Service Insurance Group, a trusted independent insurance agency based in Bryan, Texas, has released a new blog article to help drivers across Texas understand exactly what their car insurance policy includes — and what it leaves out.
The article, titled “6 Standard Things Car Insurance Covers — and a Few It Does Not”, simplifies complicated insurance terms into everyday language. The content guides Texas drivers through the state’s minimum insurance requirements, explains key types of coverage, and outlines common gaps that often go unnoticed until an accident happens.
Texas Car Insurance Requirements from a Local Insurance Agency
In Texas, drivers must carry liability insurance, which pays for injuries and property damage caused to others in an accident. The blog highlights the state’s minimum car insurance requirements, which include:
$30,000 for bodily injury per person
$60,000 for total bodily injury per accident
$25,000 for property damage per accident
Service Insurance Group emphasizes that these limits are only the legal minimum and may not be enough to cover the costs of a serious collision. The agency encourages drivers to review their coverage limits and consider additional protection to avoid financial strain after an accident.
Core Coverages in a Standard Car Insurance Policy
The blog outlines six key protections typically included in a standard car insurance policy, each designed to safeguard drivers and their vehicles:
Liability Coverage – Covers injuries and property damage caused to others.
Collision Coverage – Pays for repairs to the policyholder’s vehicle after a crash, regardless of fault.
Comprehensive Coverage – Covers non-collision incidents such as theft, vandalism, fire, or storm damage.
Personal Injury Protection (PIP) – Assists with medical expenses, lost income, and related costs after an accident.
Uninsured/Underinsured Motorist Coverage – Protects against drivers without sufficient insurance.
Medical Payments Coverage – Provides added medical cost support for drivers and passengers.
These core coverages create a strong foundation, reducing the risk of costly out-of-pocket expenses after an unexpected event.
Common Exclusions in a Standard Car Insurance Policy
While standard policies cover a wide range of incidents, they do not cover everything. The blog details several situations that are not typically included:
Normal wear and tear or mechanical breakdowns
Damage caused by illegal or intentional acts
Theft of personal belongings from inside the vehicle
Ridesharing or commercial use without specific coverage
Driving outside the policy’s covered region without notifying the insurer
Understanding these exclusions allows drivers to work with an insurance agency to add optional protections or endorsements that fit their lifestyles.
Service Insurance Group Delivers Personalized Coverage Guidance
Service Insurance Group provides tailored guidance to help Texas drivers build insurance policies that align with their needs, budgets, and vehicles. The agency offers:
Personalized policy recommendations based on driving habits and risk factors
Assistance with identifying discounts, bundling opportunities, and cost-saving strategies
Ongoing support for claims, renewals, and policy updates
Confidence that coverage complies with Texas laws while offering robust protection
“Many drivers are unaware that standard policies exclude hail damage without comprehensive coverage or that personal belongings inside a vehicle are not protected under auto insurance,” said Bradley Hurt, Owner of Service Insurance Group. “Practical steps can prevent costly surprises, such as reviewing policies annually and adjusting coverage when major life changes occur. Adding a teenage driver, purchasing a new car, or using a personal vehicle for business all affect insurance needs. Partnering with a local insurance agency ensures that coverage keeps pace with those changes.”
About Service Insurance Group
Service Insurance Group is a leading independent insurance agency headquartered in Bryan, Texas, and serving clients across the state. The agency provides both personal and commercial insurance solutions customized to meet each client’s unique needs. With a focus on transparency, competitive pricing, and personalized service, Service Insurance Group helps Texas families and businesses protect what matters most.
If looking for any type of personal or business insurance, the Agents at Service Insurance Group shop for the right personal or business insurance policy to fit individual needs – call them at (979) 300-7345 to get a quote!
