Insurance For Texans knows how crazy those Texas roads can get
Does taking to the road in Texas feel like you are preparing for battle?
- Big trucks (personal and commercial) on the road can make it difficult to see up ahead
- More people are texting, eating, reading, and doing anything but driving safely
- Teenagers new to driving are often gifted with a Mustang, BMW, or pickup with trouble written on it
- Every Texan thinks or will soon think they own the road
- Carless behavior comes in many forms and many vehicles
There's a lot of highways out there and there are a lot of cars as the major cities in Texas keep growing. Even rural parts of Texas aren't immune to the unsafe Texas driver and the hot mess Texas weather. If you have a vehicle or anything with wheels on it that could hurt you or others, you want to make sure you have the appropriate coverage to protect yourself and those around you.
Is Coverage Required?
- Yes. In Texas, auto insurance is required and considered illegal if you do not have it while operating a motor vehicle
- Your current auto insurance shows your ability to pay for any damage you cause
- This type of insurance is known as auto liability insurance
What do these policies cover?
- Damage to vehicles
- Damage to other property
- Medical expenses
Who is covered?
- It's common for a policy to cover you
- Your family (potential drivers) of your vehicle are often covered
- It is also common to have coverage for others who are not family
- Your policy will spell out who is covered
How does Insurance For Texans help?
As an Independent Insurance Agent, Insurance For Texans has a wider selection of auto insurance carriers to match you with. They may not be name brand (although we work with many recognizable carriers), but the auto insurance coverage is proper and protective. It's one of the advantages of working with an agency that isn't beholden to large, corporate carriers with a one-size-fits-all approach to policies. We work to make sure you are on good footing regarding your deductible, premium, and coverage for one or all of your vehicles.
- Deductibles are the amount you pay before insurance coverage kicks in. This is your responsibility in addition to your monthly premium in case you want to make a claim. Insurance companies don't want policyholders to make frivolous claims. The deductible helps to keep a safeguard in place.
- Auto Insurance premiums can vary based on your driving history, where you live, the type of car you drive, whether you use your car for business or not, and even your credit score
- These coverages provide indemnification, i.e., compensation for harm or loss from weather events and accidents. Damages to your property and the property of others, physical damage to you and others, attorney's fees, lost wages, and even funeral bills may be covered. It is very common for auto policies to include the following coverages:
- Personal Injury Protection
- Medical Payments
- Uninsured/Underinsured Motorist
- Rental Reimbursement
- Towing and Labor