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23830 FM 1314 Ste B
Porter, TX 77365

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Am I Covered? How to Know What Your Auto Insurance Policy Covers

It’s important for drivers in Porter, TX to do their due diligence and ensure that they have the right amount of coverage for every driver on their insurance policy. It can be difficult to understand the various coverage options available to you, particularly if you’re a newer driver or need to add more people to your policy. 

When you work with a reliable, knowledgeable insurance company like JSI & Associates, you’ll know exactly what your policy contains and the coverage you have.

What Benefits Does Auto Insurance Provide?

In Texas, auto insurance is mandatory for anyone operating a vehicle on public roads. The benefits of auto insurance may seem obvious, but there are many reasons you should maintain a full-coverage policy that protects you on the road. 

Drive Cautiously & Confidently

Accidents do happen, and being prepared for one is of the utmost importance when you’re on the road. You may be the most well-practiced and cautious driver on the road, but you can’t control the other people in the lanes surrounding you. Insurance gives you the cushion in the event of an accident, whether it was your fault or not, that you won’t experience major financial hardship because of a situation out of your control. 

Protect Other Drivers

If you have the right insurance, you can protect other drivers on the road in addition to yourself. This is crucial to keeping the roads and drivers safe in Porter, TX. 

JSI & Associates urges TX drivers to examine their existing auto insurance policy. We can work with you to discover any gaps in your coverage and find a plan that is best for you and your family. 

Auto Insurance Coverage Options

Car owners in Porter, TX, are legally required to carry auto insurance to protect themselves and other people on the road. However, when buying insurance for the first time, whether it is yours or for your teen who has just started driving, understanding various coverage can be confusing. There is a lot of information to navigate through to ensure you are making the right decision. That is why JSI & Associates walks you through the different coverage you can pick.

Liability Insurance

This type of coverage can be divided into two policy options; bodily injury liability, and property damage liability. The first one, bodily injury liability, provides cover for all medical expenses arising from a third party’s injuries due to an accident you caused. On the other hand, property damage liability helps cover repairs and replacement costs arising from the accident.

Comprehensive Coverage

Comprehensive coverage provides cover for non-collision accidents such as a fire outbreak, theft, hailstorm, or vandalism. If you suffer any covered perils, this policy provides compensation for the cost of repairing or replacing your vehicle.

Underinsured/ Uninsured Coverage

If you get into an accident with a driver whose insurance cannot cover the total cost of injuries or property damage, the underinsured policy can help cover the resulting expenses. On the other hand, you may also get hit by a driver without a cover. Again, an uninsured policy will help cover the ensuing expenses.

Medical Payment Coverage

This type of coverage protects you and your passengers if you get injured in an accident. It ensures that you are compensated for all medical expenses and lost income resulting from the accident.

Collision Coverage

Collision coverage offers you protection when you get in a collision accident. For instance, it can be a head-on collision with another car or when you hit a fence or an electricity pole. This coverage can help with the cost of repairing your vehicle.

To enjoy the above coverage in Porter, TX, be sure to contact JSI & Associates, where we will help you pick a suitable auto insurance policy for your car.

Why You Need Auto Insurance

Most states require drivers to have auto insurance. If you’re a driver in Porter, TX, car insurance is mandatory. With JSI & Associates, your auto-insurance needs shouldn’t be a problem. 

The company will guide you on policies that suit your driving needs. If you’re yet to get auto insurance for your vehicle, keep reading to know why you need to make it a priority. 

Auto Insurance is Mandatory

States have their set of laws on minimum auto liability coverage required of drivers. Driving without insurance puts you at risk of legal penalties. It is crucial to consider a cover beyond the state’s minimum requirements to avoid high out-of-pocket expenses. 

Protect Yourself and Other People on the Road

With the right insurance, you’ll protect yourself, your car occupants, and other road users. Auto insurance will help you take care of any costs resulting from an accident, such as bodily injuries and property damage. You don’t have to worry about any repairs to your car. 

