There are typically 2 types of policies available.
Insurance provided for the vehicle owned by the insured. The typical coverage’s that can be obtained are Liability(Bodily Injury/Property Damage), Uninsured/Underinsured Motorist coverage, Collision, Other than collision, Towing(Emergency Road Service), Rental car reimbursement, Medical or Personal Injury protection.
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This type of policy provides liability coverage to individuals who do not own any vehicle.
Our Agency has provided coverage to hundreds of customers over the years spread across Texas including but not limited to Dallas, Fort Worth, Irving, Plano, Arlington, Grapevine, Mckinney, Garland, Austin, Round Rock, San Antonio, Houston, Woodlands Katy, Sugarland, Abilene.
Some of the companies that we represent providing this coverage are : Safeco, The Hartford, Progressive, Fidelity, Encompass, Kemper, State Auto.
Our Agency has provided coverage to hundreds of customers over the years spread across Texas including but not limited to Dallas, Fort Worth, Irving, Plano, Arlington, Grapevine, Mckinney, Garland, Austin, Round Rock, San Antonio, Houston, Woodlands Katy, Sugarland, Abilene.
Some of the companies that we represent providing this coverage are : Safeco, The Hartford, Progressive, Geico, National General, Travelers
Note : Information provided here is for general information purposes only. Please refer to your policy contact your agent for specific questions regarding coverage.
When we talk about Auto insurance there are several different features that are present in an auto insurance policy. In most states, a person may not operate a vehicle unless financial responsibility is established for that motor vehicle. Most people do this by buying automobile liability insurance. E.g. in the state of Texas the law currently required minimum liability coverage of $30,000 per injured person, $60,000 for everyone injured in an accident and $25,000 for property damage (30/60/25). When you purchase a vehicle and want to register this vehicle in with the state department of motor vehicles, you will need to prove the financial responsibility which can be done by purchasing automobile insurance. TexasSure, Texas’ financial responsibility verification program is a joint project that is mandated with a goal to reduce the number of uninsured motorists in Texas. An estimated 20% of all Texas vehicles are uninsured at any given time. Now, the law enforcement officers and other state users have a real-time immediate access to insurance information on a given vehicle at their fingertips. If you have established financial responsibility through an automobile insurance policy, your insurance company will report the information to the state. No action is required on your part unless you are contacted.
The most common information that is required to buy an Auto insurance policy is as follows:
While discounts vary for each insurance company, here is a list of some of the discounts that are available. Please keep in mind that not each insurance company may offer these discounts:
This coverage pays for the liability arising out of injuries caused to others by the insured or a covered driver to others. There is a minimum coverage mandated by the states. E.g. in Texas this minimum coverage is $30,000 per person $60,000 per accident and $25,000 for property damage (30/60/25). The maximum allowed typically with several insurance companies is (500/500/100). If one wants to increase this coverage further then they need to purchase what is called a Personal Umbrella or Personal Excess Liability Policy. This coverage is typically mandatory on any insurance policy.
This coverage is to protect the insured and the passengers in the insured’s vehicle if they are hit by another vehicle operated by a driver that does not have insurance coverage for the accident. The coverage will pay for bodily injuries or property damage caused to the insured and his property. The limits of coverage are expressed in similar terms as the limits of liability coverage. This is not a mandatory coverage in the state of Texas. If purchased the minimum limits available is $30,000 per person $60,000 per accident and $25,000 for property damage. There is a state mandated $250 deductible for property damage in the state of Texas.
This coverage pays for medical expenses for the driver and passengers of the vehicle covered under the policy when caused by an auto accident. This is not a mandatory coverage in the state of Texas. If purchased the minimum coverage available is $2500 per person going up to $10,000 per person with most policies.
This coverage pays for medical expenses or lost wages for the driver and passengers of the vehicle covered under the policy when caused by an auto accident. This is not a mandatory coverage in the state of Texas. If purchased the minimum coverage available is $2500 per person going up to $10,000 per person with most policies.
This coverage pays for damage to the covered motor vehicle owned by the insured due to causes other than collision. Losses cause due to theft, vandalism, hail damage, breakage of glass due to flying debris etc. are typically covered under this coverage. This is not a mandatory coverage and when purchased a typically deductible of $100 to $1500 will apply.
When the insured vehicle is being driven by covered operator and when Insured Vehicle hits another object, damage caused to insured vehicle is covered under this coverage.
This coverage will pay for expenses such as towing the vehicle, cost of labor of locksmith, Delivery of battery, fuel or tire and other roadside assistance necessitated by a mechanical breakdown of a vehicle. This is not a mandatory coverage and when purchased will cover up to $100 such expenses.
When the insured vehicle is damaged or stolen and is being repaired or recovered and when the insurance company is paying for that claim, this coverage will pay for a temporary replacement vehicle or a rental car for a period of up to 30 days. The typical coverage is $20 a day for such an expense going up to $50 a day.
In case of a total loss of a vehicle, this coverage will pay for the difference between the outstanding loan on a vehicle and the market value of the vehicle at the time of loss if it is lower than the outstanding loan.
