Auto Insurance

Texas P&C Insurance Agencies Texas P&C Insurance Agencies Texas P&C Insurance Agencies

Auto Insurance

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?

Liability Coverage

Liability insurance helps pay for losses you cause others. 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. But there is no coverage under liability for you if you are the cause of the accident. Features like Collision, PIP and Medical must be added to assist you and the passengers in your vehicle when you are at fault.

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 Insurance Agency Texas


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.

Automobile Accident Agency Texas

Personal Injury Protection (PIP)

An automobile accident can damage far more than your car. Medical bills, lost wages and other expenses can add up quickly and put a serious dent in your bank account. Personal injury protection, also known as PIP insurance, can help defray such costs and even help protect your friends and family after a covered accident With standard auto liablility insuraance, the insurance company of the driver responsible for an accident pays the costs resulting from a covered accident (up to the policy’s limits). Personal injury protection is a “no-fault” coverage which means that regardless of which driver was at fault, some of the medical expenses for the policyholder and others in the policyholder’s car may be covered by insurance. Personal injury protection may pay for medical and other expenses that result from a covered accident, depending on the limits of the policy. This may include medical treatment of the injuries suffered by you and your passengers as well as medical expenses you might incur if injured as a passenger in another car or as a pedestrian. Following the initial shock of a car accident, one of the most frustrating issues can be the time it takes for insurance companies to determine blame, make payments and, if necessary, file a lawsuit. With PIP coverage, no blame needs to be assessed. If it is a covered incident, medical and lost income payments are made as soon as possible, and you deal only with your insurance company.

Collision Insurance Claim Texas


This coverage protects you if your car is being repaired as part of a Comprehensive or Collision claim. The policy defines a daily rental limit and a length of time you can use the rented vehicle, generally up to 30 days of a rental.

Personal Injury Protection Insurance Agency Texas


Personal injury protection insurance is similar to medical payments coverage but with an important difference. Medical payment coverage pays only the medical costs for you and your passengers in the event of a covered auto accident, regardless of who’s at fault. Unlike PIP, medical payments coverage doesn’t cover other expenses such as lost wages, rehabilitation services, funeral costs and services, such as childcare, that you may be unable to perform due to injuries from a covered accident. It is not as broad, so if you are looking for the best and broadest form of protection, get PIP. Medical and PIP are usually mutually exclusive on a policy; you can have either one but not both.

Comprehensive Coverage Insurance Agency Texas

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.

Roadside Assistance Coverage Texas

Roadside Assistance

Roadside Assistance coverage protects you if your car breaks down due to mechanical or electrical issues like a dead battery, flat tires, or if you lock yourself out of the vehicle, or if you run out of gas. The coverage will aslo pay for towing services or roadside help.