Auto insurance policies provide broad umbrellas of protection that shield you from the risks of the road. If you’re shopping for insurance, knowing what coverage is included will help you find the best policy for your needs. Below is an overview of different types of auto insurance and what they cover.

Liability Insurance

If you cause an accident, liability insurance will pay for any medical expenses and property damage incurred by other drivers. In Texas, every driver is required to carry at least $60,000 in personal injury coverage and $25,000 in coverage for property damage. However, auto accidents can be extremely expensive, so your agent may recommend carrying additional coverage.

Collision Coverage

Liability insurance covers the losses to another driver in an accident you cause, but it won’t pay for your damages. Collision coverage fills that gap, compensating you for the cost of repairing or replacing your vehicle if you’re liable for a collision.

Comprehensive Coverage

Your vehicle is also exposed to a variety of risks even when it’s parked. Comprehensive insurance is a policy designed to protect you from extreme weather, fire, theft, and a wide range of other common perils. If a tree falls on your vehicle or your car is stolen, your comprehensive coverage will reimburse you for your losses.

Under and Uninsured Motorist Coverage

Unfortunately, not every driver carries the minimum insurance required by law. If you’re hit by a driver without sufficient coverage, you may have to pay for your losses out of your own pocket.

Underinsured and uninsured motorist coverage minimizes the risk by paying for your damages after an accident with an uninsured driver. If your damages exceed the limits of the other driver’s policy, this coverage will also pay the difference.

Choosing the best auto insurance policy can be complicated, which is why drivers throughout the Stafford, TX, area rely on the agents at JMS Insurance Agency. As an independent agency, they work with a selection of some of the industry’s leading carriers and will take the time to find the ideal policy for your needs. Visit their website for more on their auto insurance services, or call (281) 494-1500 to request a quote.