Auto insurance provides you with important financial protection against bodily injury and property damage that arise from automobile accidents. In addition to minimum legal requirements, you should consider other types and amounts of coverage for your individual needs. We'll help you put together an auto insurance policy that's just right for you, your family, your passengers, and your assets.

As you select coverage options, there are key areas of protection to consider. Click on the coverage options below for a brief explanation of each:

	Liability
	Medical Payments
	Collision
	Other than Collision
	Uninsured Motorists
	Personal Injury Protection
	Other Options

Liability
Pays for damage to others when you are legally responsible as a result of an accident involving your auto. It pays for loss resulting from bodily injury or property damage up to the limit you select. This coverage can also protect you while you or resident family members are using a car you do not own (e.g., rental car).

Medical Payments
Pays medical expenses for you, resident family members and other persons injured by an accident while occupying your auto. You and resident family members are also covered as pedestrians should you be struck and injured by an auto. You will be paid regardless of who is at fault for the accident up to the limit of coverage you select.

Collision
Collision coverage pays for direct and accidental damage to your auto caused by upset or collision with another vehicle or object. This coverage is written with a deductible.

Comprehensive Coverage
Other Than Collision coverage pays for direct and accidental loss or damage to your auto caused by such things as theft of the auto or its equipment, fire, vandalism, breakage of glass, explosion, falling objects and damage from contact with birds or animals. This coverage may be written with a deductible.

Uninsured Motorists
This coverage varies significantly by state both in terms and availability of options, but generally falls into three parts:  
1. Uninsured Motorists - Bodily Injury Pays for bodily injury that you are legally entitled to recover from the owner or operator of an uninsured motor vehicle.  
2. Underinsured Motorists - Bodily Injury Pays for bodily injury that you are legally entitled to recover from the owner or operator of an insured motor vehicle but the amount of his/her insurance is not sufficient to pay all of your damages.  
3. Uninsured Motorists - Property Damage Pays for damages that you are legally entitled to recover if your auto is damaged in an accident caused by an uninsured or underinsured motorist.

Personal Injury Protection
In states where "No Fault" coverage is available, pays for medical treatment, wage loss, and rehabilitation regardless of fault.

Discounts Offered

	Multicar discount
	Prior insurance
	Renewal discount
	H.O.

For further details, contact a Texas Colonial representative.