AUTO INSURANCE
Auto insurance includes several types of coverages that protect you, your vehicle, and others. The main types are:
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Liability Coverage
Pays for injuries and property damage you cause to others in an accident. This is usually required by law. -
Collision Coverage
Covers damage to your vehicle from a collision with another vehicle or object, regardless of fault. -
Comprehensive Coverage
Covers damage to your vehicle caused by non-collision events such as theft, vandalism, fire, weather, or animals. -
Uninsured/Underinsured Motorist Coverage
Protects you if you are in an accident with a driver who has no insurance or insufficient coverage. -
Medical Payments / Personal Injury Protection (PIP)
Helps pay for medical expenses for you and your passengers after an accident, regardless of fault. -
Bodily Injury Liability
Covers medical costs, legal fees, and lost wages for injuries you cause to others. -
Property Damage Liability
Covers damage you cause to another person’s vehicle or property. -
Gap Insurance
Pays the difference between what you owe on a car loan or lease and the vehicle’s actual cash value if it is totaled. -
Roadside Assistance
Provides help for breakdowns, towing, flat tires, dead batteries, or lockouts. -
Rental Reimbursement Coverage
Helps pay for a rental car while your vehicle is being repaired after a covered claim.
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These coverages can be combined and customized based on your needs, vehicle value, and legal requirements.
COVERAGES
COMPREHENSIVE
Comprehensive coverage is a type of auto insurance that helps pay for damage to your vehicle caused by events other than a collision. This includes theft, vandalism, fire, natural disasters, falling objects, and damage caused by animals. It also typically covers windshield damage and weather-related losses such as hail or flooding. Comprehensive coverage does not cover damage from car accidents with other vehicles and is usually optional unless required by a lender or lease agreement.
LIABILITY
Liability insurance is a type of auto insurance coverage that helps pay for damages and injuries you cause to other people in a car accident. It covers the cost of repairs to someone else’s vehicle or property, as well as medical expenses, lost wages, and legal fees if you are found at fault. Liability insurance does not cover damage to your own vehicle or your own injuries. In many places, it is the minimum coverage required by law to legally drive a vehicle.
COLLISION
Collision coverage is a type of auto insurance that helps pay for repairs or replacement of your vehicle if it is damaged in a crash with another vehicle or an object, such as a pole, fence, or guardrail. It applies regardless of who is at fault in the accident. Collision coverage does not cover injuries or damage to other people’s property and is usually optional unless required by a lender or lease agreement.
UNINSURED/UNDERINSURED
Uninsured/Underinsured Motorist (UM/UIM) coverage is a type of auto insurance that helps protect you if you are involved in an accident caused by a driver who has no insurance or not enough insurance to cover the damages. It can help pay for medical expenses, lost wages, and sometimes pain and suffering for you and your passengers. In some policies, it may also cover damage to your vehicle. This coverage helps ensure you are not left paying out of pocket when another driver is unable to fully cover the costs of an accident.
MEDICAL
​Medical coverage in auto insurance helps pay for medical expenses if you or your passengers are injured in a car accident, regardless of who is at fault. It can cover costs such as hospital visits, doctor services, surgery, ambulance fees, and sometimes rehabilitation. Medical coverage is designed to provide quick access to medical care after an accident and may be required or optional depending on state laws and the type of coverage selected.
MINIMUM REQUIRED BY LAW
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To legally drive in Texas, you must carry liability auto insurance with at least the following limits, often written as 30/60/25:
• $30,000 for bodily injury per person
• $60,000 total for bodily injury per accident
• $25,000 for property damage per accident Texas Department of Insurance+1
This liability insurance helps pay for injuries and property damage you cause to others in a crash. It does not cover your own injuries or vehicle repairs.
