Types of Auto Insurance Coverage

• Liability car insurance – Liability insurance includes the minimum auto coverage required by law. It may cover the driver, family members, and others driving the vehicle against damages caused to others due to an accident whose fault lay with the driver. The lowest amount of coverage required by law is called 25/50/25—which means up to $25,000 per injured person, up to $50,000 total per accident, and $25,000 for property damage.
   
• Medical payments coverage – This type of auto insurance coverage pays medical bills and funeral costs arising from accidents, including cases in which the victim was entering or exiting a automobile. Injured individuals are covered in this way regardless of who caused the accident.
   
• Personal Injury Protection (PIP) coverage – Similar to medical payments coverage, but can cover up to 80% of lost income due to accident as well as the cost of a caregiver. Minimum PIP is $2500, and you must declare in writing to the insurance carrier should you refuse PIP coverage.
   
• Uninsured/underinsured motorist protection – This type of coverage protects you against damage and injuries caused by an uninsured or underinsured driver, including damages caused by a hit-and-run accident so long as you report the incident promptly to the police.
   
• Collision coverage – Covers the cost of repairing your car after an accident, regardless of who was at fault.
   
• Comprehensive (Physical Damage Other than Collision) Coverage – This coverage deals with damages that result from fires, hail, vandalism or other non-collision related incidents. This usually covers the car owner up to the full value of the car, minus the deductible.
   
• Towing and Labor Coverage – This covers the cost of a tow truck should your car become undriveable, or the cost of labor needed in roadside assistance to make your vehicle drivable.
   
• Rental Reimbursement Coverage – This coverage deals with the cost of a rental vehicle while your own vehicle is being repaired under damages covered by other aspects of your policy.

For three decades now, Texas Auto Home Insurance has combined affordable rates with the maximum possible coverages for our commercial and residential clients.  We have some of the lowest rates in the state in cities such as Austin, Texas, Brazosport, TX, Brownsville, Texas, East Grayson, TX, East Jefferson, Texas, Flower Mound, TX, Fort Worth, Texas, Longview, TX, McAllen, Texas, Mesquite, TX, Midland, Texas, Northwest Harris, TX, Pasadena, Texas, Port Arthur, TX, Round Rock, Texas, San Angelo, TX, San Antonio, Texas, Southeast Harris County, TX, Southeast Hidalgo, Texas,Southeast Montgomery, TX, and Sugar Land, TX.