Auto Insurance

Auto Insurance in Beaumont and Houston, TX

Owning a car is a major investment, and surprise costs may follow from damage caused by accidents and bad weather. JS Edwards & Sherlock can help you find insurance options in Texas to keep you covered.

What Is Auto Insurance?

Auto insurance can help you avoid big expenses after an accident. It’s a contract between you and your provider. If something goes wrong, like a crash or injury, your policy may cover costs such as repairs, medical bills or other related expenses.

What Type of Policy Should I Get?

Auto insurance can include coverage based on your needs. Here are a few options:

• Medical payments (MedPay) coverage can help cover medical expenses for you and your passengers after an accident.

• Property damage liability coverage may cover damage you cause to someone else's property.

• Bodily injury liability coverage can help with costs related to injuries or deaths you cause in an accident.

• Uninsured/underinsured motorist coverage may offer coverage for accident-related costs if the driver at fault has limited or no insurance.

• Comprehensive coverage may cover non-collision incidents like theft, vandalism, fire or storm damage.

• Collision coverage can help handle your vehicle’s repair expenses, regardless of fault.

All policies have coverage limits, so make sure you have enough financial protection to cover your potential losses. Your insurance broker can help recommend options.

Why Do I Need to Insure My Car?

Most states require car insurance, but basic coverage may not be enough. Texas requires proof of financial responsibility after an accident, so going without insurance can result in penalties. Adding more coverage beyond minimum requirements can help you avoid out-of-pocket costs after an accident. Talk to your agent about options that work for you and your budget.

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Find the auto insurance policy that best suits you. Contact JS Edwards & Sherlock today to talk with a trusted agent.