The agents at Ross Insurance Agency in Waco, Texas can help you navigate what may seem like a confusing highway of auto insurance. Drivers in Texas are required to have auto insurance. Drivers in Texas should speak to a professional agent familiar with the different types and amounts of required and recommended coverage.

Auto Liability Coverage. Liability coverage insurance that remunerates another driver involved in an accident you caused. It pays for damages to the other driver’s car. It also covers medical expenses incurred by the other driver and any passengers injured in the other car involved in the accident you caused. Texas drivers are required to carry a minimum of $25,000 in coverage for physical property damage to the other driver’s auto. Coverage required by the state of Texas to cover the other driver’s injuries is $30,000 per person, up to $60,000 per accident. These are only minimum limits required by the state of Texas. Talk to our professional agents about purchasing additional coverage. If you cause an accident that results in a loss greater than what you purchased in coverage, you could be sued for the difference.

Auto Collision and Comprehensive Coverage

Collision. This insurance covers the cost of repairing your car after an accident. Talk to our professional agents about what limits are appropriate to carry for your car. The state of Texas doesn’t require drivers to carry collision coverage. If your car is financed, however, you may be required by the bank to carry enough coverage to repair or replace the car after an accident.

Comprehensive. Texas drivers aren’t required to carry comprehensive auto insurance. This type of coverage is for loss related to theft or damage that isn’t accident-related.

Medical Payments Coverage and Personal Injury Protection

Medical Payments Coverage. This insurance covers medical expenses incurred as a result of an accident. Speak to our agents for more details about why you might purchase this coverage.

Personal Injury Protection (PIP). This is included in all auto insurance sold in Texas and covers medical expenses incurred from an accident, but also covers related expenses.

Buying auto insurance is something you should discuss with an insurance agent. Call or come visit Ross Insurance Agency in Waco, Texas. Our agents have extensive knowledge of auto insurance. We can talk to you about what auto insurance you must buy and what insurance you should buy. We are ready to meet with you to help you navigate your way through your auto insurance purchase.