Auto Insurance
Auto insurance is a crucial form of protection that can help cover the financial losses associated with car accidents or other incidents involving your vehicle. In Texas, drivers are required to show proof of their ability to pay for the accidents they cause, usually through purchasing auto liability insurance. However, other types of coverage options can provide additional financial protection.
Contact City Auto Insurance today to get a personalized car insurance quote.
What Is Car Insurance?
Car insurance is a contract between a policyholder and an insurer designed to provide financial protection in case of an accident or other covered event. The policyholder pays a premium, and in exchange, the insurance company agrees to pay for damages, injuries or losses resulting from a covered event up to the policy’s limits.
Car insurance policies can vary widely in terms of coverage and cost, so it’s essential to understand your needs. Work with City Auto Insurance to learn about your options before selecting coverages.
What Does Car Insurance Cover?
Your agent may recommend that you maintain the following car insurance coverages:
- Liability coverage is mandatory in Texas. It may help pay to repair the other driver’s car if you caused the accident. It may also help cover the medical bills and other expenses of the other drivers and passengers.
- Collision coverage may help pay to repair or replace your car after an accident.
- Comprehensive (other than collision) coverage may help provide coverage if the covered car is stolen or damaged by something other than a collision.
- Medical payments (MedPay) coverage is designed to help pay your and your passenger’s medical bills following an accident, regardless of who is at fault.
- Personal injury protection (PIP) coverage may help pay for lost wages and other nonmedical costs. Both coverages are optional in Texas.
- Uninsured/underinsured motorist coverage may help cover your losses if you’re hit by someone with no insurance or inadequate insurance to cover their legal liability. It may also help cover your accident-related damages after a hit-and-run accident. Insurance companies must offer you this coverage, but you must tell the company in writing if you don’t want it.
Get Your Free Auto Insurance Quote Today
Whether you’re looking for basic liability coverage or a comprehensive policy, we’re here to help you get the protection you need. Contact City Auto Insurance today to learn more about your options and compare car insurance quotes.