Auto Insurance
Auto insurance can help provide financial protection in various scenarios, depending on the coverages and limits you choose. Texas drivers must maintain minimum amounts of liability coverage. If you lease or finance a vehicle, the lender generally also requires you to maintain coverage to protect it.
Contact Erick Dodge Insurance in Longview, Texas, to learn more about your car insurance options.
What Is Auto Insurance?
Auto insurance is a contract between an individual or family and an insurance company. These highly customizable policies typically include coverage for bodily injury and property damage liability.
Your agent can help you choose other policies and endorsements to help you get appropriate auto insurance coverage.
Types of Auto Insurance
Texas drivers must maintain the following coverage:
- Bodily injury liability insurance may help pay for third-party medical costs after an at-fault accident.
- Property damage liability insurance may help pay for third-party property damage after an at-fault accident.
Your lienholder may require full coverage auto insurance, which may include the following:
- Collision insurance may help pay for damage to your vehicle sustained in an accident with another vehicle or object.
- Comprehensive insurance may help pay for damage from non-accident-related mishaps, such as fire, theft, vandalism or weather damage.
- Guaranteed asset protection (GAP) insurance may help pay the difference between your insurer’s settlement and the total amount due to pay off your lease or loan if your car is a total loss.
You can further customize your coverage to include the following crucial policies:
- Uninsured/underinsured motorist coverage may help pay for damage to your vehicle and medical bills for you and your passengers after an accident if the at-fault driver has inadequate liability coverage or no insurance.
- Medical payments (MedPay) coverage may help pay accident-related medical bills for you and your passengers.
- Personal injury protection (PIP) coverage may help pay medical bills and other economic losses for you and your passengers after an accident, regardless of who is at fault.
What Does Auto Insurance Cover?
Your auto insurance policy provides coverage as stated in your policy documents. Depending on the coverages and limits you choose, you may have coverage for at-fault accidents, including damage to your vehicle.
Texas provides access to both PIP and MedPay policies, which may help with crucial coverage for accident-related injuries for you, your family and your passengers, no matter who caused the accident.
There are many auto insurance options, and your agent can help you evaluate policies, limits and deductibles to get the best possible combination of value and coverage.
How to Get Auto Insurance in Texas
Contact Erick Dodge Insurance today to get personalized car insurance quotes for coverage tailored to meet your needs.