It’s a Requirement From Most Lenders

If you want to finance your car, you have to get the right auto insurance. No lender will risk investing in a vehicle that doesn’t have adequate protection. A collision or comprehensive coverage will help replace or fix the car in case of any damages. 

Peace of Mind

With the numerous car crashes on our roads today, being in one can happen any day. It doesn’t have to be your mistake. Auto insurance gives you confidence and peace of mind knowing that you have enough protection if you’re in an accident. 

It’s crucial to practice commendable driving behaviors to address common causes of car accidents. However, getting auto insurance should be a priority. With JSI & Associates, your auto insurance needs in Porter, TX will be met with the utmost precision. 

Call us today to get more details on this type of coverage. 

Who is covered by my auto insurance

Auto insurance protects you and your assets, and if you choose additional coverage, it also protects your vehicle. Texas requires that you show you can pay for any damage you cause as the result of an auto accident. Most people opt to do this auto insurance. You must carry $30,000 per person for injuries and a total of $60,000 per accident. $25,000 in property damage is also required. This coverage is for you in your car, but who is covered by your auto insurance?  At JSI & Associates in Porter, TX, we are a customer-centered, locally owned independent insurance agency. We do the work so you can get the right insurance at the right price. 

Nobody but you would drive your vehicle in an ideal world, and you would never drive any other vehicle. Of course, we don’t live in an ideal world, which brings up the issue of whether your insurance covers you or your vehicle. The simplest answer is that in Texas, the insurance goes with the vehicle. Within your family, the people who live in your house, there is no question that they have the same coverage on your vehicle as you do. 

But let’s imagine that a friend or family member who doesn’t live in your house has an emergency and needs to borrow your vehicle. Whose insurance covers an accident they cause with your car? Your insurance does, and whatever deductible you have will need to be paid. Unfortunately, your insurance premium is also the one that will go up. 

Auto insurance will protect you in most scenarios. If you have any questions about the coverage you have or what is covered at JSI & Associates in Porter, TX, we would love to sit down and discuss it with you. Give us a call for an appointment to talk about insurance coverage.

Four Auto Insurance Terms You Must Be Familiar With

Purchasing insurance can be a little confusing and even a bit intimidating. The terminology alone can frequently create blank stares of confusion. It’s one of the benefits of dealing with a locally owned, independent insurance agency like JSI & Associates. We serve Porter, TX, Houston, and the entire state of Texas with a range of loss prevention products. We are here to answer your questions, assist in finding appropriate coverage, and shopping for competitive rates.

If you are in search of auto insurance, you don’t have to know everything about it. It can be beneficial, however, to understand these four basic terms.

1. Adjuster

If you have a claim on your auto insurance due to an accident, you will likely encounter an adjuster. This is a professional employed by your insurance company to settle claims brought about by policyholders. The adjuster is charged with evaluating each claim and is authorized to make payments to policyholders based on the terms of their policies.

2. Declaration Page

This is a valuable summary page of your insurance contract that contains information such as the name of the policyholder, a description of the insured property, the period the coverage is in force, and the type and amount of coverage. It is frequently the first page of a policy and is commonly referred to as a “dec page” or “dec sheet.”

3. Deductible

The deductible is the amount an insured is responsible for paying before policy proceeds are paid on a claim. Standard deductible amounts for Comprehensive and Collision coverage range from $250 to $1,000. The higher your deductible, the lower your auto insurance premiums may be. In a claim, however, larger deductibles will likely mean more out of pocket expenses.

4. Independent Agent

An independent insurance agent is a professional who represents the products of multiple insurance companies. Since they do not serve as employees of any single company, they are free to “shop” a variety of companies, working in the best interests of their clients.

JSI & Associates of Porter, TX is an independent insurance agency willing to do the shopping for you when it comes to auto insurance. Contact us to provide some necessary information, and let us go to work for you.