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Auto insurance is our specialty

What You Need To Know About
Auto Insurance

Your auto insurance works best when you don’t really notice it’s there—until you need it. When you’re in an accident, you need your insurance to be very visible very quickly.

When you let Able Insurance help you, you’ll be able to find the perfect plan. We’re an insurance agency, not an insurance company, which means our job is to search the entire market to find you a good deal. Below is some good information about what you need and what you should consider when you're looking for auto insurance.

FIND THE BEST INSURANCE PLAN
Every insurance plan is different. When you’re looking for a new auto insurance plan, you have to consider different types of coverage, including:

COLLISION:
When you’re involved in a crash, whether it’s with another car or a standing object like a tree, collision coverage offers payment to help you pay for the damage.

COMPREHENSIVE:
Some people don’t like taking risks. If you want your insurance to cover absolutely everything, including theft, weather damage, vandalism, and fire, comprehensive coverage will do the job.

MEDICAL PAYMENTS:
This type of coverage pays for medical care if you get injured in a car accident.

LIABILITY:
You can pay for bodily injury liability coverage in case you cause an accident that hurts someone else. Your insurance will help you stay afloat financially while helping the other person with their medical bills. You can also choose property damage liability coverage, which would pay for damage your accident caused to other people’s property.

You have so many options for auto insurance! Let the professionals at Able Insurance help you choose what you need. We’ll evaluate your situation, help you decide which coverages make sense for you, and find you the best bargain possible. Below are some frequently asked questions about car insurance. Click the arrows to view them all.

Why should you buy auto insurance?

If you cause an auto accident, you may be responsible for the losses of the other people involved. A claim may be made or a lawsuit filed against you for the losses. You may have to pay not only for the property damage you cause, but also for the medical expenses, lost wages, and pain and suffering of any injured person.

If you do not have insurance, anything of value that you own, including your home, savings, future wages and other assets, may be taken to pay for those losses. Auto liability insurance will protect you so that this does not happen.

What happens if the DMV finds out I have not met the financial responsibility requirements?

If the DMV determines that you have not met the financial responsibility requirement, the DMV may suspend your license and require an SR-22 or FR-44 form to be filed by your insurance company and require you to pay the $500 Uninsured Motor Vehicle fee. If a FR-44 is required, the minimum limits are 50/100/40.

What if you’re currently driving without coverage?

Severe penalties are imposed for not complying with insurance requirements. If liability insurance coverage on a vehicle terminates or cancels during the registration period, you must reinsure the vehicle, pay the uninsured motor vehicle fee, temporarily deactivate your license plates, or surrender the license plates to DMV.

Self-insurance or Surety Bonds are special options for owners of business vehicles. For more details, visit your local Texas Department of Motor Vehicles or visit their WEBSITE - http://www.txdmv.gov/

Auto Insurance is Our Specialty!

Let Us Save You Money
On Your Insurance With Combo Rates!

Just contact us and let us know what types of insurance you're looking for and we'll try to save you lots of money!

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