Dallas, Texas Auto Insurance
The value of good auto insurance often doesn't become apparent
until you really need it. Whether it's a minor fender bender or a more
substantial accident, it pays to have insurance coverage you can
count on.
Let an experienced Dallas, TX area auto insurance specialists
explain the different Liability limits, Comprehensive, Collision,
Personal Injury Protection, Uninsured Motorist, Medical coverages,
and deductibles that are available for you to choose from.
Learn more about Dallas, TX area Auto Insurance
policy coverage options below!
Click on the link below to fill out a secure quote request form for a
Dallas, TX area Auto Insurance policy that will provide
comprehensive car and truck insurance coverage at an affordable
cost. An insurance agent in the Dallas area will contact you.
This coverage comes into play when an at-fault driver has auto or motorcycle
liability insurance, but the limit of insurance is inadequate to pay for your
damages.
Underinsured Motorist Bodily Injury Coverage
This type of auto insurance coverage pays for your medical expenses, lost
wages, and other damages when you or your passengers are injured in an
accident caused by a driver who has insufficient auto or motorcycle insurance
coverage. The auto insurance coverage typically pays the difference between
the coverage limit you select and the other driver's bodily injury coverage limit.
This is not a required auto insurance coverage in Texas.
Underinsured Motorist Property Damage Coverage
Protects you if your auto is damaged in an accident caused by a driver who
has insufficient auto insurance coverage. This coverage pays the difference
between the coverage limit you select and the other driver's property
damage coverage limit. This is not a required coverage in Texas.
Dallas, TX Area Auto Insurance Policy FAQ
Click on the link below to fill out a secure quote request form for a Dallas, TX
area Auto Insurance policy that will provide comprehensive car and truck
insurance coverage at an affordable cost. An insurance agent in the Dallas
area will contact you.
Covers damage caused to the insured's auto (your automobile) from
risks such as theft, fire, falling objects, earthquake, flood, missiles,
explosion, riot and civil unrest. The deductible is the amount you
choose to pay upfront (if any) before the auto insurance policy pays.
The higher the deductible chosen the lower the comprehensive
coverage cost within the Dallas, TX area auto insurance policy.
Covers damage caused to the owners auto from a collision caused
by another auto or other object. The deductible is the amount you
choose to pay upfront (if any) before the auto insurance policy pays.
The higher the deductible chosen the lower the collision coverage
cost within the Dallas, TX area car insurance policy.
Dallas, TX Area Auto Insurance Policy FAQ
Dallas, TX Area Auto Insurance Policy FAQ
Dallas, TX Area Auto Insurance Policy FAQ
Bodily Injury Liability
Injuries that you (insured) cause to someone else is covered under this part of an
auto insurance policy. The minimum liability insurance coverage available for
purchase in Texas is 20/40 and is explained in detail below. However, we
recommend that you choose liability insurance coverage amounts that are much
higher than the minimums listed below.
Texas Liability Coverage limits explanation:
20/40/15 20=$20,000 - 40=$40,000 - 15=$15,000
First number = bodily injury liability maximum for one person injured in an accident.
Second number = bodily injury liability maximum for all injuries in one accident.
Third number = property damage liability maximum for one accident.
Property Damage Liability
Damage caused by the insured (you) to someone else's property, such as a
motorcycle, car, truck, fence, or house, is covered through property damage auto
insurance coverage. This coverage also assists in protecting you if a lawsuit arises
from an accident. The minimum coverage amount in Texas is $15,000.
Benefits Provided Include:
Pays 80% of all reasonable expenses for necessary medical, surgical, x-ray,
dental and rehabilitative services, including prosthetic devices, wheelchairs,
crutches, slings, neck braces and splints (including necessary travel related
to medical care.)
Necessary remedial treatment (nursing home care or home nursing care).

Pays 60% of gross income loss caused by inability to work because of an
injury suffered in an accident.

$5,000 death benefit
Dallas, TX Area Auto Insurance Policy FAQ
Dallas, TX Area Auto Insurance Policy FAQ
Texas does not require "No Fault" insurance coverage. This coverage pays
medical bills for injuries suffered in an auto accident regardless of who caused
the accident.
Medical payments coverage pays for the medical and funeral expenses for you
or others hurt or killed in an accident while riding in or driving your car or truck.
Claims against this coverage include all reasonable hospital, surgical,
chiropractor, X-ray, dental, professional nursing, prosthetic, and funeral
expenses. It will also cover you or members of your family if you are hit by a
car when you are walking or if you are riding in another car or truck. This
coverage will pay for your medical and funeral expenses even if you cause the
accident. The coverage is often limited to medical care you get in the first one,
two, or three years after the accident and is limited to a specific dollar amount.
This is not a required Auto Insurance coverage in Texas.
Dallas, TX Area Auto Insurance Policy FAQ
20/40 20=$20,000 - 40=$40,000
First number = uninsured motorist maximum for one person injured
in an accident.
Second number = uninsured motorist maximum for all injuries in one
accident.

