COVERAGE OPTIONS
We have many options for your insurance coverage?s. This page includes some
information to help you select the options that are best for you.
? LIABILITY COVERAGE ? Texas requires drivers to have liability limits of
30/60/25 or greater. This coverage is for others if you hurt them or damage
their property (usually their vehicle). The minimum limits provide up to
$25,000 for injury to a single person, $50,000 for more than one person, and
$25,000 for property damage. The advantage of taking the minimum coverage is
that is the least expensive option. We suggest that you get a higher limit for
liability because the minimum may not be enough if you have a serious
accident. If you wish we can quote the cost for different amounts of coverage
to help you decide.
? UNINSURED/UNDERINSURED MOTORIST ? This is optional but we suggest that
you get this coverage. It will pay for injuries or damage to your vehicle if
an uninsured or underinsured driver hits you. This is available in amounts
from $25,000 to $50,000.
? PERSONAL INJURY PROTECTION / MEDICAL ? This is optional coverage that is
good to have. It pays medical bills for you or passengers in your car that are
injured in an accident, up to the policy limits. PIP is especially important
if you or passengers do not have a medical insurance plan.
? COMPREHENSIVE AND COLLISION ? Comprehensive covers damage to your
vehicle for things like flood, fire, and theft. Collision is when your car
hits another car or object. These are optional coverage?s and if you elect
to get these you can select a deductible that generally ranges from $100 to
$1,000. We suggest getting this coverage?s unless your vehicle has a very
small value.
? RENTAL CAR REIMBURSEMENT ? This pays for the rental of a replacement
vehicle if your car is damaged in an accident, or if it is stolen. You can
select a per day dollar limit for this.
? ROAD SERVICE / TOWING ? Pays the cost to tow your vehicle to a repair
facility if it has a mechanical problem or collision. This can also pay for
the cost of road service for things like a dead battery, keys locked in the
car, or running out of fuel. This is an inexpensive option and highly
recommended.
? OTHER ? Other coverages may be available. Ask your agent for more
information.
? DISCLAIMER ? This page is intended to provide some basic information to
help you select coverage. It is NOT the definition of your policy
coverage?s. All coverage?s have terms and limits set by the carrier. Your
coverage will be what is in the actual policy. This page is also NOT intended
to replace advice from and agent. We suggest consulting with one of our agents
to select your policy.
