Auto Insurance

Auto insurance can help provide crucial financial protection if you are involved in an accident or if events beyond your control damage your vehicle. The amount of coverage you have depends on the policies, endorsements and limits you choose.

Is Auto Insurance Required in Texas?

Texas requires all drivers to maintain minimum amounts of liability coverage to help pay for third-party property damage and injuries. Your agent may recommend that you purchase more than the minimum required amount to help provide additional financial protection.

If you finance or lease a vehicle, your lender may require you to purchase full coverage insurance, which may include the following:

• Comprehensive insurance may help pay to repair or replace your vehicle if it is stolen or damaged in a noncollision-related incident such as a rollover accident, fire, vandalism or storm.
• Collision insurance may help pay to repair or replace your vehicle after a collision with another vehicle or object.
• Guaranteed asset protection (Gap) coverage may help pay off your vehicle if it’s a total loss after a covered accident or incident.

Your agent may recommend that you also add the following optional coverages:

• Uninsured/underinsured motorist coverage may help cover damage to your vehicle and injuries to you and your passengers if you are hit by someone who is uninsured or doesn’t have enough liability coverage.
• Medical payments (MedPay) coverage may help pay accident-related medical expenses for you and your passengers. It may also help cover medical bills if you are hurt in an accident as a passenger.
• Personal injury protection (PIP) coverage may help cover accident-related medical expenses and nonmedical expenses, such as lost wages.
• Towing and labor coverage may help pay to tow your undrivable vehicle. It may also help cover labor to jump-start your car or change a flat tire.
• Rental reimbursement coverage may help cover your rental costs if your vehicle is stolen or being repaired after a covered accident.

How to Get Auto Insurance in Texas

Contact Greenlight Insurance Agency in Marshall, Texas, to start building your customized auto insurance plan. Our agents can help you get a personalized quote for your auto coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.