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Auto Insurance in Center, Texas

If you’re in an accident with another driver, you could be responsible for costly medical bills and car repairs. Auto insurance can help provide financial protection if you’re in an accident. Contact Shoop Insurance in Center, Texas, to learn more about auto insurance coverage.

What Is Auto Insurance?

Auto insurance, also called car insurance, can help pay for bills arising from car accidents and vehicular damage. It’s a binding contract between you and your auto insurer in which they agree to pay for covered losses, up to your policy limits, in exchange for your premium payments.

How Does Auto Insurance Work?

If your vehicle is damaged or you’re in an accident, you can file a claim with your insurance company to receive your contractual policy benefits. Typically, your insurance company will ask you to provide evidence of any damages, including videos, photos and relevant police reports. Once your insurance company has reviewed your information, they will approve or deny your claim per your policy terms.

Certain car insurance policies may have a deductible, which you’ll have to pay before your insurance coverage kicks in. Your deductible payment may be adjustable. Speak with your insurance agent for more information.

Is Auto Insurance Mandatory?

Drivers are required to carry auto insurance in most states. The following are examples of commonly required auto insurance coverages:

  • Bodily injury liability can help cover costs (e.g., legal fees, lost wages) if you’re held legally responsible for causing physical injuries or deaths to third parties while driving.
  • Property damage liability can help pay for property damage you cause to third parties behind the wheel.

Auto insurance requirements vary among states. You may only need to purchase bodily injury and property damage coverage to meet your state’s requirements, but if you’re in a car accident, liability coverage alone may not be enough to protect you from financial losses.

The following are additional auto insurance coverages to consider:

  • Medical coverage (MedPay) can help pay medical bills if you and your passengers are injured during a car accident.
  • Collision coverage can help pay for damage to your vehicle if you’re in a collision with another vehicle or an object (e.g., guard rail, fence post), regardless of fault.
  • Uninsured/underinsured motorist coverage can help fill coverage gaps if you’re in an accident with another driver with insufficient car insurance or no insurance.
  • Gap coverage can help with auto loan payments if a vehicle you’re leasing or renting is stolen or destroyed.
  • Comprehensive coverage can help pay for repairs or replacements if your vehicle is damaged or destroyed due to covered noncollisions (e.g., theft, fire).

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.