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After your liability insurance pays for the other person involved in the accident, you will rely on the Comprehensive or Collision part of your Texas car insurance to pay for the repair of your automobile. The deductible, which is the amount you retain, is usually $500.00. This amount is variable, anywhere from $100-$2000, but remember in the event of a claim, the deductible is the amount you pay. For example, I am driving one evening and hit a deer. The front of my car is completely destroyed so I file a comprehensive claim. There is $6500.00 worth of damage so my insurance sends me a check for $6000, because my deductibles are $500. The higher the deductible the lower the premium, but the higher the deductible the more money out of pocket you are in the event of an accident.
Comp and Collision are usually required coverage’s whenever you have a lien holder (a bank or mortgage company that finances your automobile). Most people don’t realize this, but if someone forgets to put their lien holder 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. So when a claims check is cut to a person that has a lien, they generally will put Paid To The Order Of: Lien holder’s name & Insured’s name. This is to ensure that the bank or credit union receives their due funds.
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. If someone steals your car, or bashes in the back window, you would claim it under this. Collision is pretty self explanatory. Hitting a tree, another vehicle and any kind of impact is covered under Collision.
Posted 12:31 PM

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