No matter how cautious a driver you are, eventually everyone can expect to be involved in an automobile accident. It is important to know you're legal rights. This page is designed to help answer many of your questions about your Texas Automobile Liability Insurance Policy.

INSURANCE

Question: What kind of insurance do I have on my car?

Answer: The terms used by the insurance industry include:

Liability Coverage: Liability Coverage provides protection for the person or property that you unintentionally damage when driving your car.

Collision Coverage: Collision Coverage pays for damage to your car whether caused by you or by someone else.

Comprehensive Coverage: Comprehensive coverage pays for fire, theft or vandalism of your car and its contents.

Medical Payment and Personal Injury Protection: Medical Payment and Personal Injury Protection cover medical expenses, and, in some cases, up to 80% of lost wages for anyone in your car.

Uninsured Motorist Coverage: Uninsured Motorist Coverage will pay for your personal injuries and property damage if the driver at fault is not insured.

Underinsured Motorist Coverage: Underinsured Motorist Coverage attempts to fully compensate you if the amount of the other driver's insurance is not enough to fully cover all of your damages.