Coverage descriptions you should understand before requesting auto insurance Texas quotes?
Bodily Injury Liability(Referred to sometimes as BI)
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, 1hr all persons injured or killed in any accident when you are legally liable. Some 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 B1 and PD.
Property Damage Liability (Referred to as PD sometimes)
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 (Each Person Limit)
Pays medical, dental, hospital and funeral expenses for you, household relatives and guest passengers injured in a motor vehicle accident. Also protects you and household relatives in other vehicles or if struck as pedestrians.
Uninsured Motorist (Referred to as U1I sometimes)
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
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 (Sometimes referred to as "Other than Collision")
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
Pays for loss or damage to Your vehicle caused by collision with another object or by upset of the vehicle. Payments are made on an "actual cash value" basis for the amount of each loss. Your deductible for this coverage applies first.
Towing
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
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.
