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Auto insurance helps you to protect you, your family and your assets against financial loss in the event of an accident or other cause of loss. It covers the injuries and damages caused by an accident and for which you are legally responsible. It may also cover the costs of repairing or replacing your vehicle if it is damaged or stolen.

How much auto insurance coverage should I purchase?

The required minimum coverage may not be enough to pay for all the damages that result from an accident, and the legally responsible driver will have to pay the additional expenses out of pocket. Liability coverage is vital and should be discussed personally to determine the best auto insurance coverage for your needs and budget.

Auto Insurance Coverage Terms

Bodily Injury Liability

If an insured person is legally liable for an accident, BI coverage pays for injuries/death to people involved in the accident other than the insured driver. BI also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy

Collision

When your insured vehicle overturns or collides with another object, Collision coverage pays for the damage to your vehicle. Collision coverage also may extend to a non-owned vehicle or one rented for personal use that is in your custody or that you are operating. Certain exclusions may apply. Refer to your policy.

Comprehensive / Other Than Collision

If your insured vehicle is damaged due to an event other than a collision, Comprehensive coverage will pay for the damage. This includes damages from fire, theft, windstorm, flood and vandalism. If your vehicle is stolen, Comprehensive covers transportation and loss of use expenses when applicable.

Deductible

A deductible is the amount you agree to pay out of pocket for damage resulting from a specific loss or accident. Generally, selecting a higher deductible option will lower your premium.

Medical Payments (MedPay)

MedPay is an optional insurance coverage that pays for reasonable and necessary medical and funeral expenses for covered persons. These expenses must be incurred as a result of an auto accident.

Personal Injury Protection (PIP)

PIP is a coverage in which the auto insurance company pays, within the specified limits, the medical, hospital and funeral expenses of the insured person, people in the insured vehicle and pedestrians struck by the insured vehicle. PIP is the basic coverage implemented in no-fault automobile insurance states.

Property Damage Liability

If an insured person is legally liable for an accident, PD coverage pays for damage to others' property resulting from the accident. PD also pays for legal defense costs if you are sued. Certain exclusions may apply. Refer to your policy.

Uninsured/Underinsured Motorists Coverage

If a driver or owner of a vehicle is legally liable for an accident and does not have insurance or does not have enough insurance, you can use UM/UIM coverage for injuries, including death, that you, your resident relatives, and occupants of your insured vehicle sustain, up to the limits you select. Certain exclusions may apply. Refer to your policy.

Uninsured/Underinsured Motorist Property Damage

If driver or owner of a vehicle is legally liable for an accident but does not have insurance or does not have enough insurance, you can use UMPD to cover damage to your insured vehicle, up to the limits you select. In some states, UMPD is available as an alternative to Collision coverage. Certain exclusions may apply. Refer to your policy.

 
Jones Insurance Agency can make a difference for you! 
The solutions you expect with the service you deserve - call us today!
 

 
Jones Insurance Agency
357 N. Jefferson St., La Grange, TX 78945-2216
Office: 1.888.566.3790 or 979.968.5808 - Fax 979.968.5818
 

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