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The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered events. Your policy can also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.


An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with one of our experienced Account Managers to determine the best coverage for you.


What kind of insurance do I need?
In some states, to drive you must carry:

Liability coverage - to pay for losses you cause others, or:

No-fault coverage - to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or Both coverages. In Texas, we are required to carry liability coverage at least in the amounts of 30/60/25. This means that each accident has $30,000 medical coverage for an individual or $60,000 for more than 1 person injured, and $25,000 of property coverage for damage done to someone else's car or property.

Even in states where coverage isn't required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply.
To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

 

Collision
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident, when you are "at fault". Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It's the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you're willing to pay, the less the collision coverage will cost.

Comprehensive (Other than Collision)

Comprehensive coverage is very similar to collision coverage - the main difference is that comprehensive covers damage caused to your vehicle caused by any unknown party or "act of God". Vandalism, flood, hurricane, theft, windshield damage and fire are all events usually covered by comprehensive automobile insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible.) And although it's not legally required by any state, you will probably need it if your car is financed.

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