It’s not only a good idea to protect your new car – it’s the law. In Texas, all drivers must have auto insurance. Benchmark Brokers Insurance Agency can help you choose the right policy for your vehicle, including motorcycles and RVs.
What does auto insurance cover?
Auto insurance typically provides four basic things—liability coverages (for injuries to others and damage to their property), coverage for damage to your car or cars, coverage for medical expenses and uninsured motorist coverages (for situations where someone without enough insurance injures you or a family member). There are a variety of coverage options available; they may vary by state and company.
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How Benchmark Can Help
Our strong relationships with a long list of A+ national and regional insurance companies combines with our advanced technology and dedicated team to provide you with custom-crafted protection that is in harmony with who you are, where you are, what you want and what you need.
What are the common auto insurance coverages?
Below are some simplified descriptions of common auto insurance coverages. All coverages are subject to the limits, terms and conditions of the actual policy you purchase.
- Bodily injury liability coverage – generally pays damages for bodily injuries to the driver and passengers of the other vehicle when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.
- Property damage liability coverage – generally pays for damages to another person’s property (e.g. their car) when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.
- Medical payments coverage – generally covers you, household relatives and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by a vehicle.
- Uninsured or underinsured motorist bodily injury coverage – generally pays for damages for bodily injury to you and your passengers when caused by another in an auto accident and the person legally responsible either has inadequate or no insurance. This coverage varies greatly by state. In some states it may be a combined coverage, while other states may offer it as two separate coverages (e.g. one for uninsured motorists and one for underinsured motorists).
- Collision coverage – generally pays for damage to your car if it hits another car, object, or overturns. A deductible applies to this coverage.
- Comprehensive coverage – generally pays for damage to your car if it is stolen or damaged by certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to this coverage.