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Liability - Liability protects when you become
liable for injury, death or property damage to others in an auto
accident. It includes legal and court costs as well. This coverage will
pay up to the policy limit when any person covered on the policy becomes
legally responsible because of an auto accident.
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Personal Injury Protection - Personal Injury
Protection pays reasonable expenses incurred, up to the policy limit, for
necessary medical and funeral services because of bodily injury caused by
an auto accident and sustained by any person while legally occupying your
vehicle, regardless of who is at fault. It may also reimburse up to 80%
of lost wages and pay for incidental services which can't be performed as
a result of injuries.
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Uninsured/Underinsured Motorist - Uninsured Motorist
Coverage pays for damages and injuries, not to exceed the policy limit,
caused by an uninsured or hit-and-run at-fault driver. Underinsured
Motorist Coverage protects you if the at-fault driver does not have
enough insurance to cover the total cost of your damages or injuries.
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Collision & Other than Collision - Collision
Coverage pays for damages to your automobile resulting from an accident.
Other Than Collision Coverage will pay for damages if your automobile is
stolen or damaged by such things as fire, windstorm, hail, flood,
vandalism or contact with a bird or animal.
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Medical Payments - Medical Payments pay reasonable
expenses incurred, up to the policy limit, for necessary medical and
funeral services because of bodily injury caused by an auto accident and
sustained by any person while legally occupying your vehicle, regardless
of who is at fault.
Towing/Labor, Rental Reimbursement, and Trailer Coverage is also available.
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For more information please visit the Texas
Department of Insurance.
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