|
Type
of Coverage
|
Pays
For
|
Covers
|
Required?
|
|
Liability
(Bodily Injury & Property Damage)
|
Other people's
medical expenses and auto repairs, attorney fees, and $250
bail in an accident you are charged with
|
You, your family, and others
driving with your permission
|
By state law
|
|
Uninsured/
Under-insured Motorist
|
Medical and funeral expenses,
car repairs, car rental and replacement of damaged contents
if you are in an accident and the other party doesn't have
insurance (25% of the drivers in Texas don't have insurance)
|
You, your family, and your
passengers
|
No, but company must offer
|
|
Medical
payments
|
Medical and funeral expenses
(co-pays, deductibles...)
|
You, your family, and your
passengers
|
No
|
|
Personal
Injury Protection (PIP)
|
Medical and funeral expenses,
lost wages, homemaker/ caregiver services
|
You, your family, and your
passengers
|
No, but company must offer
|
|
Collision
|
Car repair or replacement
after an accident
|
Your car, regardless of
driver
|
By lenders
|
|
Comprehensive
(Physical Damage other than Collision)
|
Car repair or replacement
after fire, hailstorm, theft, or other non-collision event;
rental car after theft
|
Your car
|
By lenders
|
|
Towing & Labor
|
Towing and labor charges
when your car is disabled
|
Your car
|
No
|
|
Rental
Reimbursement
|
A rental car if your auto
is undergoing repair for covered damage
|
You and your family members
|
No
|
