Click to Call
AAIGOT Insurance Agency, Inc

6633 Hillcroft Ave,
Suite 101,
Houston, TX 77081

Get Directions

Featured Insurance Blog

Required Auto Insurance in Texas

In Texas as in other states, it is required that all vehicle owners have auto insurance on their vehicles. The state has minimum insurance requirements for various types of coverage that all must be included in your policy. The minimums that are required are relatively in line with those of other states, but it’s a good idea to get more than the minimum amounts of coverage so that you are protected against serious accidents.

When you need auto insurance in the state, call us at AAIGOT Insurance Agency Inc in Houston, TX.

Liability Coverage in Texas

When you drive in Texas, you are required to have two amounts for bodily injury liability and one amount for property damage liability. The bodily injury amounts include one amount for a single injured party in an accident where you are at fault. The other amount is for all of the parties who are injured in the accident. There is also an amount required for property damage, which covers the other party’s damage sustained in the accident. This may be damage to the vehicle or damage to landscaping or to a structure. 

Other Auto Coverage

In Texas, personal injury protection, often called PIP, is also required. This is a small required amount of coverage that is there to pay for your own injuries after an accident. However, you can waive this coverage in writing if you don’t want to keep it. It is not recommended that you do this, as it is important coverage to have after an accident if you are injured. You may also want to get collision coverage. While this is not required, it pays for the damage to your own vehicle.

Get Auto Coverage

When you need auto insurance, call us today at AAIGOT Insurance Agency Inc in Houston, TX.

Will Auto Insurance Cover My Cracked Windshield?

A cracked windshield is a common problem that many drivers run into at one point or another. Regardless of whether your cracked windshield is a result of an accident or just old glass, for many, it must be repaired in order to pass a state inspection and to see clearly. However, if the crack isn’t severe, your car may pass a state inspection. However, when it comes to repairing a windshield, many drivers may wonder if a cracked windshield is covered by their auto insurance.  

Will Your Auto Insurance Cover a Cracked Windshield?

It depends.  If you only have liability insurance, your cracked windshield won’t be covered. Liability insurance is designed to pay for repairs and damage/injury to someone else’s property, person, or vehicle. However, our team at AAIGOT Insurance Agency Inc can help Houston, TX drivers get coverage that will pay for a cracked windshield. Of course, you’ll have to purchase more than just liability insurance to have coverage for your cracked windshield. Auto liability insurance isn’t designed to pay for your cracked windshield. You will have to invest in more than auto liability insurance to obtain coverage for a cracked windshield. 

Comprehensive Insurance

Liability insurance won’t cover your cracked windshield but comprehensive coverage will. Comprehensive auto insurance is designed to cover damage that isn’t the result of a collision. For example, comprehensive insurance covers hail damage, vandalism, theft, and even damage caused by the impact of hitting an animal. This type of insurance would even provide coverage for damage to your windshield. A cracked windshield could be covered by comprehensive auto insurance.

Contact Us Today

If you’re a Houston, TX driver that has more questions regarding comprehensive coverage, give us a call at AAIGOT Insurance Agency, Inc. We can answer all of your questions. 
 

Auto insurance add-ons you may want to add to your policy

When you drive a car, it is your responsibility to make sure that you can pay for any damage to other people and their vehicles in the event you cause an accident. Texas does not require that you carry insurance. However, you are still responsible for any damage you cause. You must show proof you can pay for the damages. Having auto insurance makes it easier to prove that you can indeed pay. At AAIGOT Insurance Agency Inc in Houston, TX, we will make sure you get the auto insurance that is right for you. 

Roadside assistance

What could be worse than having your car stop working and being forced to sit alongside the road? If you have roadside assistance coverage, you will be able to call and have your car taken to a service station or if it is something simple like a flat tire or a dead battery, you can be back on the road once assistance has arrived to help. This will also help when you have an accident to get your vehicle to the body shop. 

Gap Coverage

When you drive your new car off the lot, it immediately loses value. If you have an accident within a short time after purchasing your vehicle, the value that the insurance company gives for the vehicle may not match what you owe to your auto lender. You would end up with no car and still owing money if you didn’t have gap coverage. 

Glass Coverage

If you don’t have comprehensive coverage on your vehicle, you can still opt for glass coverage. This will pay to repair or replace your windshield if it is damaged. It is inexpensive and worthwhile coverage. 

Contact AAIGOT Insurance Agency Inc in Houston, TX to discuss your auto insurance with one of our experienced team members.

What auto insurance is required in Texas

With almost 18 million drivers. Texas is only surpassed by California when it comes to the total number of drivers. There are a lot of people on the roads, even with all the wide-open spaces Texas is famous for. At AAIGOT Insurance Agency Inc in Houston, TX, our hallmark is providing top-notch service, quality products, and affordable prices. We have been servicing the Houston area since 1985. 

The truth is, in Texas, you are not required to have auto insurance by the state. What you are required to do is to show that you could pay for any damage you caused in an accident. Most people choose to prove they can pay for the damage by getting auto insurance, but you don’t have to do it that way. 

