Auto Insurance FAQs in Houston, TX

Texas law requires all drivers to prove they can take financial responsibility for accidents they may cause. Most do this by purchasing liability coverage, which helps pay for injuries and property damage you cause to others in an accident. However, many drivers choose higher limits or additional coverage for greater financial protection.

Standard auto insurance policies do not cover flood damage. To cover your vehicle from floods, hail, or other weather-related risks, you’ll need comprehensive coverage. This optional coverage can help pay for repairs or replacement if your car is damaged by severe weather.

Uninsured/underinsured motorist coverage can help pay for your injuries and property damage if you’re involved in an accident with a driver who doesn’t have enough insurance. Our team can help you understand your options and the benefits of adding this coverage.

Hail, high winds and flooding from hurricanes can cause serious damage to your vehicle. To be financially protected, you’ll generally need comprehensive coverage, which can help pay to repair or replace your car if it’s damaged by hail, falling debris or floodwater. Liability-only policies do not cover weather damage to your vehicle, so if you’re worried about storms or tend to park outside, it’s worth reviewing your policy limits and deductibles with an agent.

If you drive for a rideshare company like Uber or Lyft, your personal auto policy may not cover you while you’re working. Rideshare insurance or endorsements are available to fill this gap and help ensure that you’re covered during all phases of your rideshare activity.

Accidents and traffic violations can lead to higher insurance premiums. The amount and duration of the increase depend on the severity of the incident and your driving history. We can review your situation and help you find ways to manage your rates.

Our team at The Total Insurance is here to help Houston drivers navigate Texas auto insurance with confidence. If you have any more questions or would like a personalized quote, contact us today.