Coverage
Auto Insurance in North Texas
Review liability limits, vehicle coverage and deductibles for the drivers in your household.
Auto insurance for the household
Start with the drivers, vehicles and how each car is used. Clawson Insurance Advisors is based in Plano and serves households across North Texas, with service also available in selected East Texas communities. A coverage conversation can help you identify the questions to resolve before comparing quotes.
Understand the coverage choices
Texas generally requires proof of financial responsibility; most drivers use liability insurance. Minimum liability limits are 30/60/25: $30,000 for bodily injury per person, $60,000 per accident and $25,000 for property damage. Ask whether higher limits fit your circumstances.
Liability addresses covered harm to others. Collision and comprehensive address different risks to your car. Comprehensive can cover hail, theft and flood, subject to the policy. Financing can bring lender coverage requirements.
PIP and uninsured motorist coverage
Personal injury protection (PIP) can help with medical bills and certain nonmedical costs, including lost wages, for you and your passengers. Texas auto policies include PIP unless it is rejected in writing. Uninsured/underinsured motorist (UM/UIM) coverage can help when a driver has no insurance or too little; it can also address hit-and-run losses, subject to policy terms. Texas insurers must offer UM/UIM, and declining it requires written rejection. Check the declarations and any rejection forms rather than assuming either coverage is included.
Medical payments coverage focuses on medical or funeral costs; PIP can also include certain nonmedical benefits. UM/UIM bodily-injury and property-damage coverage have different terms. OPIC identifies a $250 UM/UIM property-damage deductible; do not apply that amount to bodily injury. OPIC auto basics
For a Texas uninsured-motorist claim involving an unknown owner or driver, Insurance Code section 1952.104(3) requires actual physical contact between that vehicle and the insured person or property. Ask the insurer how this rule, reporting duties and other policy terms apply to the facts; contact alone does not establish coverage. Texas Insurance Code section 1952.104(3)
Questions beyond the premium
- What uninsured or underinsured motorist coverage is included?
- What personal injury protection is included, and what has been declined?
- Which deductibles apply, and what rental coverage is available?
- Have regular drivers, a new teen driver and paid delivery or rideshare use been disclosed?
Put the options side by side
Compare matching limits and deductibles, then review differences in coverage. If you are considering home and auto together, compare the combined cost and terms against separate policies.
Start with a clear question
Bring your current coverage limits and the changes you want to discuss. Ask how to share personal documents securely. A website request starts the process; it does not bind or change coverage.
Review the liability limits together
If you are considering an additional liability layer, compare the auto limits with the requirements of a proposed umbrella policy.