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On the Road with Peace of Mind

Auto insurance is there for you and your loved ones in the event of a car accident. It will pay for damage to your vehicle others’ vehicles any property, and for medical treatments for injuries suffered during an accident. It can also pay for ancillary expenses like a rental car while your vehicle is repaired.

Car insurance isn’t always straightforward, and at Texan Insurance it’s our job to understand your needs and craft an insurance policy to match.

What Is Liability Coverage for Auto Insurance?

Liability coverage is required in nearly all states. Liability coverage can be divided into two limits:

Bodily Injury Coverage

This coverage will pay for injuries suffered by others by accidents you cause. Your policy will set limits for how much can be paid to each person injured and a total for the entire accident.

For example, let’s say that your limits are set to $50,000 per person and $100,000 total. If you cause an accident that injures three people, and person A’s medical bills are $25,000, person B’s are $40,000, and person C’s are $20,000, you’re covered as each falls below $50,000 and the total is $85,000, below the $100,000 limit.

Property Damage Coverage

This is the maximum amount that your policy will pay for damage to the property of others, either a vehicle or other property. Typical limits for this coverage range from $25,000 up to $100,000.

What Is Collision Insurance and How Does It Work?

Collision Insurance protects your vehicle from the damage caused by an accident that you or someone else may have caused. Accidents can include those that occur with other vehicles and those that involve inanimate objects, like buildings or guardrails, or a hit and run situation.

What Is Comprehensive Insurance and What Does It Cover?

Comprehensive Insurance is also referred to as “other than collision” as it covers scenarios not covered by collision. It is an optional coverage that protects you against things you cannot control. Some common items covered here include, accidents with animals, flooding, falling trees or objects, theft, glass or windshield damage, and vandalism

When combined with collision insurance, comprehensive and collision coverages commonly referred to as “full coverage.” While giving you the best chance of having all your claims paid, be aware that there are still exclusions on most auto policies.

It’s important to talk to your auto insurance agent to discuss any particular coverages you are considering.

Common Items covered with Comprehensive Insurance

Accidents with Animals

Falling Trees or Objects

Theft

Flooding

Vandalism

Glass or Windshield Damage

What Are the Auto Insurance Liability Limits Available in Texas?

The state of Texas requires all drivers to have basic auto liability insurance. The minimum required coverages are:

$30K-500K

for each injured person

$60K-500K

for injuries per incident

$25K-500K

for property damage

As you can see, the range of limits available are large and for good reason. The State minimums limits of $30,000/$60,000/$25,000 aren’t enough to give you peace of mind.

For example, the $25,000 minimum property damage coverage is unlikely to cover an accident with a luxury vehicle like a Mercedes or a BMW. The damages could easily exceed $25,000 and you could be sued for the excess, putting your personal assets at risk.

What Are Optional Auto Insurance Coverages I Should Consider Adding to My Policy?

If you are hurt or your car is damaged from a hit and run incident, basic liability insurance will not cover you or your vehicle. It only helps pay for third parties. You would need optional coverages on your policy to cover your damages, such as the following:

Collision Coverage

This helps to pay for repairs to your vehicle, regardless of fault.

Uninsured Motorist Liability Coverage

This helps to pay for your medical bills and lost wages if you’re hit by a driver with no insurance and would cover you in a hit and run scenario in Texas

Uninsured Motorist Property Damage Coverage

This helps to pay for damage to your vehicle if you’re hit by a driver with no insurance and would cover you in a hit and run scenario in Texas.

Medical Payments Coverage

This helps to pay for the medical bills of you and the passengers in your vehicle

Personal Injury Protection (PIP)

This helps to pay for the medical bills of you and the passengers in your vehicle. Covers lost wages and any attorney fees as well. In Texas, you can only have Medical Payments or PIP coverage, not both.

We want to protect what matters most to you.
Call us at 281-998-2500 for immediate assistance or click below to get started.

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How Much is Auto Insurance in Texas?

The cost of auto insurance will vary based on the types of coverage you purchase (comprehensive, for example), along with personal specifics such as:

  • Vehicle type
  • Driving record
  • Desired coverage limits
  • Deductible amount
  • Zip code
  • Number of miles you drive every year

Insurance costs have been on the rise over the last few years, and the average expenditure in Texas was around $135 per month according to Business Insider.

Ways to Save on Auto Insurance

CLEAN DRIVING RECORD

Bundling with Home and Auto

Low Mileage

Good Student Discount

Defensive Driving Course

How Much Auto Insurance Coverage Do I Need?

It’s important to note that you can set coverage levels based on your personal needs, which cannot fall below the state minimums.

Determining the right amount of coverage requires considering your specific situation, like the value of your vehicle(s), the number of drivers you’re insuring and their ages, and your personal driving habits.

If you have a long commute or drive a lot, you should consider more insurance as you’re on the road more often.

Like any insurance product, auto insurance is designed to give you peace of mind knowing that you and your loved ones are protected in case of an accident or other incident.

Make sure that your coverage limits will protect you in the event something happens, and set your coverage limits to minimize out of pocket expenses and protect the assets you’ve worked so hard to obtain.

How Do I Know What Auto Insurance Policy Is Right for Me and My Family?

Given all the variables to consider, making an informed auto insur- ance decision requires investigating all the options and figuring out what’s right for your situation.

Our agents are here to help, we will listen to your needs and review the offerings of a variety of providers. Together we can make an in- formed decision.

As your needs evolve, we can continue to ensure that you’re getting the best possible value. Call or email us today, and let’s get started!

Call us at 281-998-2500 or click below to get started!

GET COVERED TODAY

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