Company Coverages (Fred Loya)

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Last updated 1:52 AM on 9/8/26
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13 Terms

1
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Liability

Is the minimum coverage the state of Texas requires you to have in order to drive your vehicle.

It covers in case of a car accident, that is your fault.

You have coverage for the other vehicle.

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Liability for 1 person

If one person is hurt in the other vehicle, we will pay up to $30,000 in medical bills

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Liability for +1 person

If more than one person is hurt in the other vehicle, we will pay up to $60,000 in all medical bills combined

4
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Liability Damaged Property

We will pay up to $25,000 for any property you may damage. For ex. the other vehicle, a house, a fence or anything that’s not your property

5
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Uninsured Motorist (UM)

Covers in case of a car accident that is NOT your fault, and the other person DOES NOT have insurance.

You have coverage for your passengers and your vehicle.

6
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Uninsured Motorist for 1 person

If one person is hurt in your vehicle, we will pay up to $30,000 in medical bills

7
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Uninsured Motorist for +1 person

If more than one person is hurt in your vehicle, we will pay up to $60,000 in all medical bills combined

8
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Uninsured Motorist Damaged Property

We will pay up to $25,000 for any damage done to your vehicle. You pay the first $250 in damages. This deductible is always $250, cannot change by Texas law.

9
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Personal Injury Protection (PIP)

Covers in case of a car accident no matter who is at fault.

We will pay up to $2,500 in medical bills for each person hurt in your vehicle.

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Comprehensive (COMP, OTC, or other than collision)

Covers damage done to your vehicle from fire, theft, vandalism, sand damage, hail damage, or flood damage.

Your pay the first $3,500 in damages.

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Collision (COLL)

Covers damage done to your vehicle when you run into someone, or vice versa.

You pay the first $3,500 in damages.

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Towing

Covers in case of a loss, up to $41 per occurrence for your Liability vehicles.

Covers in case of a loss, up to $100 per occurrence for your Comprehensive & Collision vehicles

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Rental

Covers in case of a loss, $40 a day for up to 30 days.