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Auto Insurance

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability and medical coverage:

  • Property coverage pays for damage to or theft of your car.
  • Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
  • Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year.

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The six parts of an auto policy:

Your auto policy may include all 6 coverages or some of them. Each coverage is priced separately.

  1. Bodily Injury Liability
    For injuries the policyholder causes to someone else.
  2. Medical Payments or Personal Injury Protection (PIP)
    For treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident.
  3. Property Damage Liability
    For damage the policyholder caused to someone else's property.
  4. Collision
    For damage to the policyholder's car from a collision. The collision could be with another car, a light post, fire hydrant, etc.
  5. Comprehensive
    For damage to the policyholder's car that doesn't involve a collision with another car. Covered risks include fire, theft, falling objects, missiles, explosion, earthquake, flood, riot and civil commotion.
  6. Uninsured Motorist Coverage
    For treatment of policyholder's injuries as a result of collision with an uninsured driver. Underinsured motorist coverage can also be included in an auto policy. Underinsured motorist coverage comes into play when an at-fault driver has auto liability insurance, but the limit of insurance is inadequate to pay for your damages.

The state of Texas requires that you carry a minimum of 25,000/50,000 bodily injury liability limits. The insurance industry recommends that your bodily injury liability limits be $100,000 per person and $300,000 per occurrence. If you have motorized vehicles or recreational craft other than a personal auto, please ask your agent about policies or endorsements available to protect the following:

  • Motorcycles/Mopeds/Mini Bikes
  • All Terrain Vehicles (ATV)
  • Golf carts used on public roadways
  • Antique or Classic Autos
  • Watercraft
  • Trailers

What To Do After An Accident

Each year more than 21 million motor vehicle accidents occur on our nation's roadways according to the National Safety Council. Therefore, the odds of being in at least one accident in your lifetime are extremely high. This information, prepared by the Independent Insurance Agents of America, contains helpful tips so you know what to do if you are involved in one of these unfortunate incidents.

  • Stop! Do Not Leave The Scene
  • Call the police immediately to report any accident, no matter how small, which results in personal injury or vehicle damage.
  • Notify the police as to any medical assistance that may be needed or any vehicle that is not drivable.
  • Warn other motorists by turning on your vehicle's flashers and setting up flares or other reflective devices starting 50 feet behind your vehicle. Signal for assistance by tying a handkerchief or anything white to the vehicle's antenna.
  • Do not accept responsibility or otherwise discuss the accident with anyone except police authorities and your independent insurance agent. Do not accept any monetary settlement at the accident scene.
  • Remain calm and courteous.
  • Exchange Information With The Other Driver
  • Write down driver's license number, license plate number, and state. Get the insurance company name and policy number plus make, model, year and description of vehicle. Lastly, record the name, address and telephone numbers of the driver.
  • Write down the name and address of all passengers, injured persons or anyone with property damage.
  • Get the name and contact information for at least two witnesses if possible. This is very important when the fault of an accident is questionable.
  • When you and your property are safe contact your insurance company

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With Permission © Insurance Information Institute, Inc. - ALL RIGHTS RESERVED -