Auto Insurance Serving Kerrville, TX, Friendswood, TX and the Surrounding Areas
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. Contact our team in Kerrville, TX, today to learn more about our policies and get personalized assistance in choosing the right coverage for your needs.
Protect Your Vehicle with Joe Cook & Associates Insurance
- Liability Coverage: is mandatory in Texas. It covers the costs if you are at fault in an accident that causes injury or property damage to others.
- Collision Coverage: pays for damage to your car resulting from a collision with another vehicle or object, regardless of who is at fault.
- Comprehensive Coverage: protects against damage to your car from non-collision events, such as theft, vandalism, fire, natural disasters, or hitting an animal.
- Personal Injury Protection (PIP): PIP covers medical expenses, lost wages, and other related costs if you or your passengers are injured in an accident, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you're involved in an accident with a driver who either doesn't have insurance or doesn't have enough insurance to cover the damages.
- Roadside Assistance: help with towing, flat tire changes, jump-starts, and other emergency services if your car breaks down.
- Rental Reimbursement:
covers the cost of a rental car while your vehicle is being repaired after a covered accident.
Umbrella Coverage
Umbrella insurance covers losses not addressed by other policies, typically supplementing auto, boat, and homeowner coverage. It activates when an incident exceeds existing limits, especially useful in automobile accidents.
Recommended for those with significant assets, umbrella coverage helps protect against lawsuits that may surpass policy limits, safeguarding valuable possessions. However, it kicks in only after other coverages are exhausted.