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Auto Insurance Coverage

Property Damage Coverage

Property-damage liability pays to repair or replace property that you destroy. This includes other cars or property, such as fences. If hit a $60,000 car and total it, and have an $50,000 isurance limit. You're responsible for the remaining $10,000 and could be sued for it. Liability insurance has no deductible.

Bodily Injury Coverage

Bodily Injury is written as two numbers such as 50/100. That would Translates to $50,000 coverage per person, $50,000 per accident. Bodily-injury liability will pay for others’ medical bills and lost wages when an accident is your fault. It also pays for your legal bills if you are sued.

Personal Injury Protection (PIP) Coverage

PIP coverage pays for medical expenses and lost wages irregardless of other insurance. It pays for you and your passengers who are injured in or around a vehicle whether it's your vehicle or someone elses. Personal injury protection insurance is similar to medical payments coverage but with an important difference. PIP covers other expenses such as lost wages, rehabilitation services, and funeral costs.

Medical Payments (MedPay) Coverage

Medical payment (MedPay) covers medical bills for you, your family and others riding in your vehicle in case of an accident, regardless of who's at fault. Your medical payments coverage moves with you (walking, riding with a friend or on public transportation) as well as with your insured vehicles, regardless of who's driving. There is no deductible or co-pay but does cordinates with your health insurance..

Uninsured / Underinsured Motorist Coverage

Uninsured motorist insurance protects you, your passengers and your car in the event of injury or damage when an at-fault driver has no auto insurance. Underinsured motorist insurance covers injuries sustained at the hands of a driver who has insurance, but the driver’s policy is insufficient to pay for all your medical expenses.

Collision Coverage

Collision coverage pays to repair your own vehicle in the event something collides with you. Your claim will be reduced by the amount of your collision deductible. Your car is considered "totaled" when the repair costs exceed a certain threshold of the car's value, such as 70 percent. Your lender will require this coverage until you have paid for your car in full.

Comprehensive (other than collision) Coverage

Comprehensive pays the cost of replacing or repairing your car if it’s stolen or damaged by fire, vandalism, hail, falling objects, or an event other than a collision. Your policy won't pay to replace a stolen car unless you report the theft to police. Payment is limited to your car's actual cash value, minus your deductible.

Rental Reimbursement / Towing / GAP Coverage

•Rental reimbursement pays for a rental car when your vehicle is in a wreck or stolen. •Towing and roadside assistance coverage pays for towing, flats, out of gas fees due the breakdowns. •Gap insurance for a new vehicle pays the difference between the actual cash value of the vehicle and the amount left on your car loan if your vehicle is totaled.

By law, how much car insurance does Texas require me to have?

The minimum levels of auto insurance coverage that are mandated by Texas law are: •$30,000 in bodily injury coverage per person •$60,000 in bodily injury coverage total per incident •$25,000 in property damage coverage per incident State law does not require you to purchase additional coverage, how ever the financing institution will require Comprehensive and Collision coverage.

How can I lower my auto insurance premium?

The type of vehicle and vehicle value that you drive can have a big impact on your rate. ◾There are discounts for Anti-Theft Devices. ◾How much you drive can have an impact on your rates, because if you drive 40 miles to work then there is a higher risk that you could get into a collision. ◾The fewer accidents and tickets you have on your record, the lower your rate. ◾A & B Grades in school give teens lower rates. ◾When you bundle auto and home coverage you could save on both your auto and home insurance. Our agents have experience in finding discounts for which you may qualify, and offer other money-saving tips to help you save even more.

How much car insurance do I need?

◾If you’re making car payments, chances are the lender will require the vehicle to have comprehensive and collision coverage. ◾The deductible determines how much you pay out-of-pocket after a covered loss. So, if you’re looking to save money, consider increasing your deductible, which will lower your auto insurance rate. ◾The age of your vehicle is another factor. If you have an older vehicle with a lower value, it might not make sense to pay for more expensive coverage like comprehensive and collision. ◾You should also consider how much liability coverage you need. Remember, if you only have $30,000 in liability coverage and you cause an accident that generates $100,000 in damages then you could be liable for the amount above your coverage limit.

Why minimum coverage is a bad idea

Why Minimum Coverage is a Bad Idea Auto insurance is one of those things that you can never really have too much of. If you don’t have it, or don’t have enough, a significant accident could leave you with thousands of dollars worth of bills to pay. That type of calamity could bankrupt just about anyone. Minimum coverage, while satisfying state laws for auto insurance, is a bad idea for many financial reasons. If you opt to get minimum automobile insurance coverage, you are probably worried about the monthly bill. The problem with minimum coverage however, is that while you may be saving a more money each month, if you get into a major accident and are at fault, the money your insurance company pays will be capped at $20,000 for property damage to the vehicle or property that you hit and $30,000 to the person you injure. All costs above will be your responsibility to pay. If the person you’ve injured has huge medical bills, you’ll be responsible for them after your insurance coverage has been exhausted. Minimum coverage is a bad idea not just for financial reasons, but for ethical reasons as well. If you have minimal coverage, and you’re responsible for an accident that costs thousands of dollars to another person and can’t pay for any of it, you’ve burdened another person with huge debt.


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