Simply pays for third parties’ expenses and damages up to the policy’s dollar limits, in an accident the policyholder or someone covered by the policy has caused.

Policyholder/family members defined as anyone living in his or her home related to policyholder by blood, marriage, or adoption. This includes spouse, children, in-laws, adopted children, & foster children. Other drivers driving the policyholder’s car with permission. Family members attending school away from home. Possibly, spouses living elsewhere during a marital separation

Attorney fees in case of a lawsuit
Bail up to $250 if driver is arrested following an accident
Car rental expenses for other drivers
Medical expenses, funeral costs, lost wages, & workers compensation
Punitive damages awarded to third parties by a court
Vehicle collision repair or replacement costs

Basic

Liability

Coverage

Pays For

Covers

Often required by auto dealers and loan lenders as long as owners still owe and pay payments on their car.

The insured, family members, passengers in the insured’s car, and others driving the insured’s vehicle with consent and permission

Cost of repairing or replacing the insured’s car after an accident, paying out only the amount of your car’s actual cash value (market value of your exact year and model without damages), minus the deductible

Collision

Coverage

Pays For

Covers

Typically required by dealers and lenders as long as owners still owe payments on the car.

Comprehensive coverage policy won’t pay for an auto theft unless it is officially reported to relevant police departments. Furthermore, payouts are limited to the car’s actual cash value, minus the deductible

Cost of replacing/repairing insured car for damages by:

Any event other than a collision
Rental car expenses or other temporary transportation if the insured vehicle is stolen.
Theft
Fire
Vandalism

Comprehensive

Coverage

Pays For

Covers

Hail
Falling Objects

Often required by auto dealers and loan lenders as long as owners still owe and pay payments on their car.

Policyholder, their family members, as well as passengers in policyholder’s car, regardless of who caused the accident.

The insured’s own medical and funeral bills resulted from auto accidents, including accidents involving a pedestrian or cyclist.

Medical

Coverage

Pays For

Covers

Personal Injury Protection (PIP) is similar to medical coverage. Minimum coverage legally required by law in Texas is $2,500 in PIP, however, consumers can buy more coverage. If PIP coverage is not desired, consumers must reject it in writing.

The insured, family members, passengers in the insured’s car, and others driving the insured’s vehicle with consent and permission.

80% of lost income and the cost of hiring a caregiver for an injured person in an auto accident.

PIP

Coverage

Pays For

Covers

Uninsured (UM) & Underinsured Motorist (UIM) Coverage I. Property Damage Type

In Texas, there is always an automatic $250 deductible fee, which means the insured on this coverage must pay the first $250 of all expenses first before the insurance company will begin to pay their share.

Insured’s expenses arising from an accident caused by an uninsured motorist or a motorist without enough insurance coverage, as well as those caused by a hit-and-run driver
Personal property that was damaged in the insured car

UM / UIM

Motorist

Coverage

Pays For

Covers

Uninsured (UM) & Underinsured Motorist (UIM) Coverage II. Bodily Injury Type

The policyholder, family members, passengers in the insured’s car, and others driving that car with the insured’s permission. All insurance companies in Texas must offer UM and UIM coverage by law. However, if consumers are not interested to receive this coverage, they must reject it in writing.

Bodily injury UM/UIM pays for medical bills, pain and suffering, lost wages, permanent disfigurement, and permanent or partial disability. This kind of coverage has no deductible.

UM / UIM

Motorist

Coverage

Pays For

Covers

It often covers the costs associated with towing and roadside services for disabled vehicles

If the policyholder does not have access to a roadside assistance program, Towing & Labor coverage may be a lifesaver for excessive costs associated with towing, especially if the vehicle is stranded in unincorporated or remote areas.

Any and all towing charges when your car is disabled and cannot be driven, as well as for all labor costs, like those involved in jump-starting the battery or changing a flat or blown tire.

Towing

& Labor

Coverage

Pays For

Covers

Texas Auto Insurance Coverage Options

Offers Texas drivers a set daily budget for rental cars if the insured vehicle is stolen or is being repaired in a shop.

The insurance companies only pay for repairs that were caused by an event – such as a fire or theft – that the specific policy covers.

Bodily injury UM/UIM pays for medical bills, pain and suffering, lost wages, permanent disfigurement, and permanent or partial disability. This kind of coverage has no deductible.

Rental

Reimbursement

Coverage

Pays For

Covers

State of Texas estimates that about 20% of all drivers on roads and streets of Houston, Dallas, Austin, San Antonio and the rest of Texas are driving without the Texas minimum liability auto insurance everyday, endangering other responsible and insured drivers with their responsibilities. This means 1 out of every 5 drivers on your daily commute to work or school can cause a wreck with you and be unable to afford a dime for your losses and damages. Now imagine how many of these irresponsible and uninsured motorists are driving around fast, drunk, and recklessly and you see how dangerous of a situation you are in, each and every time you are driving at 65 mph on a Houston or Dallas highway. These uninsured motorists and drivers cost the rest of responsible drivers across the state of Texas some 900 million dollars a year for additional protection coverage against the incidents involving such drivers.

As medical expenses are at all time highs, and as cars are inherently expensive items to repair or replace, this basic minimum liability may not cover all incurred damages. Therefore, other third parties damaged by an underinsured driver in Texas have the right to sue the at fault party for remainder of unpaid or uncovered damages. That is why it is highly recommended that Texas drivers protect themselves with higher coverage policies than the required base minimum liability coverage, to avoid unnecessary legal hassles and financial troubles in wake of an auto accident. Furthermore, liability insurance does not cover any damages to the insured’s own vehicle or person and therefore, for such protections in case of an accident, greater coverage options are required as described below.

