Phone: 281.570.2000
Fax: 281.652.5814
Personal Auto Coverage
Since it is required by law, most everyone has some type of auto liability coverage for the vehicles they own/drive. It is important to have a basic understanding of your coverage to allow you to maximize the benefits provided by your policy.

Auto insurance pays for damages, injuries, and other losses associated with the ownership, maintenance and use of vehicles you own. In many cases, insured's don't understand how some of their coverage's apply and may not know to report certain types of claims. Depending on the type of coverage, auto insurance can either pay for your damages or another driver's damages, or a passengers damages.

The basic coverage's found in most auto insurance policies are as follows:

LIABILITY- pays for damage caused by you to another person or another person's vehicle or other property as a result of an automobile accident. Types of liability coverage include:

* Bodily Injury (BI) if you injure someone in an auto accident
    for which you are legally to blame, this coverage will pay claims for injury or death you cause and the cost of legal defense.

* Property Damage (PD) pays for damage that you cause to someone else's vehicle or property for which you are legally
    liable. This does not cover your car or property.

* Medical Payments pays for medical, hospital or funeral expenses for you and others injured or killed while riding in your car,
    regardless of fault. It also covers you and family members if struck by a car as a pedestrian or if riding in another car.

PHYSICAL DAMAGE - pays for a loss resulting from damage to your vehicle or a vehicle operated by you. Physical damage also provides coverage if your vehicle is stolen. Types of physical damage coverage include:

* Collision pays for damage to your car from a collision incident, regardless of fault. It usually includes a deductible and the
    insurance company pays the rest. Selecting a larger deductible can lower your collision premium.

* Other Than Collision (Comprehensive) pays for damage to your car caused by most anything other than a collision. Glass
    breakage, theft, fire, explosion, impact with an animal, vandalism and flood are some of these hazards. This coverage is also
    available with deductibles to lower your premium.

OTHER COVERAGE - Other types of auto coverage include:

* Uninsured Motorists (UM) Unfortunately, not everyone purchases auto insurance. If you or your passengers are injured by
    someone who does not carry auto insurance, UM coverage will pay for injuries up to your policy limits. This includes medical
    expenses, loss of wages, and related expenses. UM coverage also applies if you are a victim of a hit-and-run driver.

* Underinsured Motorists (UIM) Just as some drivers don't carry any auto insurance, other's don't carry enough to pay for
    damages from their accidents. UIM coverage pays for death and injury expenses to you or occupants of your car when the
    other person's insurance is inadequate.

* Personal Injury Protection (PIP)) coverage pays for medical expenses and 80% of lost income, regardless of who is at fault
    in the accident. It also pays for assistance with personal services you are unable to perform because of an auto accident.
    You, your family members, and your injured passengers are covered under PIP. Insurance companies must offer to sell you
    PIP coverage (and Uninsured Motorist Coverage) along with your liability coverage. If you decide not to purchase PIP, you
    must reject it in writing. PIP coverage is available at limits of $2500 and up.

* Towing and Labor coverage provides reimbursement for expenses to tow your car from where your car broke down and labor
    expenses for repairs where the breakdown occurred.

* Rental Reimbursement coverage pays the cost of the rental car if your own car is stolen or becomes disabled due to a
    covered cause of loss. This coverage reimburses you for transportation expenses up to the specified limits fixed in your policy.
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