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Auto Insurance Policy in Texas

Searching for an auto insurance policy can be stressful between the array of policies and premiums offered across carriers. Not all auto insurance policies are created equal, either, and ending up with the wrong policy can lead to gaps in your coverage and expensive premiums.

As an independent agency, the Walls Insurance Agency, LLC. does the hard work for you. We will work with you on a personalized basis to match you with an auto insurance policy tailored for your needs and your wallet.

What is Full Coverage Auto Insurance?

Full coverage auto insurance is the highest amount of insurance you can place on a single vehicle.

This type of policy usually includes:

  • Comprehensive Coverage in auto insurance: Comprehensive coverage provides compensation for damages to your vehicle caused by fire, wind, hail, lightning, smoke, falling objects, theft, vandalism and other incidents aside from collision.
  • Collision Coverage in auto insurance: Collision coverage provides compensation for damages to your vehicle caused by a collision with another vehicle or object.
  • Liability Coverage in auto insurance: Liability insurance covers bodily injury and property damage you may cause someone else while operating the insured vehicle. If you cause an accident that results in injuries, for example, this insurance can help pay for the victim’s medical bills and protect you in case of a lawsuit.
  • Medical Payments Coverage in auto insurance: Medical payments coverage provides assistance for medical bills you and your passengers may face after an accident, no matter who caused the accident.
  • Uninsured/Underinsured Motorist in auto insurance: This insurance covers expenses in an accident involving another driver who is not carrying insurance.
 

Texas Auto Insurance Requirements

In Texas, all drivers must carry at least:

  • $30,000 in bodily injury liability per person
  • $60,000 in bodily injury liability per accident
  • $25,000 in property damage liability
 

How Do Auto Accidents Work in Texas?

Texas is a no fault state for auto accidents, meaning that the driver responsible for an accident will generally be required to cover damages and injuries of all parties involved. If you cause an accident in Texas, for example, you may have to file a claim on your insurance policy to cover damages and injuries to yourself, your passengers, your vehicle, the other drivers and passengers, other vehicles involved, etc. Without insurance, this could quickly add up.

Ready for an Auto Insurance quote?

CONTACT US

Select from our online tools or give us a call. Chat, text or discuss via phone, your choice!

Online Quote

Fill out a quick quote form and we will send you a quote. You can select one or multiple quotes or upload your existing policy for better coverage or beat the price.

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Call: (512) 647-2338

Call us and we will discuss your insurance needs and create a tailored policy plan with competitive pricing.

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You can also email us here for questions and for a detailed quote.

Book a Meeting

If you prefer to discuss insurance options face to face or online, contact us to schedule a meeting!

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Frequently asked questions

Texas is a fault state for auto accidents, meaning that the driver responsible for an accident will generally be required to cover damages and injuries of all parties involved. If you cause an accident in Texas, for example, you may have to file a claim on your insurance policy to cover damages and injuries to yourself, your passengers, your vehicle, the other drivers and passengers, other vehicles involved, etc. Without insurance, this could quickly add up.

There usually isn’t harm in switching auto insurance policies when you desire a new insurer or cheaper rates. However, switching right after an accident can usually raise your rates.
Texas requires a minimum amount of liability insurance, but you will need additional insurance to protect your vehicle and your passengers.

Auto insurance rates can change each year, but they can change nearly at any time depending on the circumstances. Accidents may change your insurance rates almost immediately.

When you file a claim, your claim will be evaluated compared to your policy. Once it is approved, you can receive compensation for damages and injuries.

Don’t wait until after an accident to get the coverage you deserve. Call The Walls Insurance Agency, LLC. at (512) 647-2338 or fill out an online quote form to get started.

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Existing Policy Document

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