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What Is Collision?


Collision coverage pays for damages if your vehicle overturns or if it collides with another vehicle or object. 
 
Collision coverage is subject to a deductible amount that you choose. The most frequently selected deductible amount is $500. Select a deductible amount that you are comfortable with – if there is a Collision claim on your policy, this will be the amount you’ll generally be required to pay.


What Is Comprehensive?


Comprehensive coverage pays for damage caused by an event other than a car collision, such as fire, theft, vandalism, hail or flood. Comprehensive also covers damage from hitting an animal and covers the cost of a rental if your car is stolen. Comprehensive coverage is also subject to a deductible amount – usually the same amount you choose for Collision coverage. 


What Is Liability?


Bodily Injury and Property Damage (BI / PD) liability covers your legal liability, up to the limits you select, for damages caused in a covered vehicle accident. If we cover an accident for which you’re sued, we pay for a lawyer to defend you. 

You choose your liability limits as either Split Limits or a Combined Single Limit (CSL). Split Limits divide Bodily Injury liability limits per person and per accident. (For example, $100,000 / $300,000 means that we will pay for up to $100,000 for Bodily Injury liability per person in a covered crash and up to $300,000 per crash.) For Property Damage, we pay up to the limit you select per accident. CSL combines your liability coverage into one total limit per accident ($300,000).  


What Are Added Coverages (Add-Ons) and Personal Injury Protection?


Personal Injury Protection (PIP) is available in certain states and is commonly referred to as “no-fault insurance.” PIP covers your medical bills and often lost wages. PIP usually also covers the cost of personal services you must pay someone else to do for you as the result of a car accident. 


What Is Medical Payments Coverage?


Medical Payments coverage applies no matter who is at fault and covers the cost of reasonable and necessary medical care provided to you as the result of a car accident.


What Is Uninsured / Underinsured Motorist?


Uninsured / Underinsured Motorist coverage pays for damages that you are legally entitled to recover for your bodily injury. In general, this coverage provides what you would have received from the other person’s insurance company if that person had insurance. This coverage may also protect you if the person who caused the damage does not have enough insurance.


What Is Rental Reimbursement? 


If you buy Rental Reimbursement coverage, we will reimburse you for rental car charges incurred while your vehicle is being repaired after a covered accident. You can only buy Rental Reimbursement coverage if you buy Collision and Comprehensive.


What Is Roadside Assistance?


Roadside Assistance covers labor costs incurred at the place where your vehicle becomes disabled as a result of mechanical / electrical breakdown, dead battery, flat tire and / or lock-out. We will also help if you run out of gas or other fluid, or become stuck in snow or mud within 100 feet of a road or highway. If necessary, Roadside Assistance will cover towing to the nearest qualified repair facility.


What Is Basic Full Coverage?


Liability / Comprehensive / Collision / 25 / 50 / 25
In most states, liability coverage is mandatory. All other coverages are optional. If your car is leased or financed, you may be required to buy certain coverage limits.

What Happens If I Get Caught Without Liability Insurance?

Notice: It’s the Law! HB-3588 Driver Responsibility Act, Effective September 1, 2003

  • The minimum fine for driving without insurance is $175.00. That’s the state fine. Your city or municipality can assess an additional fine.


  • You will then be assessed $250.00 for the next three years. That’s $750.00.


  • Your license will be automatically suspended if you fail to pay!


  • That’s $925.00 minimum in fines and assessments just for driving with no insurance. Plus, you will still have to pay for your insurance!


Peace of mind is what you get when you’re insured by a market leader that is there to help 24 / 7. That’s what being a Progressive customer is all about. Discount Auto Insurance Of Corpus Christi is an authorized seller of Progressive – call us today to learn more.

Car insurance is complicated. We have posted this brief guide to make it easier for you to understand the coverages, deductibles and limits and how they can work for you.

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