Auto insurance is required by law in Texas to protect you and other drivers on the road. Do you understand the limits in your auto policy? It’s important to understand your policy and whether you are capable of financially covering an accident beyond its limits. Most people only carry 30/60/30, but the average cost of a broken leg is $75,000. What does that mean to you and your family?
ASK YOUR AGENT ABOUT THESE COVERAGES
Comprehensive auto policies cover all perils except collision. Hail damage, vandalism, and theft are a few examples of what a comprehensive policy will cover.
Collision coverage is for property damage caused by accidents whether you are at fault or not. The collision can be with anything from a vehicle, mailbox, wall, or curb.
BODILY INJURY LIABILITY
Bodily injury liability covers medical payments up to your limits for physical damage to another person during an accident you caused.
PROPERTY DAMAGE LIABILITY
Property damage liability covers property damage, up to your policy limit, of the other vehicles damaged by an accident you cause.
Uninsured motorist protects you when someone without insurance causes an accident. Uninsured motorist also protects you when the person at fault’s policy limits aren’t high enough to cover the damage they have caused.
PERSONAL INJURY PROTECTION
Personal injury protection is additional amount of medical payments coverage for you or anyone in your vehicle. Personal injury protection also covers loss of compensation when you are unable to work due to the accident.
ROADSIDE ASSISTANCE, TOWING & LABOR
We’ll get you picked up when you’re stranded, and your vehicle will be towed to the body shop of your choice.
Rental reimbursement covers the wheels you need, while your vehicle is being repaired due to the loss of an accident.
GLASS DEDUCTIBLE BUYBACK
Glass reduction buyback reduces your deductible for glass claims to $100, instead of paying your comprehensive deductible.
You don’t have to purchasing a new home, refinancing, or buying a new car to get an insurance quote.