Bayers Family Insurance Agency is here to help you get the auto insurance you need at a reasonable price! Auto insurance protects you against financial loss if there is an accident, fire, theft, or another covered event. With the right coverage, your policy can provide protection against legal, medical expenses, or property/vehicle damage resulting from an accident.
The requirements for auto insurance vary depending on the state you live in; in Texas it is required to have liability coverage on on vehicle (minimum of $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident).
Along with liability coverages that are offered with auto insurance, it is important to protect yourself and your vehicle against a loss. In the event of an accident, collision coverage offers payment for damages to your vehicle.
What if your vehicle is damaged in a way other than a collision? Comprehensive coverage may cover damage to your vehicle resulting from flood, fire, vandalism, theft, and other covered losses.
Some other coverages that are offered are:
Uninsured motorist coverage (if the at-fault party does not have the insurance to pay for your loss)
Roadside assistance/Towing coverage- for when your vehicle becomes disabled
Medpay- helps pay for injuries to you and your passengers in the vehicle in the event of an accident
Gap coverage- if your vehicle is deemed a total loss, gap coverage will help pay the remaining balance for the financed or leased vehicle
Be sure to ask us about discounts! Some carriers offer discounts for: air bags, multi car or policy, good student, defensive driver course, no claims, and more!