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Auto Insurance in Center, Texas

Auto insurance is a crucial form of protection that can help cover the financial losses associated with car accidents or other incidents involving your vehicle. In Texas, drivers are required to show proof of their ability to pay for the accidents they cause, usually through purchasing auto liability insurance. However, other types of coverage options can provide additional financial protection.

Contact Shoop Insurance today to get a personalized car insurance quote.

What is Car Insurance

Car insurance is a contract between a policyholder and an insurer designed to provide financial protection in case of an accident or other covered event.

How Does Car Insurance Work?

The policyholder pays a premium, and in exchange, the insurance company agrees to pay for damages, injuries or losses resulting from a covered event up to the policy’s limits and according to the policy documents.

Car insurance policies can vary widely in terms of coverage and cost, so it’s essential to understand your needs. Work with an experienced agent to learn about your options before selecting coverages.

What Does Car Insurance Cover?

Your agent may recommend that you maintain the following car insurance coverages:

  • Liability coverage is mandatory in Texas. It may help pay to repair the other driver’s car if you caused the accident. It may also help cover the other driver’s and passengers’ medical bills and other expenses.
  • Collision coverage may help pay to repair or replace your car after an accident.
  • Comprehensive (other than collision) insurance may help provide coverage if the covered car is stolen or damaged by something other than a collision.
  • Medical payments (MedPay) coverage is designed to help pay your and your passenger’s medical bills.
  • Personal injury protection (PIP) coverage may help pay for lost wages and other nonmedical costs. Both coverages are optional in Texas.
  • Uninsured/underinsured motorist coverage may help cover your losses if you’re hit by someone who didn’t have insurance or didn’t have enough to cover their legal liability. It may also help cover your accident-related damages after a hit-and-run accident. Insurance companies must offer you this coverage, but you must tell the company in writing if you don’t want it.
  • Towing and labor coverage may help pay to tow your car if it can’t be driven and labor to change a flat tire or jump-start your battery.
  • Rental reimbursement coverage may help pay for you to rent a car after a covered accident or incident, with some policies also paying for taxis or ride-hailing services.

How to Get Auto Insurance

Shoop Insurance Agency LLC is committed to helping you find a policy to fit your specific needs. Reach out to us today to start the conversation or to get a quote.