1701 Gateway Dr. Ste. 431
    Richardson, TX 75080
    972-480-9878
   

Auto policy includes six coverages. Each coverage is priced separately.

It applies to injuries that you or your family listed on the policy cause to someone else. It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money.
It pays for treating injuries to the driver and passengers of the policyholder's car due to accident. PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident, including funeral costs sometimes.
It pays for damage you (or other driver in your car with your permission) may cause to someone else's property, including damage to cars, lamp posts, telephone poles, fences, buildings or other structures your car hit.
It pays for damage to your car resulting from a collision and for damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000. Even if it's your fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If it's not your fault, your insurance company will try to ask reimbursement for you from the other driver's insurance company. If they are successful, you'll also be reimbursed for the deductible.
It reimburses you for loss due to theft or damage caused by something other than a collision, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals. Comprehensive insurance is usually sold with a $100 to $300 deductible.
It will reimburse you, your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.