We at the James Bostick Agency believe in giving you, your family and your vehicles the best protection possible from auto accidents and other drivers. The companies we represent offer a wide range of coverage options and plans that can meet your budget and still keep you covered. We’ll help you get the lowest rate available!
Here are some of the auto insurance services we can help you with:
Liability. Bodily Injury and Property Damage Liability covers your legal liability if you have an accident that injures another person or damages someone else’s car or property. Most states, including Texas, require that all drivers carry liability insurance – it’s illegal to drive without it. The Texas liability limits are 25/50/25, which means that you must carry insurance of$25,000 of coverage for each injured person, up to a total of $50,000 per accident and $25,000 for property damage. On January 1, 2011, the Texas liability limits are set to increase to 30/60/25. Liability insurance does NOT pay to repair your vehicle or for your personal medical expenses.
Collision (Physical Damage). With collision coverage, your insurance company will pay for damage to your car when you hit or collide with another car or other object (not a person). If you have comprehensive coverage, your insurance company pays for any loss to your vehicle besides a collision – including fire or theft. Most lien holders require comprehensive coverage, so if you have an auto loan in place, then you will need to look into comprehensive coverage.
Medical Payments/Personal Injury Protection (PIP). Good med-pay or PIP coverage will pay for medical bills and even lost wages if you’re inured in an auto accident. PIP also covers the medical expenses of your passengers. Different options are available – some limits may include treatments needed within a specific time frame after the accident.
Uninsured/Underinsured Motorist. If you are hit by a person who does not have liability insurance, the Uninsured Motorist coverage pays for your injuries and damages that are caused but the driver at fault. Under-insured Motorist coverage will cover your expenses if the other driver does not carry enough insurance to provide for the injuries or damaged sustained in the accident.
Do you know about Accident Forgiveness? In many states, including Texas, drivers with no at-fault accidents in the previous five years can qualify for Accident Forgiveness, which means that the carrier will not penalize you with a surcharge for your accident.