Introduction to Auto Insurance


Hatcher Kimrey Insurance will help you make an informed decision about your auto insurance coverage.  We will help you to understand the types of coverage, the underwriting factors that affect the cost, Texas requirements, and which insurance company is best for you.

Liability Insurance

Bodily Injury Liability Insurance protects you from claims of injured parties when an accident is your fault.  It does not protect you personally or your car.  The protection includes medical expenses, lost wages, and pain and suffering.  Coverage also includes damages from an accident caused by a family member living with you or a person driving your car with your permission.

Bodily Injury Liability Insurance includes specific benefit limits.  These limits determine the amount of money paid to one victim and the amount paid to multiple victims of an accident.  Texas requires a minimum of $25,000 per individual and $50,000 per accident.

Property Damage Liability Insurance pays for any damage caused by you to the property of others.  It also includes specific benefit limits.  Texas requires a minimum of $25,000.

Uninsured Motorists coverage is protection against an injury from a hit-and-run driver or a driver with no insurance.  This coverage replaces the insurance that the other driver should have purchased or covers the amount not covered by the other driver’s insurance.  Again, uninsured motorist coverage is purchased with specific limits.  Texas does not require this coverage.

Personal Injury Protection (PIP) pays a minimum benefit for the losses incurred due to injuries to anyone riding in your car regardless of fault.  Texas does not require PIP.  Included in most PIP coverage are medical expenses, rehabilitation expenses, work loss benefits, funeral expense benefits, and survivor loss benefits.

Property Damage Coverage


Property damage is covered by either collision or comprehensive coverage.

Collision coverage pays for damage to your car as a result of a collision with another car or an object.  This coverage is optional but may be required by your lender.  Collision coverage only covers the expense to repair your damaged car.

Comprehensive coverage pays for damage to your car as a result of theft, fire, weather, flood and vandalism.  This coverage is also optional but may be required by your lender.

Other Optional Coverages


Medical Payments Coverage pays for the medical and/or funeral expenses for you or passengers injured or killed even if you are at fault.  It also covers you or family members if you are struck by an auto while walking or riding in another auto.

Rental Reimbursement Coverage pays for a rental car for a specific number of days at a specific daily amount while you car is being repaired.

Towing Coverage pays the expense of having your car towed to a repair shop.

Underwriting Factors


Insurance companies consider the following factors when assessing the risk of an applicant:

  • Driving Record
  • Marital Status
  • Residence
  • Age
  • Gender
  • Use of Vehicle
  • Type of Vehicle
  • History of Prior Coverage

Contact Hatcher Kimrey Insurance to help you select the best automobile coverage for you at the best price.  Remember…. We are always here for you!

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