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 comprehensive and collision 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. Even a claim that ends up paying nothing can still be part of your claims history, learn more in our article on the hidden cost of a $0 insurance claim.

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 rideshare and delivery activity can affect how a personal auto policy responds, even if it's just occasional. How your coverage holds up depends on the specific policy, the activity, any endorsements in place, and the circumstances of a claim, so it's not a one-size-fits-all answer. We cover this in more detail in our guide on commercial auto insurance in Texas, which walks through when personal use ends and business use begins. We can talk through what coverage options exist so you're not caught off guard, 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.

Medical Payments coverage, often called MedPay, may help pay certain medical expenses for you and your passengers after a covered auto accident, subject to the policy's terms and limits. It is different from liability coverage, which generally addresses injuries or property damage you are legally responsible for causing to others.

Bodily injury liability can help address injury-related costs you are legally responsible for after a covered accident. Property damage liability can help address damage you are legally responsible for causing to someone else's vehicle or other property. Coverage is subject to the limits, terms and conditions of your policy.

"Full coverage" is commonly used to describe an Auto policy that includes liability coverage along with comprehensive and collision, but it is not a standardized coverage term and does not mean every loss or situation is covered. Limits, deductibles, optional coverages, exclusions and policy provisions still matter.