Auto insurance is required to own or operate a vehicle, but the different types can become confusing. At Thompson Insurance Services in Highland Village, TX, we offer auto insurance policies that meet the needs of our clients. 

Liability Coverage 

Liability coverage is required to drive a vehicle. If an accident is declared your fault, liability coverage will cover the other person’s damages. This includes damages to their car and medical expenses due to injuries caused by the accident. 

Collision Coverage 

Collision coverage will cover damage to your vehicle in an accident. Lenders often require it. Even if you don’t have a lien on your car, collision coverage is still a good idea. It can help protect your investment in your vehicle. 

Comprehensive Coverage 

Comprehensive coverage covers damage to your vehicle that occurs when the car isn’t in motion. This typically includes theft, fire, and vandalism. 

Medical Payments Coverage or PIP

In Texas, insurance companies are required to offer PIP or personal injury protection for $2,500. It covers medical expenses, lost wages, and funeral expenses up to the coverage limit. It covers the driver and passenger. 

Medical payments coverage, known as Med-pay, is an optional type of coverage. It will cover medical expenses in the event of an accident, regardless of whether you or the other driver were at fault. 

Under or Uninsured Motorist 

In Texas, insurance companies must offer under or uninsured motorist coverage. If someone hits you without insurance, this coverage will pay for your repairs or injuries. It also covers hit and run accidents. 

Auto Insurance at Thompson Insurance Services 

If you need auto insurance in Highland Village, TX, contact us at Thompson Insurance Services. We will help you select the right policy to meet your auto insurance needs.