Auto Insurance in Texas
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There is an overwhelming number of auto/car insurance choices out there; don’t tackle this job alone! Allow the insurance professionals at AJ Morales do the work for you. We represent several insurance carriers and create a personalized search based on your specific needs. Our agents then assist you with rate and company comparisons, discounts and flexible payment plans. Get your quote today!
You should be familiar with the terms below as they compose an insurance policy from the most basic to a complete “full coverage” with personal benefits.
Pays for injuries you cause to third parties and damage to property when you are at fault in an automobile accident. The minimum requirements in Texas are set at $30k max for bodily injury per person, $60k max bodily injury per accident and $25k for property damage. You may purchase higher limits to better protect yourself.
Pays medical expenses (up to a determined dollar amount you purchase) for you and your passengers, when injured in an automobile accident. No matter who is at fault.
Personal Injury Protection (PIP)
Pays for medical, rehabilitative, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/underinsured Motorist Coverage
This pays if you are injured by a person who is completely uninsured or doesn’t have enough liability insurance to cover your injuries. It also covers you if you are victim of a hit-and-run incident.
Comprehensive (other than collision) and Collision. These types of coverage protect your vehicle, if you have an auto note to pay you may be required to purchase these at a determined deductible amount set by the interest holder.
Comprehensive coverage covers other perils other than collision caused to your car. These events include but are not limited to fire, theft, flood and vandalism.
Collision coverage insures you in case your vehicle sustains damage caused by impact.
Comprehensive and collision coverages include a deductible, which range from $100.00 up to $2,500.00 (depending on what the insurance carrier may offer). When you file a claim for damage, the insurance company pays for the difference in the damages of the deductible you selected.
Includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required. Some may require your vehicle hold comprehensive and collision in order to purchase.
How much coverage do I need?
Choosing the appropriate level of auto insurance coverage depends on a number of factors. Some may include assets you must protect, value of your vehicles, the amount of money you are prepared to pay out of pocket at any time you should have an accident, and your level of risk.