All of the Insurance carriers we represent provide a wide range of auto Insurance products at a fair price. Our prices get even better when you qualify for our available discounts. When applying for Insurance in Texas, you're usually asked whether you want collision and/or comprehensive coverage, and how high you want you’re deductible to be, what liability limits you want, and whether you want any additional optional coverages. Here at Lee Insurance Agency, we can help you understand what these terms mean and what coverages are right for you.
Auto Insurance Coverage options in Humble, Texas:
Collision and comprehensive (other than collision) coverage pays for damages to your automobile
Collision and Comprehensive (other than collision) coverages pay for damage to your automobile. You can purchase either or both of these coverages for each vehicle you own. If you have an auto loan you may be required to purchase both.
- Collision coverage insures you against damage to your vehicle caused during an at-fault accident.
- Comprehensive (other than collision) coverage insures you against all other physical damage to your vehicle caused by such events as fire, theft, flood, and vandalism.
Collision and comprehensive (other than collision) coverage usually includes a deductible, which can range from $100 to $1,000. If your vehicle is damaged, the Insurance company pays only for the damages in excess of the deductible you selected. The higher the deductible, the lower the premium.
When you are involved in an at fault accident, Liability coverage pays for the injuries caused by you to the other person along with the damages you cause to their automobile.
Medical Payments Coverage
Medical Payments coverage pays medical expenses (up to a specified dollar limit) for you and passengers of your car who are injured in an automobile accident, no matter who is at fault. If you and your passengers have health Insurance, you may not need this coverage.
Personal Injury Protection
Some states require Personal Injury Protection, which is also known as No-Fault coverage. This coverage pays for things like medical and rehabilitative expenses, replacement services, and funeral expenses. It also pays for loss of income if you are injured in an auto accident and are unable to work.
Uninsured/Underinsured Motorist Coverage
This coverage pays if you are injured by a person who is completely uninsured or doesn't have enough liability Insurance to cover your injuries. It also covers you if you are in an accident with a hit-and-run driver.
Optional or special coverage includes extras such as towing, rental reimbursement, and roadside assistance. None of these coverages are required.
How much do I need?
Choosing the appropriate level of auto Insurance coverage depends on a number of factors, including assets you must protect (liability coverage), value of your vehicle (collision and comprehensive), the amount of money you can afford to pay out-of-pocket (deductibles), and your tolerance for risk.
Our professionally trained insurance agents can assist you in finding the right auto insurance that best fits your needs.