What You Should Know About Houston Auto Insurance and Texas Car Insurance Coverages!
Texas car insurance information and definitions you should understand before requesting auto insurance Texas quotes!
Bodily injury liability protects you in the case of an accident.
Pays when you are legally liable for injury or death caused by your vehicle. Legal fees, bail bonds and court costs are also included. Pays up to the first limit for each person and up to the second limit, maximum, for all persons injured or killed in any accident when you are legally liable.
Some Texas auto insurance policies are Single Limit which means Bodily Injury and Property Damage are all in one Single limit. $100,000 Single Limit means the maximum coverage available for any one accident is $100,000 including BOTH BI and PD.
Property damage liability protects you when you damage another persons vehicle.
Pays when you are legally liable for damage to the property of others caused by your vehicle. In a Single Limit policy the PD would be limited to that amount, along with any BI that would have to be paid also.
Medical payments provides much needed coverage for you and your family.
Your Texas car insurance Pays medical, dental, hospital and funeral expenses for you, household relatives and guest passengers injured in a motor vehicle accident. Also protects you and your household relatives in other vehicles or if struck as pedestrians.
Uninsured motorist protects you from drivers who are not insured.
Pays damages that you, household relatives and passengers in the insured motor vehicles are legally entitled to recover because of Bodily Injury or death caused by uninsured or hit-and-run motor vehicles. Pays up to the first limit for any one person and, subject to the first limit for any one person, up to the second limit for all persons injured or killed in an accident. This could also be a Single limit coverage.
Underinsured motorist provides coverage when the other parties insurance limits are maxed out.
Your Texas insurance pays you, household relatives, and passengers in your insured motor vehicle against damages arising out o f accidents with motorists who have motor vehicle insurance with lower limits of liability coverage than those damages suffered by you. Pays up to the first limit for one person and, subject to the first limit for any one person, up to the second limit for all persons injured or killed in one accident.
Comprehensive insurance Houston, Texas or other than collision covers you for damages caused by something other than another vehicle.
Pays for loss or damage to your vehicle caused by theft, vandalism, hail, windstorm, riot, falling objects, flood, etc. The deductible applies to all damage. Does not pay for Collision or Upset. That is paid under Collision if you carry Collision.
Collision Texas insurance coverage covers your vehicle when your vehicle is damaged by an object or another vehicle.
Pays for loss or damage to your vehicle caused by collision with another object or with another vehicle. Payments are made on an actual cash value basis for the amount of each loss. Your deductible for this coverage applies first.
Towing coverage provides you peace of mind when your car breaks down.
Pays up to the limit on yourpolicy for each claim for towing your vehicle and any labor costs at the place of disablement. Does NOT pay for parts or subsequent repair costs.
Rental reimbursement insurance provides you with a rental car while your automobile is being repaired.
Pays towards expenses to rent a vehicle if you have a loss that is covered under your Comprehensive or Collision coverage and your vehicle is disabled longer than 24 hours Pays up to the first limit per day, but not more than the second limit each loss.
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