Melliand Insurance is an independent insurance agency. Call 972-346 for a free complementary quote for auto insurance basics Little Elm Texas.

1. Auto Insurance Basics Little Elm
Texas
Call 972-346-4666 or visit
www.insurancemadeeasy.us to get an
auto insurance basics Little Elm Texas
quote

2. Basics of an Auto Insurance Policy
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Liability insurance
Uninsured motorist coverage
Personal injury protection
Medical payments
Comprehensive coverage
Collision coverage
Towing
Car Rental
Loan lease gap coverage

3. Liability Insurance
• Liability insurance protects you the insured if you
were at fault for injuring someone else or doing
damage to their property.
• In my opinion this is the most important
coverage to get correct on your policy.
• The state minimums in Texas are much too low at
$30,000 per person for medical, $60,000 per
medical total, and $25,000 for property damage.
• An insured needs enough coverage to protect
their net worth.

4. Uninsured Motorist Insurance
• Uninsured motorist insurance protects all persons
injured in your vehicle as well as your vehicle if the
other person was at fault and didn’t have enough
liability insurance.
• In Texas, it is not a state requirement to carry
uninsured motorist.
• I believe it is important coverage.
• A family may have health insurance but if they have
friends in their car they may not have health insurance.
• If they get hit by a hit and run driver they have no
coverage.

5. Medical Payments & Personal Injury
Protection
• Medical payments pay out regardless of fault
for anyone hurt in the insured’s vehicle.
• Medical payments or personal injury
protection is vital if no uninsured motorist
insurance is chosen.
• Personal injury protection covers medical
payments as well as lost income.
• Either medical payments or personal injury
protection is usually chosen but not both.

6. Comprehensive Coverage
• Comprehensive insurance covers your
vehicles for things out of your control.
• This includes theft, vandalism, broken
windshields from debris flying off the
road, and hitting a deer.

7. Collision Coverage
• Collision covers your vehicle if you are at fault
for hitting another vehicle.
• Standard deductibles for both comprehensive
and collision are $500 each

8. Towing / Car Rental / Loan Lease Gap
Coverage
• Towing usually covers a certain dollar amount
and will pay for small expenditures such as a
battery if it is less than the dollar amount
specified in the policy.
• Car rental is usually sold at 40/1200 or 30/900.
This means $30 per day up to $900 or $40 per
day up to $1200.
• Loan lease gap coverage covers your vehicle if
you are upside down on your car.
• The insurance policy pays the loan off if it is
greater than the book value of the vehicle.

9. Melliand Insurance Contact
Information
• Call 972-346-4666 for a free complementary
quote.
• Visit www.insurancemadeeasy.us to obtain a
free complementary quote.
• Email your declaration page to
mark.melliand@gmail.com for a free
complementary quote. Include your date of
birth and details of driving history the past 5
years.