Types of Auto Coverage

  • Liability Coverage pays to fix the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for vehicle damage. This is called 30/60/25 coverage.

Think about buying more liability coverage.

The minimum liability limits might be too low if you cause a multi-vehicle accident or the other driver’s car is totaled. If you don’t have enough liability coverage to pay for the damages and injuries you cause, you might have to pay the rest out of your own pocket. The other driver could sue you.


  • Collision Coverage pays to repair or replace your car after an accident.
  • Comprehensive Coverage pays if your car is stolen or damaged by fire, flood, vandalism, or something other than collision.
  • Medical Payments Coverage pays for you and your passengers’ medical bills. It also pays if you are hurt while riding someone else’s car or while walking or biking.
  • Personal Injury Protection (PIP) Coverage is similar to medical payments coverage. It pays you and your passengers medical bills. But it also pays for things like lost wages and other non medical costs.
  • Uninsured/Under-insured Motorist Coverage pays if you are hit by someone who did not have insurance or did not have enough to pay your medical and car repair bills. It also pays if you are in a hit-and-run accident.
  • Towing and Labor Coverage pays to tow your car if it cannot be driven. It also pays for labor to change a flat tire or jump-start your battery.
  • Rental Reimbursement Coverage pays for you to rent a car if yours is stolen or being repaired after an accident.

When do you file an auto insurance claim?

The most important thing to do before filing an insurance claim is to call EMS or 911 first. Making sure a situation is safe and the proper authorities have been notified is important. Your insurance carrier is going to want to see a police report especially if another vehicle or someone else’s property was involved.

As far as when you should file your claim, the sooner the better. You can always call your independent insurance agent (Caleb Insurance Group) to make sure your claims process is handled properly.

Many factors can affect your car insurance rate.

Auto insurance companies use many different criteria when evaluating an insurance application during a process called underwriting.

Car insurance rates depend on a number of factors including:

  • Age, sex, and marital status
  • Where you live
  • Average annual distance driven
  • Your vehicle type
  • Your credit score
  • Your coverage amount and type

Avoid Flood-Damaged Cars

In the wake of natural disasters, the used car market is often inundated with flood-damaged cars and trucks, many of which are cleaned and transported to other parts of the country to be sold to unsuspecting customers.

Moisture inside can have devastating effect that can lead to problems with:

  • Electronics, such as engine controls or brake signals
  • Dashboard rotting
  • Airbags and safety sensors
  • Interior upholstery, carpeting and roof

Lessen your risk of buying a flood-damaged vehicle:

  • Check title history
  • Inspect interior and engine compartment for evidence of water damage
  • Be wary of recently shampooed vehicle
  • Look for water residue or stains
  • Look for rust
  • Pay attention to musty smells inside vehicle or trunk
  • Rust on screws in the console area where water would not normally reach