Insure Your Family’s Vehicles
Driving in Austin, TX can be a challenge. Jammed rush hours, bike lanes, narrow roads, and one-way grids mean you have to keep all of your attention on the road. If an accident does happen, be prepared with an auto insurance plan that offers thorough protection.
Insure Your Family’s Vehicles
Packaging your auto insurance
Many companies let you package auto insurance with additional insurance policies such as homeowners insurance, renters insurance, or boat insurance to help you save money. The agents at Britton & Britton Insurance Services know how to navigate Austin’s numerous insurance companies to help you find insurance packages that fit your needs and help lower your premiums.
Types of Automobile Insurance
Texas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by buying auto liability insurance. Liability insurance pays to repair or replace the other driver’s car and pays other people’s medical expenses when you are at fault in a covered accident.
Liability insurance doesn’t pay to repair or replace your car or to treat your injuries. Consider buying other types of coverage – such as medical payments, collision, and comprehensive – to pay for these expenses.
Because of car prices and the high cost of medical care, the minimum amounts might not be enough to pay all of the other driver’s costs if you’re in an accident. Other drivers could sue you to collect the difference. Consider buying more than the basic limits to protect yourself financially.
The cost of repairing or replacing your car after an accident. You will only receive the amount of your car’s actual cash value, minus your deductible. Actual cash value is the market value of a car like yours without damages.
If you still owe money on your car, your lender will require you to have collision and comprehensive coverages.
The cost of replacing or repairing your car if it is stolen or damaged by fire, vandalism, hail, falling objects, or an event other than a collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. Your policy won’t pay for an auto theft unless you report it to police. Payment is limited to your car’s actual cash value, minus your deductible.
Uninsured/Underinsured Motorist Coverage
Your expenses from an accident caused by an uninsured motorist, a motorist who did not have enough insurance, or a hit-and-run driver.
There are two types of uninsured motorist/underinsured coverage: The Bodily injury portion can pay for medical bills, lost wages, pain and suffering, disfigurement, and permanent or partial disability. The property damage can pay for auto repairs, a rental car, and damage to items in your car. There is usually an automatic $250 deductible.
Personal Injury Protection (PIP) or Medical Payments
Can provide coverage for your medical and funeral bills resulting from accidents, including an accident involving a pedestrian or bicyclist up to your selected limits. It can include you, your family members, and passengers in your car, regardless of who caused the accident. An insurance company must offer you $2,500 in PIP, but you can buy more. If you don’t want PIP, you must reject it in writing.
Boat insurance is financial protection for watercraft damage. Most craft that has a motor is covered by boat insurance. This coverage usually includes:
- Fishing boats
- Paddle boats
- Pontoon boats
- Recreational boats
- Jet Ski and Sea-Doo
Personal watercraft such as canoes or kayaks can even be covered.
Campers, motorhomes, travel trailers, pop up, fifth-wheel, and even homes on a bus are all considered recreational vehicles, or RVs. We can cover your Vintage Airstream or brand new hybrid and your personal belongings inside. Call us so you are ready to hit the open road!
From Harleys to mopeds and scooters to motocross, our goal is to provide you with the information you need to make an informed decision. Coverage options for your custom parts, including Actual Cash Value or Agreed Value settlement options – we have motorcycle insurance that fits your needs!
Your Britton & Britton Insurance agents are standing by to help you find out what type of auto insurance you need – and how you can save. Call us today for more information!