Auto insurance varies according to state requirements of financial responsibility that drivers are required to carry. This law requires proof that you are financially able to pay for any damages that you may cause while driving. The state of Texas requires that a driver carry liability limits of 25/50/25. These coverage limits are for bodily injury and property damage liabilities. Auto insurance has several different options of liability and additional coverage. Below is a brief description of some of the different coverage options. We provide auto insurance for personal and commercial as well as for watercraft and recreational vehicles in Texas City, La Marque, Galveston, Santa Fe, League City, Clear Lake and surrounding areas of Galveston county, Harris county, Brazoria county and the Gulf Coast areas of Texas.
Bodily Injury Liability – covers damage that you may cause to others, involves you being financially responsible for the injuries to other people as a result of the way you operated your car – this does not apply to your personal injuries
Auto insurance, ATV, Motorcycle, RV's also
Property Damage Liability – covers damage that you may cause to the property of others, involves you being financially responsible for the property you damage as a result of the way you operated your car – this does not apply to your personal property.
Uninsured and Underinsured Motorist Coverage – covers your expenses that result from an accident caused by a driver who either does not have insurance or does not carry enough insurance to pay all of your expenses
Collision Coverage – covers your own vehicle when it is damaged as a result of your vehicle colliding into another object of vehicle – this coverage is subject to a deductible
Comprehensive Coverage – covers your own vehicle when it is damaged as a result of fire, theft, vandalism, earthquake, flood or hail - this coverage is subject to a deductible
Personal Injury Protection (PIP) or Medical Payments – covers medical expenses to you and your passengers while occupying a covered vehicle – this coverage is subject to a per person limit; Personal Injury Protection also covers loss of income or replacement of essential services
Towing – covers the cost of towing a disable vehicle
Rental – covers the cost of renting a car as a temporary replacement for a covered vehicle due to the vehicle being damaged or destroyed by a covered cause of loss