Houston, Texas insurance

What are My Texas Auto Insurance Coverage Options?

We offer a variety of coverage options and companies to choose from, based on your specific needs.

Texas Auto Insurance Coverage has two parts:

  1. The first is the auto liability section of the policy. This covers your financial responsibility for injury to others.
  2. The second part of the auto insurance policy covers the car itself: comprehensive coverage reimburses losses from fire, theft or other perils; collision coverage pays to repair losses caused by an accident. Often, this coverage is required by car leasing companies or banks. There is also additional (ancillary) medical, car rental, towing and other coverage.

By electing to carry a policy with a higher deductible (the fixed financial obligation that the policy holder is responsible for regarding repairs from a claim) on the physical damage coverage you can greatly reduce your insurance premiums (rates). If you carry an umbrella insurance policy, you must be sure that you carry the required amount of basic liability insurance to avoid a gap in coverage for a serious accident. (Umbrella insurance is a liability insurance policy that protects the assets and future income of the policyholder above and beyond the standard limits on their primary policies.)

Texas Auto Insurance Protection for yourself and your family.

  • Texas Auto Liability Coverage - typically helps protect you for damages to others or their property in the event that you are at fault for a covered accident.
  • Texas Medical Payments Coverage - typically helps provide payment for your reasonable and necessary medical treatment for bodily injury caused by a covered accident.
  • Texas Underinsured/Uninsured Motorist Coverage - typically helps protect you for covered damage caused by drivers who don't have auto insurance or don't carry enough auto insurance.
  • Texas Personal Injury Protection - typically pays for your medical expenses regardless of who is at fault.

Texas Insurance Protection for your car.

  • Texas Auto Collision Coverage - typically covers the majority of the costs to repair your insured vehicle after a covered accident (costs above the policy deductible).
  • Texas Auto Comprehensive Coverage - typically helps to pay for any covered damages to your insured vehicle resulting from a peril other than a collision, such as theft, windstorm or flood, to name a few.
  • Texas Auto Rental and Towing - typically pays for auto rental or towing expenses due to an accident.


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