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Auto Insurance Coverage

Liability coverage - Liability auto coverage covers bodily injury to others and property damage to others if you are at fault in an accident. Bodily injury pays others' medical costs. It can also pay injured parties' lost wages and your legal expenses. Property damage coverage can also pay for your legal expenses if a lawsuit is brought against you due to an accident.

Property Damage - Protects against a claim or lawsuit for any damage you may cause by an auto accident to someone else's auto or property.

Comprehensive auto insurance coverage - This coverage helps pay for loss of or damage to an insured vehicle, not caused by a collision or vehicle rollover.

Examples of this type of damage or loss include:

  • Storm or natural disasters (wind, hail, flood)
  • Vandalism
  • Theft
  • Hitting an animal
  • Broken window or windshield
  • Fire
  • If something falls on your car

The actual cash value of your car is the most that this coverage can pay out - and it factors in things like your car's purchase price, age, wear and tear. This coverage also has a deductible. That's the amount you have to pay out of your own pocket before insurance picks up the rest.

Collision coverage - Helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision coverage can be a required part of your car insurance coverage if your vehicle is financed or leased.

Uninsured or underinsured motorist car insurance coverage - This coverage pays for damages when a covered person is injured in an auto accident caused by a driver who does not have Liability Insurance or by a hit-and-run accident. It may also pay for lost wages and other damages.

This coverage also can pay for damages when a covered person is injured in an auto accident caused by another driver who has insufficient Liability Insurance.

Uninsured or underinsured property damage - This coverage pays for damages to your insured auto if the driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance. If you carry Collision coverage on all of your vehicles, you may opt to not carry this coverage but often your collision deductible is higher than the applicable $250 deductible for this coverage.

Personal Injury Protection (PIP) - This coverage pays the reasonable and necessary medical expenses for you, your family and your passengers for treatment due to an auto accident.

It may also pay for:

  • Rehabilitation
  • Lost earnings
  • Replacement of services (For example, child care if a parent is disabled.)
  • Funeral expenses

Medical Payments - This coverage pays reasonable and necessary medical and funeral expenses for covered persons when those expenses are related to an auto accident. It may be substituted for the PIP coverage but it will not cover lost earnings or replacement of services.

Rental car reimbursement - Helps pay for your rental car or other transportation if your car cannot be driven due to an at-fault accident or comprehensive claim. Daily allowances or limits can vary by policy provisions.

Towing and labor - Reimburses for towing and roadside assistance charges if a vehicle with car insurance coverage is disabled. Typical services include: battery jump-starting, tire changing and locksmith services.

This information is only a general description of the available coverages and is not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements.


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    601 Embassy Oaks, Suite 101
    San Antonio, TX 78216
    Office: 210-402-0288
    Fax: 210-402-4032

     
    Note: As stated in our "Terms of Service" (TOS) agreement, descriptions of insurance coverage on this web site are for informational purposes only and may not apply, or be included on your policy. Please contact us to confirm coverage provided on your insurance policy or policies your are contemplating purchasing.

     
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