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Auto Insurance FAQ
Do I have SUFFICIENT COVERAGE?
Texas law requires Liability Insurance for individuals who drive in Texas. Liability insurance will only pay to repair or replace the other individual’s vehicle(s), damaged property or medical expenses when you are found at fault BUT only up to the policy limits of your policy.
Consider purchasing additional coverage to protect your vehicle and your medical expenses.
What is Comprehensive Coverage?
Comprehensive Coverage offers coverage for damage to your vehicle when you’re involved in an accident that is not caused by collision such as flood, vandalism, theft, hail or hitting of an animal.
*Coverage is subject to carriers underwriting guidelines and deductible.
What is collision coverage?
Collision Coverage offers coverage to repair or replace your car after an accident. This coverage is usually covered at Actual Cash Value of your vehicle.
*Coverage is subject to carriers underwriting guidelines and deductibles.
What is un-insured/under-insured coverage?
Un-insured/Under-insured Coverage can offer coverage in the event an accident is caused by an uninsured or underinsured driver. This coverage can offer coverage for both property damage and bodily injury.
*Coverage is subject to carriers underwriting guidelines and deductibles.
What is personal injury protection coverage?
Personal Injury Protection can offer coverage for medical expenses and funeral bills resulting from accidents. It can include you and other members in the vehicle.
*Coverage is subject to carriers underwriting guidelines
What is medical payments coverage?
Medical Payments can offer coverage for medical expenses and funeral bills resulting from accidents. It can include you and other members in the vehicle.
*Coverage is subject to carriers underwriting guidelines
Packaging your insurance for the Greatest Savings
Many of our companies offer package discounts for multiple lines of insurance. Let our agents shop all of your insurance to offer the savings. Remember we work for YOU, Not the Insurance Carriers. We want to offer you the best rate possible!
Discounts on your Insurance
Carriers offer different discounts on your auto insurance. Here at Crain Insurance Group, we review all of the available discounts to help lower your rate. The following discount may be available, depending on carrier.