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Auto insurance is one of the most
common types of insurance that we are familiar with. There are
several reasons for that. Many states, such as Texas, require
you to carry auto insurance when you operate a motor vehicle.
Texas requires you to carry liability insurance on your motor
vehicle. You are also required to show proof of auto insurance
before you can license your vehicle, renew your driver's license,
and upon state inspection. Also, autos are one of the bigger
investments most of us will make. That's why its important to
have adequate auto insurance coverage. Who knows what may lie
ahead.
Auto Products
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Liability
Coverage (Damages you cause to another party,
usually you will hear three figures here example
50 /100 / 50 this would cover you for $50,000 any one
person you hurt in accident, $100,000 max for everyone you hurt in
accident and $50,000 for any property damage you cause. Please
keep in mind this is not per vehicle but total for any one
loss.)
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Comprehensive Coverage
(Coverage for you vehicle for any loss other than a collision
loss, a deductible applies on all losses, typical deductible
$200-$1,000 per loss)
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Collision Coverage (Coverage
for your vehicle in the event of at fault accident, a deductible
applies on all losses $200.-$1,000
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Auto Rental (Reimbursement
coverage if you have an insurance loss on your vehicle. Usually
you pay to rent a vehicle and the insurance company
reimburses you. Coverage is written on per day basis
from $20.00 to $35.00 daily. There is no coverage for non
insurance losses.)
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Auto Towing
(Reimbursement coverage also, pays for emergency road
service, ie flat repair as well as actual towing. Coverage
written on a per incident basis from $40.00 to
$120.00)
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Uninsured/Underinsured Motorist
(Coverage in the event of a accident with a party with no
insurance or whose insurance limits are not adequate to cover you
losses.)
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Personal Injury Protection (pays up
to the limit you set for anyone injured in you vehicle in the
event of an accident regardless of fault. Limits are written from
$2,500 through $10,000)
Quote form
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