The right auto insurance policy can help get you back in behind the wheel shortly in the event your car is damaged or destroyed by an accident, fire, stolen, or other covered by your insurance policy.
Your policy may also provide protection against medical and/or legal expenses from injury, loss of life, or property damage caused by an accident involving your vehicle.
We know that auto insurance is not a one-size-fits-all policy. You need coverage that is custom tailored to fit your needs and lifestyle. No two drivers’ coverage needs are exactly alike. From the type of car you drive to the value of the assets you need to protect, car insurance should be adapted to minimize your exposure to risk. Whether you own a small sports car or fill up your family’s garage with a variety of vehicles, you can trust us to protect you and your assets after the accidents we all hope will never happen. When you browse through your auto quote or policy, you may see certain coverages and wonder exactly what they are, and why they’re on your policy. The information below may help you to better understand:
Liability
If you cause an accident, you can be sued for the physical damages and bodily injuries that occur as a result of the collision. While Texas requires all drivers to carry a minimum amount of liability coverage, it may not be enough to shield you against serious litigation. CIA will provide personalized liability coverage recommendations designed to shield you.
Uninsured/Underinsured Motorist
Not all drivers are responsible drivers. If you are the victim of a hit-and-run or a driver with low-limit liability coverage, you can rely on your uninsured or underinsured motorist protection to help cover your damages.
Property Damage
Suppose you damage someone's car in an accident, or a guard rail, house, or public/city property, or some other property that belongs to someone else. This is the part of your policy that compensates the other person for that damage
Medical Payments
If you or one of your passengers is injured in an accident, you don’t have time to worry about who is going to pay for your doctor or hospital bills. Medical payments coverage helps pay for medical expenses regardless of who was at-fault for an accident.
Collision Coverage
Accidents happen – don’t let your pocketbook pay the price. If you wreck your vehicle, it helps to know that your insurance will help cover the cost of repairs or replacement. CIA can help you protect you and your car with choosing the right coverage and deductible that fits your needs.
Comprehensive Coverage
Sometimes cars get damaged in the strangest of ways. The next time a vandal scratches a key line in your car door or a tree branch crashing down on your car, trust that your comprehensive coverage will help cover the cost to repair or replace the damage.
Other Benefits
Many insurance companies offer additional coverage options to drivers, some of which are unique to specific providers and others of which are more common among insurers. Be sure to ask about extra coverage such as roadside assistance, towing, rental car reimbursement, and more.
