Bodily Injury (BI) Auto Liability Coverage pays, up to the auto insurance coverage limits, for damages due to injury or death of others in a vehicle accident for which you or the operator of your vehicle are legally responsible. It also pays your legal defense costs. In most states this coverage is mandatory.
Property Damage (PD) Texas Auto Liability Coverage pays, up to the auot insurance coverage limits, for another individual's vehicle or property that has been damaged in an accident for which you or the operator of your vehicle is legally responsible. In most states this coverage is also mandatory.
Medical Payments Coverage pays, up to the auto insurance coverage limits, for reasonable and necessary doctor, hospital and funeral expenses for you and your passengers injured or killed in an accident, regardless of who is at fault. Payments are usually limited to one to three years after the accident. This coverage is optional in most states without no-fault insurance systems.
Uninsured/Underinsured Motorists (UM/UIM) Coverage pays up to the coverage limits for pain and suffering which is not covered by medical, disability and PIP. Underinsured motorist coverage pays for bodily injury to you or your family resulting from the negligence of someone whose liability insurance limits are insufficient. The definition of an underinsured motorist varies from state to state.
Auto Collision Coverage pays, up to the coverage limits, for damage to your vehicle or a vehicle you are operating caused by a collision or rollover. This coverage is usually required if you have a vehicle loan.
Comprehensive Physical Damage Coverage pays, up to the coverage limits, for damage to your vehicle or any vehicle in your custody resulting from theft, fire, vandalism, flooding, hail or other perils (but not damage by collision or overturning). It is usually required if you have a vehicle loan.
Auto Rental Reimbursement pays up to a specified amount for rental vehicle charges while your vehicle is being repaired for damage covered under your policy. If you prefer not to incur the cost of renting a vehicle yourself and cannot be without a vehicle while yours is being repaired, you might consider this coverage.
Auto Towing and Labor covers some costs incurred for services rendered at the place of breakdown or for towing to a repair shop. It covers the delivery of gas, oil or a battery, but not the cost of these items. If you lock the keys in the vehicle or need a tire changed, this may also be covered. These services are often included in auto club memberships, which can result in unnecessary duplicate coverage.
We will use every resource to secure the proper coverage at the most competitive prices available. Rest assured that we only represent companies we feel offer top notch service and claims handling
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Own a Condo? Just Renting? It's still important to cover your property and most discounts still apply. Click above button for a Condo Unit Owners Quote or for a Renters Quote.
If you own your own home, you can realize substantial savings by insuring your auto and home together.
When you buy a Texas auto insurance policy, you are buying a package of individual auto insurance coverages. Each auto insurance coverage protects you against different types of losses. Once you understand the various types of auto insurance coverages, you can decide which ones to include in your personal Texas auto insurance package. You can also determine the limits of auto insurance coverage you will need. The following coverages below/to the right are some common auto insurance coverages found in a Texas auto insurance policy. NOTE - Your policy may not contain all of these coverages.
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Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.