Questions about your Auto Insurance?
You’ve come to the right place!
We Offer a Wide Range of Coverage’s and Discounts
From our office in Fort Worth, Texas, we begin by offering you auto insurance quotes from multiple companies with excellent track records. We offer discounts and price advantages tailored to reflect your individual needs providing you auto insurance that’s priced to meet your budget as well as the auto insurance protection you deserve. We offer a wide range of coverage’s and discounts. Increased discounts are available when you combine your auto insurance and homeowners insurance. The better we know you, the more we can do for you, so give us a call today or submit your information online and we will work hard to earn you as an auto insurance customer.
The better we know you, the more we can do for you, so give us a call today or submit your information online and we will work hard to earn you as an auto insurance customer.
Automobile Insurance Made Easy
Below is a brief guide to make it easier for you to understand the coverages, deductibles and limits and how they can work for you.
In most states, liability coverage is mandatory. All other coverages are optional. If your car is leased or financed, you may be required to buy certain coverage limits. Talk through your insurance needs with one of our agents to be certain you have the coverages you need.
Bodily Injury and Property Damage (BI/PD) liability covers your legal liability, up to the limits you select, for damages caused in a covered vehicle accident. If we cover an accident for which you’re sued, we pay for a lawyer to defend you.
You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000/$300,000 means that we will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, we pay up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident ($300,000).
Uninsured/Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.
Personal Injury Protection
Personal Injury Protection (PIP) is available in certain states and is commonly referred to as “no-fault insurance.” PIP covers your medical bills and often lost wages. PIP usually also covers the cost of personal services you must pay someone else to do for you as a result of a car accident.
Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as a result of a car accident.
Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen. Comprehensive coverage is also subject to a deductible amount — usually the same amount you choose for Collision coverage.
Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object.
Collision coverage is subject to a deductible amount that you choose. The most frequently selected deductible amount is $500. Select a deductible amount that you are comfortable with — if there is a Collision claim on your policy, this will be the amount you’ll generally be required to pay.
If you buy Rental Reimbursement coverage, we will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident. You can only buy Rental Reimbursement coverage if you buy Collision and Comprehensive.
Roadside Assistance covers labor costs incurred at the place where your vehicle becomes disabled as a result of a mechanical/electrical breakdown, dead battery, flat tire, and/or lock-out. We will also help if you run out of gas. Limits apply.
Contact James Today
Contact us today and see why so many people just like you prefer working with an independent insurance agent.
Compare Insurance Quotes
Independent Insurance Agents can compare quotes from multiple insurance companies to find you the best deal and coverage.