Basic Coverage choices

There are basically seven different types of coverages. Some may be required by law. Others are optional. They are:

• Bodily injury liability - for injuries the policyholder causes to someone else during an accident.

• Medical payments or Personal Injury Protection (PIP) - for treatment of injuries to the driver and passengers of the policyholder’s car.

• Property damage liability - for damage the policyholder causes to someone else’s property. This includes another car, a fence, a building. (The state of Texas only requires $25,000 but we write higher than that because there are few cars on the road that can be replaced for $25,000.)

• Collision - for damage to the policyholder’s car from a collision with ANY fixed object

• Comprehensive - for damage to the policyholder’s car not involving a collision with another car (including damage from fire, explosions, earthquakes, floods, and riots), and theft.
  (Many banks and lienholders will require “Full Coverage” - they mean Comprehensive and Collision Coverage. These are the two coverage that will repair “their” car because they still consider it “their” car as long as you have a loan.)

• Uninsured motorists coverage - for costs resulting from an accident involving a hit-and-run driver or a driver who does not have insurance.

• Rental Reimbursement - Many customers assume this is part of “full coverage” or think it is naturally covered if you have an accident but it is an optional coverage that is well worth the price if you depend on your car to go to work each day.