Auto Insurance

Property Damage

Property damage coverage protects you if your car damages someone else's property, such as another car, a fence, or building front. When choosing your property damage liability limits, you should consider all of your assets, including your home and future earnings because if you don't have enough coverage to protect all of your assets, those assets could be at risk if you're liable for damages that exceed your coverage limit. Consider having a higher limit of liability coverage – it may help you avoid having to pay out-of-pocket after an at-fault accident.

Uninsured / Underinsured Motorist Damage Coverage

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Bodily Injury Liability Coverage

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Medical Payments Coverage

Medical payments coverage can help cover all reasonable medical expenses and funeral expenses of covered drivers and passengers after an accident, regardless of fault. In most states, it's an optional addition to your car insurance policy.

Transportation Expenses / Rental Coverage

Transportation expenses/rental coverage is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Proudly Serving Automobile Insurance in Texas

These days, the roadways are busy wherever you go. Regardless of the type of vehicle you may drive, accidents still happen, and every driver needs protection when they get behind the steering wheel. The right Automobile Insurance policy can help provide that protection to you. Call the team at Iglesias Insurance to learn how we can help you with your Automobile Insurance needs.  

What Is Automobile Insurance? 

Automobile Insurance offers you financial protection if you are involved in an accident or experience another covered loss. Auto coverage is a contractual agreement between you and your insurer in which you agree to pay the insurer a premium in exchange for certain types and amounts of coverage as defined in your policy.  

Why Is Automobile Insurance needed? 

Automobile insurance can provide a crucial layer of financial protection in case you have an accident that results in car damage or theft, or if you or your passengers sustain injuries that require expensive medical treatment. Furthermore, if your vehicle or actions cause damage or injury to a third party, you may face a lawsuit that can have devastating financial consequences. By obtaining automobile insurance you can mitigate the risk of facing financial ruin in these scenarios.

What Does Auto Insurance Provide? 

• Liability insurance—If an accident is your fault, this coverage may help pay for the losses of the other driver, and anyone else injured or harmed. Liability insurance is required in nearly all states in the United States, including Texas. You’ll need to show you have adequate liability coverage to satisfy the state’s minimum auto insurance requirements in order to register your vehicle and legally drive in Texas.
• Bodily injury liability coverage. This coverage may pay for third-party medical bills and sometimes for death benefits.
• Property damage liability coverage. This coverage may pay for damage to the other party’s property. 
• Collision insurance—This coverage may cover damage to your vehicle sustained in an accident or collision with an object. 
• Comprehensive insurance—This coverage may pay for non-accident damage, such as weather damage, fires, theft, vandalism or other incidents. 
• Personal injury protection (PIP) coverage—This coverage may pay for your medical bills if you’re injured in an accident. This coverage may also cover other losses, such as lost income. Texas drivers are mandated by state law to purchase minimum amounts of PIP coverage or sign a waiver declining this coverage.   
• Uninsured/underinsured motorist insurance—If someone who doesn’t have appropriate liability coverage caused your accident, this coverage might help cover damages.  
  
  

Can I Buy Additional Coverage? 

• Custom parts coverage 
• Gap insurance 
• Replacement cost vehicle coverage 
• Rental car reimbursement 
• Roadside assistance 
• Vanishing deductibles
  
  

How Much Is Automobile Insurance?

When it comes to Automobile Insurance, the cost of your premium is determined by several factors such as your preferred coverage limits, the model and value of your vehicle, your driving record, the location where you reside, as well as your claims history. Our team can collaborate with you to design a policy that meets your coverage needs while staying within your budget.

We Can Help 

Contact any of our locations to begin your auto insurance policy.