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Texas SR22 Insurance Group - Auto insurance quotes online

Texas Auto Insurance

A Texas auto insurance policy pays only for damages, injuries and other losses - such as theft - specifically covered by the policy. Some coverages - such as liability insurance - are required, while others are purely optional.

The following information describes Texas car insurance requirements and explains what your policy covers. It does not take the place of reading your policy. When reading your auto insurance policy, pay special attention to the exclusions, which describe things your vehicle policy doesn't cover.

What do the coverages listed on my auto insurance policy actually do? Liability...
Pays: Other people's expenses for accidents caused by drivers covered under your policy. This is the only auto insurance required by Texas law.

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Medical Payments...
Pays: Medical and/or funeral bills arising from motor vehicle accidents, including those in which the victim was a pedestrian or a bicyclist.

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Personal Injury Protection (PIP)...
Pays: Same as Medical Payments, plus:
1. 80 percent of lost income.
2. The cost of hiring someone to take on the household and caregiver responsibilities of an injured person.

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Uninsured/Underinsured Motorist...(UM/UIM)
Pays: Your losses from an accident caused by a hit-and- run driver or an uninsured motorist, up to your policy's dollar limits. Also pays if the other driver did not have enough insurance to cover all your expenses.
1. Bodily injury UM/UIM pays without deductibles for medical bills, lost wages, pain and suffering, disfigurement and permanent or partial disability.
2. Property damage UM/UIM pays for auto repairs, a rental car and damage to items carried in your car. There is an automatic $250 "deductible" - an amount you pay from your own pocket.

Insurers must offer UM/UIM coverage, but you can reject it in writing.


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Collision (Damage to Your Car)...
Pays: Cost of fixing or replacing your car after an accident - regardless of who was driving or who was to blame. Payment is limited to your car's actual cash value, minus your deductible. "Actual cash value" is the retail price of a car like yours before it was damaged. You should consider dropping this coverage if you have an older car that is paid for.
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Comprehensive (Physical Damage Other than Collision)...
Pays: To replace or fix your car if it is stolen or if it is damaged by causes other than a collision, such as fire, vandalism or hail. Also pays for a rent car or other temporary transportation if your car is stolen.


Towing & Labor...
Pays: Towing charges when your car is disabled. Also pays labor charges, such as changing a tire, at the place where your car is disabled.
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Rental Reimbursement...
Pays: A set daily amount for a rental car if your car is stolen or is being fixed because of damage covered by your auto policy.

If you have any questions that have not been answered by this site, please contact us anytime and we'd be happy to discuss your insurance needs in more detail!
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Texas Independent Insurance Agent Texas
SR22 Insurance
Group

9705 Burnet Rd
Austin, TX 78758

(512)339-1515
SR22 Insurance
Filed Electronically
(in all 50 states)
Authorized SR22 insurance agents for Progressive, Gainsco, Titan, Dairyland, Kemper, MIdlands and other Texas rated companies.� Texas SR-22 Insurance Group, Austin, Round Rock, Pflugerville, Cedar Park, Georgetown, Leander, Bastrop, Buda, Kyle, San Antonio, San Marcos, New Braunfels, Travis County, Williamson County, Hays County, Bexar County TX. Se Habla Espa�ol.