Auto insurance is a contract between the insured and the insurer (insurance company) to provide financial protection in the case of an accident. Texas law requires all drivers to have a car insurance policy. Texas drivers need to have minimum insurance coverages of $30,000 per injured person, up to at least $60,000 per accident. Additionally, Texas drivers must have coverage for property damage of at least $25,000. This type of policy is the very minimum and there are no guarantees that it will address all the costs of recovery and repairs in the event of an accident. This type of policy also only covers the damage your car causes but does not cover your car repair or replacement.
Auto insurance policies are served up a la carte and we can help you pick and choose what you need. Some important options to consider:
- Uninsured and underinsured drivers – this protects you if you’re injured in an accident caused by a driver who doesn’t have insurance or not enough to cover your expenses.
- Collision – this reimburses you for damage to your car that occurs as a result of a collision with another vehicle or object (tree, fence, pothole) when you’re at fault.
- Comprehensive – this provides coverage against theft and damage caused by an incident other than a collision, such as fire, flood, vandalism, hail, falling rocks or trees, and other hazards.
- Glass Coverage – this provides coverage from windshield damage, which is common. Some auto policies include no-deductible glass coverage, which also includes side windows, rear windows, and glass sunroofs.
- Gap Insurance – the collision and comprehensive options only cover the current market value of your car, not what you paid for it and we all know how quickly your new car can depreciate after you drive it off the lot. If your car is stolen or totaled in an accident, there may be a “gap” in what you owe and what your vehicle is worth and what the insurer will pay. This is when gap insurance is needed.
We have over 45 years in the insurance industry and know all the options and best insurers to find the perfect coverage and rates to meet your needs. Whether its personal or commercial auto insurance, we have the policy made just for you.
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