• Texas Auto Insurance Coverage
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Texas Car Insurance Coverage

Learn about your coverage options so you can choose the Texas auto insurance that’s right for your needs, goals and budget.

Texas auto insurance coverage you must have

Liability coverage

There are two types of liability coverage available:

• Property damage safeguards your assets if you are found legally responsible for a covered accident. It may cover certain damage you cause to the property or vehicle of another party.
• Bodilyinjury safeguards your assets if you’re found legally responsible for a covered accident, including certain expenses associated with bodily harm sustained by the other parties.

When you buy Texas car insurance coverage, you’ll need at least the required state minimum amount: $25,000/$50,000/$25,000. So in the event of an accident, you’ll get $25,000 coverage for bodily injury to one person per accident, $50,000 coverage for bodily injury to two or more people per accident, and $25,000 in property damage coverage per accident.

Liability coverage also provides for your legal defense expenses if you are sued as a result of a covered accident.

Texas auto insurance coverage that’s smart to have

You may also want to add the following coverages to your policy so you can enjoy the security of being protected on the road.

• Comprehensive – Covers damage to your vehicle not caused by collision or upset. Examples include damage or loss resulting from contact with animals, theft, fire, vandalism, glass breakage along with other non-collision related accidents.
• Collision – Collision coverage is used to repair your vehicle when physical damage occurs from collision with another vehicle or object (after you pay your deductible).
• Uninsured/underinsured motorist – Protects you in the event of an accident where the other party is at-fault and either doesn’t carry insurance or is underinsured.
  • Property damage helps pay for property damage to your vehicle that you are legally entitled to from another driver who is not insured or underinsured.
  • Bodily injury helps pay for damages due to bodily injury that you and other passengers of your vehicle are legally entitled to from another driver who is not insured or is underinsured.
• Medical benefits – May pay for necessary medical expenses or funeral costs for you or others covered under the policy, no matter who is at fault. May not be selected if choosing personal injury protection (below).
• Personal injury protection (PIP) – May reimburse a portion of wage loss, medical expenses and essential services incurred as a result of an accident to eligible injured parties (i.e. passengers or pedestrians). May not be selected if choosing medical benefits.

Tailor your policy with additional Texas auto insurance coverage options

• Accident Forgiveness – With this optional feature, Nationwide will not raise your auto insurance rates due to your first at-fault automobile accident. Learn more about Accident Forgiveness.
• Nationwide Roadside Assistance – Nationwide Roadside Assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that works best with your budget. Get covered for fuel delivery, lockout service, jump-starts and more.
• Loss of use – If you can’t drive your car due to a covered loss, this coverage helps pay for a rental car or other transportation expenses so you can get back on the road.

_{Average annual savings based on Nationwide policyholder data collected nationally through July 2007 for customers who switched to Nationwide.}

_{Insurance terms, definitions, and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies, and/or declaration pages which control coverage determinations. Such terms may vary by state and exclusions may apply.}