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Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Auto Insurance Information

Are You “REALLY” Covered?

Before this question can be answered, it is essential to understand your auto coverage.  Each state has a minimum limit of coverage that you must carry. In Texas, the minimum auto liability coverage requirements are 30/60/25.

If you were involved in an accident considered your fault, your policy would cover medical costs and any litigation up to $30,000 per Person & $60,000 per Accident.  Any damage done to an automobile, besides your own, would be paid up to $25,000 per Accident.

When you consider the cost of rehab, lost wages, etc and the fact that most cars cost more than $25,000, these minimum requirements can leave you woefully short of protecting you and your family.  Think about how you would cover the expense of a multi car crash including injuries with these low limits.  It just is not enough.

So How Much Should You Have?

The greater your assets, the more you stand to lose.  Most experts recommend $100,000 Bodily Injury per Person, $300,000 Bodily Injury per Accident, and $100,000 in Property Damage per Accident.  Some say this sometimes is not enough.  We can look at applying a $1,000,000 umbrella which increases your coverage limits to $1,000,000 total per accident for a very small cost. 

Your safety is very important to us. At FTS Life Insurance Agency, we care about you. It is our responsibility to ensure you are properly protected for the worst case scenario.  We take pride in Helping You Help Yourself.  

BIG SURPRISE!  Proper Coverage can actually lower your premium!

Experience has taught that A Properly Covered Client = A Properly Insured, and that = Better Rates. 

Now answer the question,  “Are You PROPERLY Covered?”


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