Auto Insurance

Texas drivers have a variety of options when it comes to choosing an auto insurance policy to protect themselves and their vehicles. At Hairston and Associates, we work with the nation’s top insurance carriers to ensure you are getting a quality auto insurance policy at a great rate.

Whether you are in Spring, Kay, or Tomball, every motorist in Texas is financially responsible for any damages or injuries they might cause in a car accident. This obligation can be met by purchasing an auto insurance policy or an alternative such as a cash or securities deposit with the county judge or state comptroller. The majority of Texas motorists choose auto insurance over the alternatives.

Every Texas auto insurance policy needs to meet specific liability insurance requirements. Liability insurance will cover injuries or damage to others or their property if you cause an accident. It is important to note that liability insurance does not offer any protection for you and your vehicle. For this reason, many drivers will choose to purchase optional coverage on top of what is required. Let’s take a look at the required coverage, as well as optional coverages available with a Texas auto insurance policy.

Texas Auto Insurance Liability Requirements

  • $30,000 per injured person.
  • $60,000 for all injuries per accident.
  • $25,000 for property damage.

Optional coverages will protect the investment you have made in your vehicle and to cover various accident-related expenses. These coverages can include collision coverage, comprehensive coverage, loan/lease gap coverage, rental car coverage, uninsured/underinsured motorist coverage, roadside assistance/towing coverage, and more. Collision coverage and comprehensive coverage are the most common option coverage additions to any auto insurance policy.

Collision coverage protects your vehicle from accident-related damages. Your bank or lender may require that you carry collision coverage if you have financed or leased your vehicle. As vehicles age, collision coverage may become less valuable and it may make sense to discontinue collision coverage on older vehicles that have depreciated significantly.

Comprehensive coverage on the other hand, protects you from damaged caused by something other than a collision. The types of damage that are covered under comprehensive coverage would include things such as vandalism, fire, theft, natural disaster, and similar non-collision related damage.

Whether you are a first-time driver or just shopping for a new rate on your current Texas auto insurance policy, Hairston and Associates is here to help you find the policy that meets your unique needs. Contact us today for a free quote or you may use our Auto Insurance Tool to get started as well!