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Auto Insurance Coverage

Automobile insurance pays for damages, injuries, and other losses specifically covered by your policy.
Many insurance companies use the Texas Personal Automobile Policy, a standardized policy form that offers eight types of coverage. Companies may sell alternative policies if the Texas Department of Insurance (TDI) approves them in advance.

Read your policy carefully because coverage can vary by policy and company. Pay special attention to the exclusions section, which lists the things your policy doesn’t cover. The front page of your policy called the declarations, or “dec, page” shows the exact name of your insurance company, your policy number, and the amount of each of your coverage and deductibles.

The following summarizes the eight coverages in the Texas Personal Automobile Policy. Although your coverage and policy terms may differ from these, this summary can help you understand the coverage and the way they work.