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San Antonio, Texas Auto Insurance
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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. |
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Let one of our experienced San Antonio, 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. |
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Learn more about San Antonio, TX area Auto Insurance
policy coverage options below! |
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Click on the link below to fill out a secure quote request form for a
San Antonio, TX area Auto Insurance policy that will provide comprehensive car and truck insurance coverage at an affordable cost. An insurance agent in the San Antonio, Texas area will contact you. |
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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. |
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Underinsured Motorist Bodily Injury Coverage
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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. |
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Underinsured Motorist Property Damage Coverage
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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. |
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San Antonio, TX Area Auto Insurance Policy FAQ
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Click on the link below to fill out a secure quote request form for a San Antonio, TX
area Auto Insurance policy that will provide comprehensive car and truck insurance coverage at an affordable cost. An insurance agent in the San Antonio area will contact you. |
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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 San Antonio, TX area auto insurance policy. |
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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 San Antonio, TX area car insurance policy. |
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San Antonio, TX Area Auto Insurance Policy FAQ
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San Antonio, TX Area Auto Insurance Policy FAQ
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San Antonio, TX Area Auto Insurance Policy FAQ
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Bodily Injury Liability
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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. |
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Texas Liability Coverage limits explanation:
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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.
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Property Damage Liability
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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. |
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Benefits Provided Include:
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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.) |
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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
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San Antonio, TX Area Auto Insurance Policy FAQ
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San Antonio, TX Area Auto Insurance Policy FAQ
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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. |
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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. |
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San Antonio, TX Area Auto Insurance Policy FAQ
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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.
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Example of uninsured motorist limits:
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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 San Antonio, TX area insurance agents offering affordable Texas auto
insurance policies in the following cities and counties: Universal City, Windcrest, Leon Valley, Alamo Heights, Balcones Heights, Terrell Hills, Kirby, Converse, Schertz, Live Oak, China Grove, Castle Hills, Hollywood Park, Shavano Park, Hill Country Village, Sayers, Palm Park, Southton, Von Ormy, Meadowood Arces, Macdona, Cool Crest, Hilltop Acres, North San Antonio Hills, Grey Forest, Garden Ridge, Cibolo, Selma, Bracken, New Braunfels, San Marcos, Seguin, Helotes, Bulverde, Boerne, Leon Springs, Pipe Creek, Mico, Lakehills, Castroville, Dunlay, Elmendorf, Saspamco, St. Hedwig, La Vernia, New Berlin, McQueeney, Floresville, Natalia, Devine, Leming, Rossville, Somerset, Comal County, Guadalupe County, Medina County, Wilson County, Kendall County, Atascosa County, and Bexar County, TX. |
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Personal Insurance
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San Antonio, Texas Area Auto Insurance
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San Antonio - Kirby - Converse - Alamo Heights - Windcrest - Live Oak - Universal City - Schertz & more
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CITY INSURANCE AGENTS
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San Antonio, TX Agents
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Ralph Perez Agency
(210) 670-9191
1424 S. Ellison Dr., Suite 400
San Antonio, Texas 78245
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