Most folks get car insurance and then don't really think about it again, which is okay if you've got enough coverage. But here at Scordo Insurance, we talk about what kinds of coverage make sense to keep you and your family protected.
- Collision Coverage –Collision car insurance is a specific type of auto insurance that pays for the damages to your car caused by colliding with another object. Whether it's hitting another vehicle, a fence, a pole, a tree, or if your car rolls or flips, collision insurance steps in to cover the resulting damage.
- Comprehensive Coverage –Comprehensive insurance is a choice in car insurance that provides coverage for damage to your vehicle arising from events other than collisions. This typically includes protection against theft, vandalism, glass damage (like a cracked windshield), and damage resulting from collisions with animals or birds.
- Liability Coverage –This insurance will handle medical expenses and legal actions arising from a car accident where you are at fault. A common misunderstanding is that your coverage limit only matters if you collide with a "luxury car." In reality, even hitting a $5,000 minivan with five kids inside could lead to millions in medical costs. Coverage limits vary, ranging from as low as 30K/60K to as high as 500K/500K. We assist in determining the appropriate amount to safeguard your family.
- Medical Payments – assists in covering medical expenses for you and your passengers after an accident, regardless of fault. It provides essential financial assistance for immediate medical needs, offering peace of mind in the face of unexpected injuries on the road.
- Personal Injury Protection: Personal Injury Protection (PIP) coverage on a Texas auto policy ensures medical expenses and lost wages are covered for you and your passengers, regardless of fault. It provides crucial financial support after an accident, helping you focus on recovery without worrying about extensive medical costs.
Understanding auto insurance goes beyond the surface. Our commitment to "savings without compromise" sets us apart. Unlike agents promoting minimal coverage, which can lead to legal trouble in a serious accident, we explain and personalize policies to safeguard your financial well-being. As an independent agency, we offer competitive rates from multiple carriers.