Auto Insurance Information
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Driving in Texas, especially around Houston, is often dangerous, even for the safest drivers. Still, if you have car insurance, you’ll protect yourself and your vehicle whether you are in your driveway, on the Katy Expressway or anywhere else.
Come to Reliable Insurance Managers, Inc., and we’ll ensure you get personalized auto coverage today.
Why Carry Car Insurance?
Cars cost money, and millions of dollars in property value travel up and down Texas roadways every day. Accidents, therefore, could lead to significant economic losses for those involved.
Your auto insurance will help pay for your personal losses and the losses you cause others following a variety of vehicle mishaps. Therefore, you won’t have to dig into your own pockets just to afford the cost of recovery. That’s a major benefit to your security and well being.
A Diversity of Auto Insurance Options
Reliable Insurance Managers proudly offers insurance options for multiple types of vehicles, including:
If you want to drive it, you need to insure it. Let us be your advocates in getting the right coverage.
Do I have to buy coverage?
Insurance laws designates Texas as an at-fault insurance state. If you cause a car wreck, property damage or injuries to third parties while behind the wheel, then you will have to pay for their losses.
As a result of the at-fault rules, Texas requires almost all registered vehicles registered in the state to have auto liability insurance. Your policy must contain at least the following limits:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
What Liability Car Insurance Covers
With the bodily injury liability coverage on your policy, you can compensate another driver, their passengers or even pedestrians for their medical costs and related expenses. The minimum policy limits will provide up to $30,000 if the accident injures only one person, and up to $60,000 if more than one person gets injured.
Property damage liability coverage will pay for the damage you cause to a third party’s property. For example, if you hit someone else’s car, this coverage will pay for their repairs. Coverage can also pay for damage to structures you hit as well.
Both property damage and bodily injury liability coverage can also provide legal assistance for you if those affected by your actions sue you.
Other Policy Options
Beyond the state-mandated liability insurance, you can add many other benefits to your car insurance.
Every driver should carry more liability coverage than the minimum required policy limits.
For example, if you have $250,000 in bodily injury coverage, you’ll have a lot more help available in case you cause someone else significant injury costs. You’ll have less of a chance of personal hardships as you try to make up for the loss you caused.
- Personal injury protection (PIP insurance)
PIP insurance will help you cover your own medical bills, injury costs and lost income regardless of who is at-fault for a wreck. All Texas policies offer the option for you to buy this coverage.
This coverage will pay to help you repair or replace the vehicle after a wreck. If the car is totaled, policies will pay either your car’s actual cash value at the time of the wreck, or the full replacement cost value.
Vehicle damage not related to collisions will have coverage on this policy component. Policies might pay for vehicle damage or total losses resulting from:
- Uninsured/underinsured motorist protection
Another driver might lack enough liability insurance to pay for the total cost of your own damage. Underinsured motorist coverage can pay the remaining costs after that person’s policy pays to its limits.
If the other driver doesn’t have liability coverage at all, then uninsured motorist protection can help you pay for the total cost of your claim. A good example of when to use uninsured coverage is if you become the victim of a hit-and-run. You will have no assistance from the fleeing driver’s liability insurance.
Don’t forget to also ask our agents about other policy options like roadside assistance, diminishing deductibles or glass insurance. These policies can ensure you receive ample financial assistance from your policy, even for seemingly-nominal costs.
Specialty Vehicle Insurance Options
We can also provide a variety of unique coverage elements for specialty vehicles, including:
Commercial auto insurance:
- Motor truck cargo insurance
- RV full-timer insurance
- Emergency expenses coverage
- Campsite liability insurance
- Personal effects coverage
Classic car insurance:
- Original replacement parts insurance
- Guaranteed coverage for classic car real values
Car Insurance FAQs
How much car insurance do you really need?
One rule of thumb is the more coverage you carry, the more help you’ll have if you have to make a claim on your policy. We recommend you increase your coverage to a level that will protect your solvency.
What is full coverage and what does it actually cover?
Full coverage is the amount of protection that minimizes your personal financial losses if you make a claim on your car insurance. By adding collision, comprehensive, uninsured/underinsured coverage and more policy options, you can obtain more help for a wider variety of losses. Read More
What is the cheapest car insurance?
Our agents can help you determine the right way to balance your coverage so that you’ll always pay an affordable premium for your auto policies. We can even help you qualify for a variety of discounts and other savings opportunities.
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Auto Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.