  • Rental Reimbursement – coverage that allows you to receive a replacement vehicle while your vehicle is getting repaired or replaced.
  • Towing & Labor – Provides you with towing for a disabled vehicle.

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