We Insure Private Passenger Autos – Including Four Wheel Motor Vehicles, cars, Pickup trucks and most Utility type vehicles, and multi-use type vehicles including Jeeps, Blazers, Rancheros, Broncos, Sports Utility Vehicles and other similar vehicles.

Here are some basic insurance facts you should know:

• Liability Insurance: All Texas Owners and Operators of Private Passenger Vehicles must be financially responsible for any damages or injuries they cause another with an automobile. 

• Personal Injury Protection:  Optional coverage, which is a Texas form of No Fault Insurance, which affords coverage to all passengers riding in the vehicle with permission and pays for Medical and Funeral expenses, that are Reasonable and Customary, resulting from an Auto accident.

• Uninsured/Underinsured Motorist:  also Optional coverage, which pays for bodily injury, or property damage sustained by you, the owner of the vehicle or passengers in your vehicle, when you are involved in an auto accident caused by another driver, who is either uninsured, or underinsured. Coverage is also afforded when there is a Hit and Run Driver involved.

• Physical Damage Coverage: Coverage for Damage to Your Auto - both Collision and Other than Collision, including Theft of your Vehicle. Many banks require that you carry Physical Damage coverage, until your vehicle loan is repaid.

• Premium: Cost to purchase coverage. Costs vary according to your own personal information.

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