Full coverage insurance is a phrase often used and frequently misunderstood. Allied Insurance Agency wants our Amarillo, TX insurance clients armed with accurate information. So let’s break down some key coverages in simple terms.
We know the primary three. Liability covers another driver’s damages if you are at fault. Collision pays for repairs to your vehicle because of an accident. Comprehensive covers non-collision repairs. Things like damage from fires, hail, wind, theft, and vandalism are comprehensive. This is often called full coverage. However, it doesn’t cover everything. Be sure to review your policy details to know what’s excluded.
Other Auto Coverages:
Texas requires insurers to offer PIP and Uninsured/Underinsured coverage. You must decline these coverages in writing. Others may or may not be offered, but are worth considering. Nobody plans an accident, and they rarely come at an opportune time. Insurance helps you weather the unexpected.
MedPay: Covers medical bills for the driver and passengers for a covered accident. Also covers you if injured as a passenger, pedestrian, or cyclist.
PIP: Like MedPay, but also pays for lost wages and related costs.
Uninsured/Underinsured: Covers the bill if you are hit by someone with insufficient coverage to pay for repairs and medical expenses.
Towing/Roadside: Covers the cost of towing, gas and oil delivery, tire changes, and dead battery service roadside.
Rental Reimbursement: This covers the cost of a rental while your car is being repaired for a covered accident. Some policies may allow ride-share services.
Get The Right Insurance Coverage For Your Vehicle Today
Whether you are looking for new insurance in Amarillo, TX, or wish to review your current policy, Allied Insurance Agency is here to help. Our friendly staff is ready to answer all your questions so you feel confident in your insurance choices.