Accidents happen. Be prepared if they do. Texas drivers are required to have auto insurance if they drive or own a vehicle and with Energy Capital Insurance you can make sure you have the necessary coverage.
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Common Types of Auto Coverage
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 Comprehensive
This coverage can help pay for damage to your vehicle from vandalism, theft, weather events and accidents involving animals, whether you're in the vehicle or not.
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| Collision
Regardless of who is at fault, collision coverage can pay for damage to your vehicle if you hit another vehicle or object, another vehicle hits you, or your vehicle rolls over.
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| Uninsured Motorist
If an uninsured or underinsured driver causes an accident that results in property damage and/or bodily injury, uninsured motorist coverage may help pay for damage and medical costs for you and your passenger(s).
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| Bodily Injury Liability
If you cause an automobile accident that results in injuries, bodily injury liability protects you by paying for damages you may become legally liable for as a result of the accident, including medical bills & loss of income for the injured party.
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| Roadside Assistance Emergency help if you need fuel, a tire change, a jump-start or a tow. Roadside assistance coverage may even be available when you and your family household members are passengers in someone else's vehicle.
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Rental Car Expense
This coverage provides access to a rental car or other transportation while your car is in the repair shop after a covered incident.
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Auto Insurance Terminology
Choosing the right insurance policy can be confusing. We're here to help you so you can feel confident that you're selecting the right protection. Below are some terms that are commonly used when discussing insurance policies and what they actually mean.
Deductible
This is the portion of a claim that you pay. A higher deductible amount will lower your insurance premiums but increase your costs if there’s an accident.
Premium
This is the cost of your policy. It may be paid annually, semi-annually (two payments per year) or monthly.
Liability
Liability is the legal obligation or responsibility for any injury or damage suffered by another person.
Limit of Liability
This is the maximum amount of coverage under an insurance policy.
Manage Your Policy
If you already have a policy with Energy Capital Insurance, click here to manage it online.
