Texas Auto Policy Coverage Definitions

View a copy of the Farmers Texas County Mutual Personal Auto Insurance Policy

View a copy of the Mid Century Insurance Company Personal Auto Insurance Policy

Part A - Liability Coverage

Covers your liability, for Bodily Injuries and Property Damages, to others caused by an automobile accident, for which you are determined to be at fault.

Many people are underinsured today because of the rising costs of vehicles (making it easy to exceed your Property Damage limits) and the high Bodily Injury awards in lawsuits.  I recommend you purchase at least the maximum limits which are $500,000 for each person, $500,000 for each accident, and $100,000 for property damage.  In addition you should purchase an Umbrella Liability Policy to add another $1,000,000 or more of Coverage.  If you think you can't afford it, take a look at one of our Power Deductibles on the Discounts page, and use the savings to purchase the higher limits.  Most of our customers, who choose to rearrange their coverage this way, still save money on their premiums.  Another reason this is a good idea, is your Property Damage Coverage, covers the damage to a Rental Car.  Too low a limit, and you my not have enough Insurance to cover it. Don't get stuck paying the high cost of a Damage Waiver because you carried minimal Liability Limits.

• Need more coverage?  
• Don't have Health Insurance?  

Take a look at our Individual Health Insurance page, where you can get a do-it-yourself comparison quote online instantly!

Download PIP Rejection Form

Part  C - Uninsured & Underinsured Motorists Coverage
Pays for damages you are legally entitled to recover from the owner or operator of an Uninsured or Underinsured motor vehicle, because of bodily injuries sustained or property damage, cause by an accident. The maximum Limit of Liability you can get, cannot be more than the Liability Limit you selected in Part A. The Property Damage portion of this coverage has a $250.00 Deductible.

Download UM Rejection Form

Part D - Other than Collision
This covers repairing or replacing your vehicle in non-accident situations, such as theft and vandalism. Hail, floods, and other "acts of God" are covered, as defined by your policy. The premium for this coverage also varies, depending on the deductible you select.  Also pays $20.00 for the expense of a Rental Car, if your vehicle is stolen, subject to a 48 hour waiting period.