Common Texas Auto Insurance Questions | Answers on the Auto Policy

Coverage AA/BB (Liability Bodily Injury and Property Damage)

Q: Does my liability apply when another person drives my car?
Q: Does my liability cover me when I rent a car?
Q: If I drive someone else's car, does my liability coverage cover their car and the damage I cause?
Q: Are my passengers covered if I am negligent?
Q: How much coverage do I need with all the lawsuits?

Coverage CC & VA (Medical Payments and Personal Injury Protection)

Q: Which one or how much of both should I have?
Q: Does PIP protection of $2,500 mean I can collect $2,500 regardless of the amount of my bills?
Q: Do I need either of these at all?

Coverage SS & SU (Uninsured/Underinsured Motorist Protection)

Q: Why can't I collect if I was partially at-fault and the other party had no insurance?
Q: Do I need UM property damage if I have collision?
Q: Does a UM claim affect my rate?
Q: Do I need this coverage?

Coverage DD & HH (Collision and Comprehensive/Other than Collision)

Q: Do I get a rental vehicle until you settle my claim?
Q: If I hit a pothole and it does damage, is that covered?
Q: When should I consider dropping these coverages?
Q: How does ACV work? Why are engine, radio, tires, etc depreciated?
Q: Why can't I have replacement value protection?
Q: Why don't the rates go down as my car becomes older and is worth less?