Auto Insurance in Dallas, Texas

Car insurance may help provide financial help if you are in a damage-causing car accident or if an incident beyond your control damages your vehicle. Contact Auto Pilot Insurance today to start building your car insurance plan.

What Is Car Insurance?

Car insurance is a contract with an insurer stating that in exchange for regular premium payments, the insurer will provide coverage of a certain type and amount if you are involved in an auto accident.

Insurers set premiums for car insurance, so it’s crucial to work closely with your agent to get multiple personalized quotes from reputable insurance companies.

What Does Car Insurance Cover?

Texas drivers must purchase minimum amounts of liability coverage to help pay for their legal liability after an at-fault accident. Liability insurance may help pay for third-party property damage and bodily injuries up to the policy’s limits. Since the state’s liability limits are low, your agent may recommend that you purchase more coverage than the legally required amount.

Your agent may also recommend that you purchase the following optional coverages:

• Collision and comprehensive coverage may help repair or replace your vehicle if it is stolen or damaged in certain events, such as a fire or weather, or an accident with another vehicle. Your lienholder requires this coverage if you finance or lease your vehicle.
• Medical payment coverage may help pay accident-related medical bills for you and your passengers.
• Personal injury protection (PIP) may help cover accident-related medical costs and other accident-related expenses for you and your passengers. Texas requires insurance companies to include this coverage, but you can reject it in writing.
• Uninsured/underinsured motorist coverage may help cover your medical and car repair costs if you are in a hit-and-run accident or if the at-fault driver is uninsured or underinsured.
• Gap insurance may help bridge the gap between your insurer’s settlement and the amount of money required to pay off your loan or lease if your vehicle is a total loss after a covered accident or incident. Your lienholder may require this coverage.

How Does Car Insurance Work?

Your car insurance is a highly customizable collection of policies and endorsements tailored to address the risks and perils you may face as a driver. If you must make a car insurance claim, the insurer may pay for damages, but only up to the policy’s limits.

Contacting your agent or insurer is crucial if you are involved in a car accident or your vehicle is damaged. Your insurer can help you open a claim and will assign an adjuster. They will collect information about the accident or incident and create a settlement based on the details of your coverage.

How to Get Auto Insurance

Auto Pilot Insurance is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.