Auto Insurance

For most families we work with, the answer is no. Texas requires 30/60/25 liability limits as a legal minimum. We see claims regularly that exceed those limits, especially with today's repair and medical costs. When we sit down with a client, we look at what you actually have to lose, your savings, your home equity, your future paychecks, and build limits around protecting that, not just meeting the state requirement.

We walk every client through this based on their specific vehicle. Collision handles accidents with another car or object. Comprehensive covers hail, theft, fire, and flood, and hail season is something we plan around every year here in DFW and across the rest of Texas. If your vehicle is financed, your lender will require both. If it's paid off, we'll run the numbers with you, sometimes the premium for full coverage on an older vehicle costs more over a couple years than the car is worth, and we'll tell you that.

This is one of the first things we check during a policy review, and it's surprising how often it's missing. Texas insurers have to offer uninsured and underinsured motorist coverage, but a prior agent or online quote tool may have had it declined without it being clear what that meant. Given how many uninsured drivers are on Texas roads, this is coverage we make sure every one of our clients understands before deciding to keep or waive it.

There's no single right answer, it depends on your situation, and that's exactly the kind of thing we go through with you. We'll show you the actual premium difference between a lower and a higher deductible option, and you decide what fits your budget and what you'd be comfortable paying if you needed to file a claim next week. Sometimes the savings from a higher deductible are bigger than people expect. Sometimes they're not. We'd rather show you the real numbers than guess.

Yes, and we mean that. Call us first. Not-at-fault accidents generally don't affect your rate, but at-fault claims can impact your premium at renewal. Before anything gets filed, we can help you weigh the repair cost against your deductible and your claims history. Sometimes paying out of pocket for a small repair is the better move long-term, and we'd rather have that conversation with you up front before a claim is already on record.

Only if rental reimbursement is on your policy, and it's not automatic. We add this for clients who would be stuck without a vehicle during repairs after a covered claim. It's a small add-on that's easy to overlook until you actually need a rental and find out it isn't there. If you're not sure whether you have it, that's a quick thing for us to check.

Tell us about it, because standard personal auto policies exclude commercial driving, and rideshare and delivery work falls under that even if it's just occasional. There's a real gap between when your personal coverage stops and the platform's insurance kicks in. We can talk through what coverage options exist so you're not caught in that gap, whether you're driving here in DFW or anywhere else in Texas.

We start with a conversation, not a quote form. The state minimum is a legal floor, nothing more. We look at your vehicles, whether they're financed, who's driving them, how many miles you put on each year, and what you could realistically absorb out of pocket if something went wrong. Two households with the same make and model car can end up with very different coverage from us, because their situations are different. That's the point.

Texas is an at-fault state, and fault is rarely split cleanly. Texas uses a modified comparative negligence rule, so if you're found partially at fault, the amount you can recover from the other driver's insurer can be reduced by that percentage. If you're found more than 50% at fault, you may not be able to recover anything from the other side. This is general information, not advice about your specific accident, but it's exactly why we tell clients to call us before talking to any insurer's adjuster. How an accident gets described early on matters a lot.