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Auto Insurance

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Auto Insurance Deer Park, TX

Auto insurance is a contract between you and the insurance company to protect you against financial loss. Auto insurance provides coverage for property damage, theft and liability.

David Rush is dedicated to finding you the best rate and coverage to fit your needs.  We have a large network of carriers that we work directly with to give you the best discounted rates.

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Auto Insurance 101

Auto insurance is a contract between the policyholder and the insurance company. The policyholder agrees to pay the premium and the insurance company agrees to pay losses as defined in the policy.

Auto insurance provides property damage, liability, and can include medical coverage:

  • Property damage pays for damage to, or theft of, your vehicle.

  • Liability coverage pays for the policyholder’s legal responsibility to others for bodily injury or property damage.

  • Medical coverage pays for the cost of treating injuries, rehabilitation and funeral expenses.

Most states require drivers to have auto liability insurance in order to legally drive a car. Liability insurance pays the other driver’s medical, vehicle repair and other costs when the policyholder is at fault in an auto accident. All states have laws that set the minimum amounts of insurance that drivers are required to have. Most auto policies are for six or twelve months. A basic auto insurance policy is comprised of six different kinds of coverage, each of which is priced separately (see below).

  • Bodily Injury Liability
    This coverage applies to injuries that the policyholder and family members listed on the policy cause to someone else. These individuals are also covered when driving other peoples’ cars with permission. As motorists in serious accidents may be sued for large amounts, drivers can opt to buy more than the state-required minimum to protect personal assets such as homes and savings.
  • Medical Payments or Personal Injury Protection (PIP)
    This coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.
  • Property Damage Liabilty
    This coverage pays for damage policyholders (or someone driving the car with their permission) may cause to someone else’s property. Usually, this means damage to someone else’s car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures hit in an accident.
  • Collision
    This coverage pays for damage to the policyholder’s car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000—the higher the deductible, the lower the premium. Even if policyholders are at fault for an accident, collision coverage will reimburse them for the costs of repairing the car, minus the deductible. If the policyholder is not at fault, the insurance company may try to recover the amount it paid from the other driver’s insurance company. If the company is successful, policyholders will also be reimbursed for the deductible.
  • Comprehensive
    This coverage reimburses for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosions, earthquakes, windstorms, hail, flood, vandalism and riots, or contact with animals such as birds or deer. Comprehensive insurance is usually sold with a $100 to $300 deductible, though policyholders may opt for a higher deductible as a way of lowering their premium. Comprehensive insurance may also reimburse the policyholder if a windshield is cracked or shattered. Some companies offer separate glass coverage with or without a deductible. States do not require the purchase of collision or comprehensive coverage, but lenders may insist borrowers carry it until a car loan is paid off.
  • Uninsured and Underinsured Motorist Coverage
    Uninsured motorist coverage will reimburse the policyholder, a member of the family or a designated driver if one of them is hit by an uninsured or a hit-and-run driver. Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for the other driver’s total loss. This coverage will also protect a policyholder who is hit while a pedestrian.

Don’t just stop at auto insurance, bundle auto and home insurance today and save even more. 

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