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Auto Insurance Information

Texas Car Insurance

Here at Citizens Insurance Agency we want our clients to fully understand the meaning of the coverage they purchase.  To get a better understanding of the fundamentals of insurance and to better educate the common consumer, we’ve compiled what we feel like are the 8 ground rules for Texas car insurance

The 8 Aspects of Auto Insurance in Texas

Let’s start off with the state mandated coverage that we all must carry; Liability.  Liability coverage is damages done to others.  This means medical and funeral costs, car repair, rental car (if needed), and punitive damages.  The state minimum in Texas is currently 30/60/25

In addition to Liability, there are 2 other state mandated coverage’s, which without a rejection form, have to be purchased.  These are Medical Payments and Personal Injury Protection (PIP).  These are beneficial to you, the driver.  Both of these coverage’s are intended for medical and funeral expenses resulting from an accident.

Next in the long line of insurance terms is Uninsured/Underinsured Motorist Coverage.  Most of the time you will see this represented as UM/UIM.  This is for the many instances when someone rear-ends our nice shiny car and they either don’t have insurance or the insurance they have is not adequate.

Now for your vehicle.  When we get into an accident we obviously are concerned about the other party, but also for our own well being and the well being of our car!  This is where Comprehensive and Collision enter the picture.  After your liability insurance pays for the other person involved in the accident, you will rely on Comprehensive or Collision to pay for the repair of your car

Comp and Collision are usually required coverages whenever you have a lienholder (a bank or mortgage company that finances your automobile).  Most people don’t realize this, but if someone forgets to put their lienholder on their car and then they total it, the money paid by the insurer legally has to go to the party that has the lien. 

Comprehensive coverage is what is done by the elements and thieves.  Sounds like an unusual way of remembering the specifics, but it works!  Hail, fire, and anything not related to Collision. 

These next two coverages are “extras”.  Towing and Labor pays for “charges when your car can’t be driven”.  Any kind of repair or work that is done on site (where the accident occurs) is covered under this.  

Rental Reimbursement is exactly what it sounds like.  When you have an accident or when it hails and your car is getting the dents removed, Rental Reimbursement will cover the cost of renting a car in the mean time. 

That is insurance in a nutshell.  Of course there’s tons of scenarios and “what if’s”, but in general this should give you enough information to make an educated decision on what coverages mean and how they work.  If you have something that you would like to share with us or ask us, please don’t hesitate to call us at (325) 597-4222 or email us.  We’d love to help you become knowledgeable insurance consumers!

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