Example of uninsured motorist limits:
Covers the insured (you) for your bodily injury caused by a hit-and-run driver or
an at-fault driver who has no auto liability insurance. This coverage is not
required for Auto Insurance in Texas.
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Local Dallas, Texas area insurance agents offering affordable auto insurance policies in the
following cities and counties: Ft. Worth, Arlington, Irving, Grand Prairie, Mansfield, Kennedale,
Everman, Forest Hill, Burleson, Crowley, Benbrook, River Oaks, White Settlement, Saginaw,
Lake Worth, Lakeside, Rendon, Bisbee, Pantego, Westover Hills, Azle, Edgecliff, Westworth,
Pelican Bay, Haslet, Blue Mound, Haltom City, Richland Hills, Hurst, Watauga, Keller,
Southlake, Westlake, Beford, Grapevine, Colleyville, North Richland Hills, Euless, Cedar Hill,
Duncanville, De Soto, Lancaster, Cockrell Hill, Wilmer, Glenn Heights, Hutchins, Highland Park,
University Park, Balch Springs, Mesquite, Seagoville, Rowlett, Sachse, Wylie, Richardson,
Farmers Branch, Coppell, Carrollton, Flower Mound, Lewisville, Addison, Corinth, Argyle, Plano,
Allen, Denton, McKinney, The Colony, Frisco, Tarrant County, Dallas County, Denton County,
Wise County, Collin County, Johnson County, and Ellis County, TX.
Insurance Agents in the Dallas, Texas Area
Dallas - Ft. Worth - Arlington - Irving - Grand Prairie - Garland - Mesquite - Plano - Richardson - Carrolton & more
CITY INSURANCE AGENTS
Personal Insurance
Auto Insurance
Having a teenager included on your auto insurance policy will always cost substantially more,
but there are ways to reduce the premium increase.
The best cars for teen drivers are slower, bigger cars with a lot of safety features. Teenager's
are more prone to accidents, especially ones caused by speeding. A disproportionate number
of teenage car accidents involve only one vehicle.
Make sure your teen drives safely. One speeding ticket or fender-bender can send your
teenager's auto insurance rates sky high. Require that they take a drivers education class at
their high school or local DMV.
Good student teen driver insurance rates can save up to 25% on your teenager's auto
insurance if a "B" average is maintained.
Assuming your teen keeps a good driving record, the cost of insuring them will decrease as
they get older.
Auto Insurance endorsements are policy extras for services such as towing insurance,
auto glass insurance, daily rental insurance, and emergency roadside insurance.
These auto insurance policies are not required by any state, but many drivers choose
these services for the added security and convenience they provide.
Rental Car Insurance
Covers the cost of a rental car while your insured car is being repaired because of a
covered event.
Emergency Roadside Insurance
Covers repairs done at the location of your automobile problem (roadside). This policy is
often combined with auto towing coverage and called Roadside Emergency Towing
Insurance. Changing a flat tire on the roadside may also be covered, but you will need to
pay for repairs received at the garage or other repair location.
Auto Glass Insurance
Offers a lower deductible or no deductible for when repairing any broken window on your
car is required.
Auto Towing Insurance
Covers costs involved for towing your car anytime you need it.
What information is listed in the actual auto insurance policy that you are given by the
insurance agent? Learn about the different important sections in every auto insurance policy
below.
Declarations
Usually listed first in your auto insurance policy and unlike the remainder of your policy, it
will have been prepared especially for you. It will list the specific auto insurance coverages
and amounts that you've chosen.
year, make,and model of your car
VIN - vehicle identification number
date the policy is effective
policy's coverage types and limits
policy's cost - premium
name of the insured (you or you and your spouse)
Insuring Agreement
Lists exactly what the insurance company promises to provide in return for the payment
of your auto insurance premium. The type and amounts of each coverage you've
purchased is described in detail and also outlines exactly who is covered under each
provision.
Exclusions
The insurance policy exclusions section is a list of all possible circumstances that would
free the insurance company from the responsibility of paying a claim.
Example: most auto insurance contain an exclusion that exempts the
insurance company from having to pay in the case of intentionally caused
damage or injury.
Conditions
Lists the duties and responsibilities of the insured (You) in the event of a claim situation.
Will include guidelines for contacting the insurance company, obtaining a police report,
and filing a claim. Information on auto insurance policy cancellation will be outlined here,
too.
Click on the link below to fill out a secure quote request form for a Dallas, TX area Auto
Insurance policy that will provide comprehensive car and truck insurance coverage at an
affordable cost. An insurance agent in the Dallas area will contact you.
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Truong Insurance
2341 South Collins Street
Arlington, TX (817) 226-3510
Dallas, TX Area Insurance Agents
Jacob Jones Agency
1600 Airport Freeway, Suite 304
Bedford, TX (817) 391-0221