TYPES OF INSURANCE COVERAGE

Collision coverage

Covers expenses related to the damage or destruction of your vehicle

Comprehensive coverage

Covers expenses related to your vehicle in situations like thefts or storms

Liability coverage

Covers expenses related to injury, death or property damage when you’re at fault

Medical payments coverage

Covers medical or funeral expenses if you or your passengers are hurt

Uninsured & underinsured motorist coverage

Covers your expenses if the other driver is at fault and doesn’t have insurance

Rental reimbursement coverage

Covers the cost of renting a car while your vehicle’s in the shop

Sound system insurance

Covers the cost of replacing stolen or damaged audio and/or video equipment

Roadside coverage

Covers the cost of common roadside services like tire changes and jump-starts

Personal injury protection

Covers expenses related to injuries you sustained in a covered accident

Personal umbrella policy

Covers liability above and beyond your other liability underlying limits

Property protection coverage

Covers the cost of damages you cause to someone else’s property unintentionally

What’s required in Texas?

Each state has different laws for how much insurance you have to have. For example, in Texas you’re required to have insurance with a limit of $30,000 per person. Make sure you know the minimum requirements, and find out what most people have in your state.