If you do opt to have auto insurance, it must be 30/60/25. That is $25,000 for property damage, $30,000 for the first person who gets injured, and $60,000 for all injuries in any one accident. 

If you are leasing a vehicle or have an auto loan, you are going to need more than just liability insurance. You are going to have to protect the vehicle as well. This means having collision and comprehensive coverage.   

Collision

Collision insurance pays to have your vehicle repaired or for the payout amount if it is a total loss. It covers accidents where you are at fault, where you are the only driver, or where you are a victim of a hit and run. 

Comprehensive

Comprehensive coverage is a little more complicated. It covers you for theft and vandalism of your vehicle. It also covers a variety of things that you can’t control. It protects you from weather events like hail or strong winds, large animals in the road, and things like potholes. 

Contact AAIGOT Insurance Agency Inc in Houston, TX for quality products and great service. 

Required Auto Insurance in Texas

Every driver in Texas needs to have a car insurance policy. They are also required to always have proof of their coverage when they are driving a vehicle. If you need auto insurance in Texas, give us a call at AAIGOT Insurance Agency Inc in Houston, TX to find out more. 

Bodily Injury Liability

In this state, you must have coverage that allows for two different amounts of bodily injury liability. This includes one amount that is for one person injured in an accident that you are at fault for. The second number is the amount that covers everyone who became injured. These two amounts are average amounts nationally. They may cover smaller medical bills, but in the event of a serious accident with a lot of injuries, chances are that this coverage would not be enough. It’s recommended to raise this amount so that you are covered even if there are many injuries. 

Property Damage Liability

The other required type of coverage is for the property damage that you cause to another vehicle. There is a property damage liability amount that is required for auto coverage in the state. This amount is about average for state liability coverage laws. Many people do raise this amount, however, to make sure that they have enough coverage.

Other Coverage 

With the liability-only requirements of the state, you would have no coverage for your own property damage or your own injuries. Many people add extra coverage to their policy such as collision coverage and comprehensive coverage. These can help you in cases where you are at fault and have your own property damage that needs to be paid for. 

Get Your Auto Coverage

To find out more about auto policies and what they cover, call us today at AAIGOT Insurance Agency Inc in Houston, TX.

When should you review your auto insurance coverage

With almost 700,000 miles of roads, Texas is the most drivable state in the union. Before you hit the road, you need to make sure you comply with the laws of the state of Texas. At AAIGOT Insurance Agency Inc in Houston, TX, we make sure all of our customers have the auto insurance they need. With more than 35 years of experience, we have the expertise you expect from your independent insurance professional.

Renewal

Most auto insurance policies renew either yearly or bi-yearly. When you receive your renewal, it includes a declaration page. This page gives you a snapshot of your policy. It tells you who is listed on the policy, the vehicles, the amount, and the type of coverage you have. It is the perfect opportunity to get all your policy information at a glance. If your premium seems high, look at the figures and see what may be causing the high rate. 

Adding a vehicle

When you add a vehicle to your policy, it makes good sense to take a good look at your coverage. Consider which vehicle is primary and make sure that is how it is listed. It can make a difference which car is given the top spot. You need to discuss the number of miles each vehicle will be driven in any given year. 

Adding or removing a driver

When you have a young driver who has just gotten a license and will be coming onto your policy, you need to think about ways to make sure this is as inexpensive as possible. Ask your agent for discounts you may be eligible for. 

If it is time for a change or you want to get a free quote, give our office a call or stop by. AAIGOT Insurance Agency Inc in Houston, TX is your locally owned independent agency. 

Required Auto Insurance in Texas

There are specific laws about how much auto insurance drivers have to carry on their vehicles in Texas. There are several required types of coverage, and these come with mandatory minimums of coverage. If you need auto insurance, call us at AAIGOT Insurance Agency Inc in Houston, TX to find out more. 

Required Coverage

There is a mandatory minimum amount stated for injury liability in Texas, with a specific minimum for each person who is injured in an accident and another number for all of the people injured in an accident. This pays for the medical bills of those injured. There is another type of coverage required for liability, and that is for property damage. This pays for damage done to another vehicle in an accident that you are found to be at fault for. 

Uninsured Drivers

While many states require you to have coverage in an accident with an uninsured motorist or underinsured motorist, Texas does not require it. It is, however, a good idea to get this kind of coverage. This protects you in case of another driver, without insurance, causing an accident with you. This kind of coverage is often recommended because there is little to no recourse available if someone uninsured were to cause an accident without it. 

Collision Coverage

Another type that is highly recommended is collision coverage. This pays for your vehicle if it is damaged in an accident that was caused by you. The property damage coverage is for others’ vehicles- not yours. Only collision coverage pays for yours. 

Get Your Texas Auto Insurance

Don’t go without the required amount of auto insurance. Call us at AAIGOT Insurance Agency Inc. in Houston, TX to talk to an agent about auto coverage and learn how to get a quote.

Servicing States

  • Texas

Testimonials

Partner Carriers

  • Allied
  • CNA
  • Infinity
  • Progressive
  • Safeco
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura
  • Secura