Shopping for auto insurance can take a lot of time and many consumers do not understand the coverages enough to know exactly what they need. This can leave a person vulnerable to higher risk exposures and paying far too much in premiums and out of pocket expenses.
To help you better understand your auto insurance policy, become familiar with these basic coverages and terms and let our team review your policy in detail and offer objective advice. We compare quotes with dozens of respected national carriers to save you time and ensure you are getting appropriate coverage at the best possible rate.
- Collision Coverage –Covers damage to your vehicle if you collide with another vehicle or object, regardless of fault.
- Comprehensive Coverage – Covers damage that may happen to your vehicle that is not directly related to a collision. This would include things such as theft, fire, flood, hitting a deer or vandalism.
- Deductible – The amount of expenses that must be paid out of pocket before an insurer will pay any expenses
- Liability Coverage –Covers the damages when you are at fault in an accident and you cause injury or property damage. Texas Department of Insurance requires a minimum liability limit of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000 property damage.
- Medical Payments/PIP –Pays for medical or funeral expenses to the driver and/or passengers that occur if an accident, regardless of fault. PIP broadens basic medical payments to also cover loss of wages resulting from injury.
- Roadside Assistance/Towing & Labor – Pays for roadside services or towing if the operator is stranded
- Uninsured/Underinsured Motorist – Provides coverage for your vehicle or bodily injuries to you and/or passengers resulting from of an uninsured or underinsured driver.