Texas Personal Automobile Policy

Liability Coverage
Other people’s costs for accidents caused by drivers enclosed by your policy, up to your policy’s dollar limits.

It covers other people’s funeral costs, compensation for pain and suffering, Auto rental and corrective damages awarded by a court. You and your family members might be covered when driving someone else’s automobile such as a company car.

Medical Payments Coverage
You’re medical, funeral bills ensuing from accidents, in which the other person is a pedestrian or bicyclist. It covers you, your family members, and passengers in your car.

Personal Injury Protection Coverage
It pays same as medical payments coverage. It also covers you, your family members, and passengers in your car.

Uninsured/Under insured Motorist Coverage
It pays your expenses from an accident caused by an uninsured motorist.
Bodily injury pays without deductibles for medical bills, pain, suffering and permanent or partial disability. Property damage pays for auto repairs, a rental car, and harm to things in your car. It covers you, your family members and others driving your car with your permission.

Collision Coverage
It pays the cost of repairing or replacing your car after an accident where the payment is limited to your car’s actual cash value. It covers same as the uninsured motorist coverage.

Comprehensive Coverage
It pays the cost of replacing or repairing your car if it is stolen or damaged by fire or a cause other than a collision.
Labor Coverage
Pays labor charges when your car can’t be driven, at the location where your car became motionless.

Rental Reimbursement Coverage
It pays amount for a rental car if your car is stolen or is being repaired because of damage enclosed by your policy.

Settling the Claim
The other driver’s insurance company may ask you to sign a release to settle your claim, don’t sign a release until you are satisfied with the total settlement. You might want to consult a lawyer before accepting a settlement. Under Texas law, you have two years after an accident to settle your claim.