FAQ – Personal Auto Insurance

Personal auto insurance is a critical part of responsible vehicle ownership.

Not only can it help protect you and your ride, but it can also satisfy Texas legal requirements.

Read on to learn more about these vital policies.

How Do I Add a New Driver?

You may wish to add a new driver to your auto insurance for various reasons. Typically, all it takes is a call to your insurance agent, and you provide the new person’s information, such as their name, date of birth and license number.

However, it’s important to consider other factors in this process. For instance, adding additional drivers usually increases premium costs. If the other driver is young, has a poor driving record or has other risk factors, these costs could be significant.

Consult AMCO Gulf LLC about your situation. We can help you decide whether adding a driver to your plan or having them get their own policy makes more sense for your circumstances.

How Much Personal Auto Insurance Coverage Do I Need?

The amount of coverage you need depends on numerous factors. At a minimum, Texas requires proof of financial responsibility for all drivers, which generally means having certain levels of auto liability insurance.

However, minimum liability coverage may not be enough to cover costs if you’re responsible for an accident. Moreover, it would only help cover damage caused to others—not yourself or your own vehicle.

With that in mind, medical payments, collision and comprehensive coverage may also be necessary.

Finally, if you have a loan or lease on your vehicle, your lender likely requires certain insurance coverage.

When Should I File a Claim?

It’s important to understand your policy details to know what’s covered. If a covered event occurs, you can file a claim for reimbursement. Typically, it makes sense to file a claim if there’s an injury or if there’s damage that would cost more than your deductible to fix. Your AMCO Gulf LLC agent can help offer more guidance in this area.

Is Theft Covered?

Whether theft is covered by auto insurance will depend on your chosen policy coverage. Comprehensive coverage may help pay for noncollision losses, such as theft and vandalism.

Where Can I Find Affordable Coverage?

If you need auto insurance, look no further than AMCO Gulf LLC. Our knowledgeable agents can help assess your circumstances and offer suitable coverage recommendations. Contact us today for a free quote.