Complete Home and Auto Insurance Solutions in Dallas and the Fort Worth Area

Auto or Car insurance protects you against financial loss if you have an accident. It is an agreement between you and the insurance company. When you pay the premium, the insurance company agrees to pay your losses as defined in your policy.

Auto insurance provides property, liability, and medical coverage:

Property coverage pays for damage to or theft of your car.

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for treating injuries, rehabilitation, sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements.

Most auto policies are for six months or a year. Your insurance company should notify you by mail when it's time to renew the policy and pay your premium.

It's all about protecting yourself financially.

If you're in an accident or your car is stolen, it costs money, often a lot, to fix or replace it.

Medical costs can be extremely expensive if you or any passengers are injured in an accident.

If you or your car is responsible for damage or injury to others, you may be sued for much more than you're worth.

Not only is having insurance a prudent financial decision, but many states require you to have at least some coverage.

Questions to ask your Agent

Your Independent Agent advocates for finding auto insurance that meets your specific needs. 

Here are a few things to consider as you prepare for the discussion:

How much can you afford to pay if you get in an accident? (To keep premiums low, you may want a higher deductible and be willing to pay more for repairs.)

What is the insurance company's level of service and ability to pay claims?

What discounts are available? (Ask about good drivers, multiple policies, and student discounts.)

What's the procedure for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and what you keep in it.

Homeowners insurance is a package policy. This means that it covers damage to your property and your liability or legal responsibility for any injuries and property damage you or your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered, but there are exceptions. The most significant damage is caused by floods, earthquakes, and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners' responsibility.

It is all about financially protecting yourself if something unexpected happens to your home or possessions. That's important because your home is likely one of your largest investments.

• If your home was destroyed by fire or damaged by a natural disaster, you'd need money to repair or replace it.
• If a guest in your home is injured, liability protection and medical coverage help pay expenses.
• If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
• Your lender will require insurance if you are still paying for your home.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to discuss what is covered, and be sure to read your policy so you know exactly what's included and what is not.