Frequently Asked Questions

Q: Is Auto insurance mandatory ? 

A: Yes! In Texas, drivers must carry a minimum amount of auto liability insurance to protect themselves if they are found to be at fault in an accident. Texas state minimums are $30,000 for Bodily Injury Liability (or BI) per individual and $60,000 per accident as well as $25,000 for Property.

Q: What factors can affect the cost of my automobile insurance?

A: Factors that may affect your Auto insurance are; The type of car you drive, the purpose the car serves, your driving record, where the car is garaged and even your marital status can affect your cost of insurance. 

Q: What is the difference between collision physical damage coverage and comprehensive physical damage coverage?

A: Collision is defined as losses you incur when your automobile collides with another car or object, and Comprehensive provides coverage for most other direct physical damage losses you could incur such as theft, fire, hail etc.

Q: Will my red car make my insurance bills more expensive?

A: No !This is a myth. Driving a red-colored vehicle does not make your insurance premiums more expensive than other colored vehicles.

Q: Will my auto insurance pay to have my stolen car replaced?

A: This depends entirely on the insurance coverage you have. Comprehensive coverage will protect you in this type of event.

Q: What is an SR-22?

A: An SR-22 is often considered insurance, but it technically isn’t. It’s a certificate from your insurer showing that you have insurance coverage. An SR-22 may be ordered by a judge if you have a less-than-perfect driving record.