In Texas, all motorists are required to pay any and all damages they may cause in an accident. Most drivers protect themselves against such unexpected and often unintended costs by purchasing a basic auto liability insurance, otherwise called a 30/60/25 coverage, which will pay for other cars’ repair costs, and other persons’ medical expenses, should they be resulted from auto accident involving a driver with basic liability insurance. Currently, and per Texas Financial Responsibility Law, the minimum, legally required auto insurance liability limits in the state of Texas are $30,000 per every injured person, and up to $60,000 per each auto accident, as well as up to $25,000 for property damage per each accident.

Select Love’s online Texas auto insurance quote form process takes only a few minutes to fill out and in return you will receive multiple obligation free auto insurance quote rates from multiple providers based on your submitted information, budgetary limits, and requested insurance auto insurance coverage amounts. One of our agents will personally handle each and every quote request, thus, the information you receive through our online auto insurance quote system is far more accurate than just some preliminary and inaccurate quote rate calculator available on most other auto insurance quote or comparison websites, including the big guys such as Geico or Progressive. With us, you only have to fill out the short auto insurance form once, and get the most accurate and lowest auto insurance rates available in Texas market from vetted and reputable Texas auto insurance providers.

Is Texas Minimum Liability Auto Insurance Enough?

Having started our insurance agency by offering affordable and quality auto insurance in Houston, TX, we know the ins and outs of Texas auto insurance laws, and have a first hand experience with most active Texas auto insurance providers. Our caring and friendly team of professional insurance agents can help you find the lowest auto insurance rates in Houston, Dallas, Austin, and San Antonio, as well as the rest of Texas. Whether you prefer to request a Texas auto insurance quote online via our website form on this page, or rather call and talk to one of our auto insurance agents directly, we will provide you with the most seamless and personal experience you can expect of any insurance agency in Texas! But, you don’t have to take our word for it, just try the online form or head on to our contact page to connect to one of our car insurance agents.

Get Multiple Online Texas Auto Insurance Rate Quotes In Just A Few Clicks!

1 in 5 Drivers In The State Carry No Texas Auto Liability Insurance

Financial Responsibility Law of Texas: Minimum Auto Liability Coverage

Texas Auto Insurance Is Our Expertise

Certain policies exclude coverage the use of the vehicle is for business, such as pizza or newspaper delivery jobs, among others.

Excluded Business Use

As apparent from the title, this policy clause excludes coverage for losses that were result of intentional damage.

Uncovered Deliberate Acts

Based on your needs and budget, various Texas auto insurance policies may pay for car repair or replacement, medical expenses, rental cars, towing, court costs, and other expenses arising from an auto accident. Often, these policies involve detailed terms that may limit or exclude coverage for certain situations or persons.

Typical Texas Auto Insurance Policy Limitations & Exclusions

This exclusionary clause of almost all policies prohibits any coverage if the vehicle is used in a racing event.

Racing & Motor Sports

Some Texas auto insurance policies only offer coverage for the specifically named household residents on the policy.

Named Drivers Only

An endorsement attached

to some policies that excludes coverage for people specifically named and listed on the endorsement.

Excluded Drivers

Based on your needs and selections, Select Love Insurance Agency searches for various Texas auto insurance coverage plans, and offers you the most suitable combinations of savings and care options as requested. Factors we and other insurance companies use to calculate your Texas auto insurance rate include:

Claims History & Driving Record

Clean driving records are often rewarded with lower insurance rates. If drivers driving record shows accidents or tickets, most insurance companies will charge more. They may further increase auto insurance rates if driver being insured has major criminal convictions, certain driving violations, and accidents that result in damage to a property. Some surcharges are mandatory and will apply to driver’s premium for three years following such events.

What Affects A Texas Auto Insurance Rate?

Age & Marital Status

In Texas, men under 25 years of age, and unmarried women under 21 years of age have the highest auto insurance rates. However, Texas drivers over 50 may be eligible for auto insurance discounts.

Body Style & Type of Vehicle

In state of Texas, collision and comprehensive auto insurance rates are the highest for luxury vehicles, as well as for high-performance sports cars. Per insurance industries established historical records, Texas insurance rates could also be higher for cars that are known to get damaged easily or cost more to repair.

General Location of Vehicle & Residence

Texas auto insurance rates are often higher in major cities and metropolitan areas as higher populations naturally result in more cars on the roads and therefore, more accidents. Higher crime rate (auto theft, auto vandalism, etc) than those of more rural areas is also an added factor that may hike Texas auto insurance rates in larger cities such as Houston, Dallas, Fort Worth, Austin, and San Antonio.

Primary Use of Vehicle

Texas auto insurance rates are higher the vehicle is driven to and from work or for business purposes. On the other hand, Texas car insurance rates are the lowest for people who only drive for pleasure.

Driver's Credit Score

Insurance companies in Texas typically use credit scores in drivers’ vetting process before they decide to sell anyone an auto insurance policy in order to assess the risk they take and benchmark the drivers personal level of financial responsibility. However, Texas law strictly prohibits an insurance company from refusing to sell (or cancel and refuse to renew) an auto policy based only on one’s credit score.

Uninsured Driving Period

Most insurance companies in Texas will charge higher premiums if a driver has been driving uninsured in the state for more than 30 days in the 12 months preceding the latest quote & coverage request date. Any lack of coverage beyond this defined 12 month limit should not be counted against any driver by any insurance companies in Texas.

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