When you put your policy together, you’ll "need" to set appropriate financial limits to cover its value and your personal financial security. Some of the coverage to place on your policy includes.

Liability Coverage

Covers the harm you cause others because of an accident for which you are at fault. Texas’ minimum required liability coverage includes:

  • $30,000 for each injured person

  • $60,000 injury coverage per accident

  • $25,000 for property damage coverage per accident

Full Coverage

  • Collision insurance:

    If you damage your car in a wreck, you can use this protection to pay for vehicle repairs, or even a new vehicle.

  • Comprehensive insurance:

    Use this coverage to pay for vehicle damage from non-accident hazards, like fire or theft.

Uninsured/underinsured Coverage

Pays for your own damage if another driver doesn’t have appropriate liability insurance.

  • Uninsured Coverage:

    This protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance. This can also be used in instances where you are a victim of "a" hit-and-run driver.

  • Underinsured Coverage:

    This coverage steps-in when you are in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.

  • Personal injury protection (PIP)

    Covers the costs of your (or your passengers’) medical costs.

SR-22

Document produced by an insurance company and filed with the DMV verifying that a driver has adequate auto liability insurance.

  • A driver may be required to file after a driver’s license suspension or revocation.

  • Drivers who have had their licenses suspended or revoked due to car accidents, speeding, or driving while intoxicated are usually the ones required to comply.

Add On

  • Towing

    This protects you if you’re in an accident with an at-fault driver who doesn’t carry liability insurance. This can also be used in instances where you are a victim of hit-and-run driver.

  • Rental Coverage

    This coverage steps-in when you are in an accident with an at-fault driver whose liability limits are too low to cover the damage or medical expenses.