Personal Auto Insurance
Common auto coverage
Liability Coverage
Repairs the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. The minimum liability limits might be too low if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket. The other driver could sue you.
Collision Coverage
pays to repair or replace your car after an accident.
Comprehensive Coverage
(other than collision) pays if your car is stolen or damaged by fire, flood, vandalism or something other than a collision.
Medical Payments Coverage
pays your and your passengers’ medical bills. It also pays if you’re hurt while riding in someone else’s car or while walking or biking.
Personal injury protection (PIP) coverage
is similar to medical payments coverage. It pays your and your passengers’ medical bills. It also pays for things like lost wages and other non-medical costs. All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing.
Uninsured/underinsured motorist coverage
pays if you’re hit by someone who didn’t have insurance or didn’t have enough to pay your medical and car repair bills. It also pays if you’re in a hit-and-run accident. Insurance companies must offer you this coverage. If you don’t want it, you must tell the company in writing.
Roadside Assistance
Towing and labor coverage – pays to tow your car if it can’t be driven. It also pays for labor to change a flat tire or jump-start your battery.
Rental car reimbursement coverage
pays for you to rent a car if yours is stolen or being repaired after an accident. Some policies also pay for taxis or ride-hailing services.
We also provide coverage for:
Motorcycles
ATV's
