houston tx auto insurance
Texas Insurance Agency Articles
Understanding Your Auto Insurance Policy: Texas Auto Insurance Explained
There’s one thing that all drivers have in common: the fact that they are required to have an insurance policy.
Most states require a certain level of vehicle insurance, and many people don’t think twice about purchasing car insurance. But have you ever stopped to ask what’s covered in your policy?
Understanding your vehicle’s insurance policy can help you to make informed decisions regarding your coverage.
Yes, we all know that terms and conditions can be confusing, but understanding the basic car insurance policy options can help you to determine if you have the right coverage for your vehicle.
Liability – Liability coverage indemnifies you in case of accidents for which you are found to be at fault. If you are at fault for an accident involving another vehicle, or a pedestrian, this insurance will pay for the majority of the costs.
Most states have minimum for liability coverage for vehicle owners. In Texas, the current liability coverage minimums are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 coverage for property damage -per accident.
Collision – Collision coverage pays for damages caused to your vehicle in the event of an accident with another vehicle. It’s important to make sure you have enough coverage to pay to replace your vehicle, should something happen.
Comprehensive – Comprehensive insurance covers for damages caused to your vehicle, outside of an accident. Comprehensive coverage protects your investment in case of perils such as fire, windstorm, hail, as well as vandalism, or theft.
Uninsured Motorist Coverage
Uninsured motorist coverage provides protection in cause of an accident that is caused by an uninsured driver. This coverage pays for your medical expenses, lost wages, as well as vehicle repairs.
Rental – Rental coverage is often required when renting a car. Your car insurance policy may be able to transfer to a rental. If you are planning to rent a car, check with your insurer to make sure you are covered.
Depending on your insurance provider, some of these coverage options may be included in your general car insurance policy. It’s best to check with your agent to ensure you are properly covered, and in compliance with state laws.
It’s also important to know the term limits on the insurance policies that you purchase. For instance, if your vehicle is an older car with not much value, taking a high collision insurance policy, might not be necessary. In other cases though, you will want to make sure your insurance doesn’t have a cap that will prevent you from claiming the full amount.
At Texas Insurance Agency, we want to make buying auto insurance easy for you. Call us today with any questions you have. (877) 952-1010
Houston Auto Insurance
While Driving, Have You Ever…
Heard the screech of the tires, the honk of the horn, the crash of metal on metal? car accidents happen every day, and all drivers are at risk. Whether it’s a fender bender in rush-hour traffic or a six-car pile up on the freeway, the proper Auto Insurance can make sure you are financially prepared in all situations. Let Texan Insurance help you find the coverage that fits your needs.
A 2011 study by AAA estimates car accidents cost nearly $300 billion annually to drivers in the US, which equates to $1,522 per person each year. And, according to the Center for Disease Control and Prevention, the cost of medical care and job loss from car accidents is more than $99 billion a year – that’s nearly $500 out of your pocket every 12 months. At Texan Insurance, we know the right Car Insurance in Houston TX can offset these costs and protect you and your assets from the financial hardships caused by auto repair, medical bills or a legal defense.
Automobile Insurance – It’s The Law
Every state calls for drivers to have Automobile Liability Insurance and the requirements vary by state. Liability Insurance can cover personal injury protection and includes a minimum set amount for bodily injury and property damage when you are at fault. In Texas, Automobile Liability is the law, but it won’t cover any damage to your vehicle or your medical bills. And often, damages exceed the maximum coverage limits of basic liability; when that happens, the difference in cost becomes an out-of-pocket expense. To prepare yourself for these situations, upgrade your Auto Insurance to include collision and comprehensive coverage, as well as secondary coverage that can protect you when emergencies occur.
Types Of Car Insurance Coverage
There are three primary types of coverage available: Liability, Collision and Comprehensive:
- Liability Insurance covers costs of property damage, as well as medical and injuries, to the other party when you are responsible for the accident. The Texas Department of Insurance states current minimum liability limits at $30,000 per injured person, with a maximum of $60,000 per accident, and $25,000 for property damage per accident.
- Collision Insurance covers the cost of repairs or replacement when your vehicle is damaged or destroyed in an accident.
- Comprehensive Insurance, also known as “other than collision,” covers damage to your vehicle from non-accident causes, such as vandalism, theft or weather.
There also are numerous secondary types of Houston Automobile Insurance coverage available for your plan, ensuring you are protected regardless of the circumstances. These include medical, personal injury protection (PIP), rental reimbursement and roadside service:
- Medical Payment Insurance covers the cost of medical care for you and any passenger(s) in your vehicle who are injured, no matter where responsibility for the accident lies.
- Personal Injury Protection, which is similar to Medical Payment Insurance, extends the coverage to include lost wages during medical recovery.
- Rental Reimbursement coverage pays you a predetermined daily amount for a replacement vehicle while your car is in the shop for damages and repairs.
- Roadside Service Insurance provides you with emergency assistance and towing from any location to your home or mechanic shop.
At Texan Insurance, we want to help you get the most accurate and affordable Car Insurance quotes available, with a policy that fits your needs and budget. We will help to evaluate a range of choices based on personal factors, such as the number and age of drivers and the makes and number of vehicles on the policy, ensuring sure you get coverage designed specifically for you and not for the average driver. Unlike online-only services, our independent agency brokers will help review and explain different policy choices from multiple providers, along with coverage limits, deductibles and pricing so you can make an informed decision when choosing your Automobile Insurance solutions.