Trusted Choice Insurance Agent in Nixon Smiley and Stockdale Texas

Professional Insurance Agent in Nixon Smiley and Stockdale Texas

Janicek Insurance Agency

Auto, Home, Farm & Commercial

Smiley, TX

(830)587-6261

Nixon, TX

(830)582-1581

Stockdale, TX

(830)996-3148

VEHICLE - TRUCK - CAR - AUTO INSURANCE

Truck Insurance in Texas

Janicek Insurance Agency offers Vehicle Insurance Coverage in South Texas. We will be happy to review your coverage to make sure you are getting the most amount of insurance for the least amount of money. We can offer you a wide variety of coverage options! Call us in Smiley TX: (830)587-6261 Stockdale TX: (830)996-3148 Nixon TX: (830)582-1581 or start a Free Insurance Quote.

Vehicle Insurance Products/Types:

Standard Auto

Non-Standard Auto

Classic Cars

RV

Motorcycle

Watercraft

VEHICLE/AUTO INSURANCE DETAILS

 

RV Insurance

What is auto insurance?

Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy. Auto insurance provides property, liability and medical coverage:

Property coverage pays for damage to or theft of your car.

Liability coverage pays for your legal responsibility to others for bodily injury or property damage.

Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.

An auto insurance policy is comprised of six different kinds of coverage. Most states require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year. Your insurance company should notify you by mail when it's time to renew the policy and to pay your premium.

What is covered by a basic auto policy?

Your auto policy may include six coverage's. Each coverage is priced separately.

1. Bodily Injury Liability

This coverage applies to injuries that you, the designated driver or policyholder, cause to someone else. You and family members listed on the policy are also covered when driving someone else's car with their permission.

It's very important to have enough liability insurance, because if you are involved in a serious accident, you may be sued for a large sum of money. Definitely consider buying more than the state-required minimum to protect assets such as your home and savings.

2. Medical Payments or Personal Injury Protection (PIP)

This coverage pays for the treatment of injuries to the driver and passengers of the policyholder's car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

3. Property Damage Liability

This coverage pays for damage you (or someone driving the car with your permission) may cause to someone else's property. Usually, this means damage to someone else's car, but it also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hit.

Boat Insurance
4. Collision

This coverage pays for damage to your car resulting from a collision with another car, object or as a result of flipping over. It also covers damage caused by potholes. Collision coverage is generally sold with a deductible of $250 to $1,000 - the higher your deductible, the lower your premium. Even if you are at fault for the accident, your collision coverage will reimburse you for the costs of repairing your car, minus the deductible. If you're not at fault, your insurance company may try to recover the amount they paid you from the other driver's insurance company. If they are successful, you'll also be reimbursed for the deductible.

5. Comprehensive

This coverage reimburses you for loss due to theft or damage caused by something other than a collision with another car or object, such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot, or contact with animals such as birds or deer.

Comprehensive insurance is usually sold with a $100 to $300 deductible, though you may want to opt for a higher deductible as a way of lowering your premium.

Comprehensive insurance will also reimburse you if your windshield is cracked or shattered. Some companies offer glass coverage with or without a deductible.

6. Uninsured and Underinsured Motorist Coverage

This coverage will reimburse you, a member of your family, or a designated driver if one of you is hit by an uninsured or hit-and-run driver.

Underinsured motorist coverage comes into play when an at-fault driver has insufficient insurance to pay for your total loss. This coverage will also protect you if you are hit as a pedestrian.

source: http://www.iii.org

If you would like information about other types of personal insurance, please call us in Smiley TX: (830)587-6261 Stockdale TX: (830)996-3148 Nixon TX: (830)582-1581.

We will be glad to answer any questions you may have about auto insurance.

Our Coverage Area

Janicek Insurance is licensed to sell Insurance all over the state of Texas. Our local surrounding counties and towns include the following: Gonzales County Texas, Dewitt County Texas, Karnes County Texas, Wilson County Texas, and Guadalupe County Texas.

Belmont, Texas

Cibolo, Texas

Cost, Texas

Cuero, Texas

Ecleto, Texas

Falls City, Texas

Floresville, Texas

Geronimo, Texas

Gillett, Texas

Gonzales, Texas

Harwood, Texas

Hobson, Texas

Hochheim, Texas

Karnes City, Texas

Kenedy, Texas

Kingsbury, Texas

La Vernia, Texas

Leesville, Texas

Marion, Texas

Mc Queeney, Texas

Meyersville, Texas

Nixon, Texas

Nordheim, Texas

Pandora, Texas

Panna Maria, Texas

Poth, Texas

Runge, Texas

Schertz, Texas

Seguin, Texas

Smiley, Texas

Staples, Texas

Stockdale, Texas

Sutherland Springs, Texas

Thomaston, Texas

Waelder, Texas

Westhoff, Texas

Wrightsboro, Texas

Yorktown, Texas

 

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