Auto Insurance

Fort Worth Car Auto Insurance

Car and auto insurance agents Frank Prochaska and Jason Gowins help people of Fort Worth and Arlington find affordable insurance. We spend time looking at each indiviual’s situation on a case by case basis to recommend the best coverage available at an affordable cost. Auto insurance provides financial protection for you and your family if you are in an accident. Damage and injuries caused by the accident and for repairing or replacing your vehicle if it is damaged or stolen is covered under auto insurance. Let us show you the deep auto discounts you can receive by packaging your affordable car insurance with home owner insurance, health insurance and life insurance policies. Homeowner Discounts are also available if we insure an auto within the household.

Companies we are currently offering for Auto Insurance include:

• Kemper
• MetLife
• Safeco
• Travelers
• Progressive

What types of coverage are available?

Liability Insurance

The State of Texas requires drivers to carry auto liability insurance and provide proof of insurance before you can license your vehicle. Liability insurance protects you from claims by others resulting from an auto accident in which you are involved. Some of the coverages include bodily injury you cause to others, property damage you cause to others, and legal defense costs for you in lawsuits brought by others. Texas requires drivers to carry minimum liability coverage. The required minimum coverage is often not enough to pay for damages and the driver is responsible for any additional expenses.  For as little as $200/year a personal Umbrella Insurance policy can provide additional liability coverage above and beyond the included liability coverage.

Arlington Car Insurance

Medical Payments

Part B- pays you for medical expenses resulting from injuries to you in an accident regardless of who is at fault for you or a passenger injured while riding in your vehicle. When you or a family member are riding as a passenger in someone else’s vehicle or when struck by a vehicle as a pedestrian you are covered. Costs are covered up to the amount specified by the policy.

Personal Injury Protection

Personal Injury Protection (PIP) pays you for medical expenses, loss of income and essential services resulting from an accident, regardless of who is at fault. Expenses must be incurred with in three years of accident. Please contact us with any questions you may have.

Hurst Texas Auto Insurance

Uninsured/Underinsured Motorist

Uninsured Motorist covers you, your household members and your passengers in an accident with a motorist who has no insurance or is underinsured. A hit-and-run driver is considered an Uninsured Motorist. The coverage also applies to you and the members of your household as pedestrians. Coverage includes payment of medical costs, lost wages and pain and suffering. Even if a person who causes an accident has insurance they may not have enough coverage to cover all of your losses. Underinsured Motorist coverage will help cover your additional losses.

Keller Auto Insurance

Other Than Collision(formerly referred to as Comprehensive)

Comprehensive coverage pays for losses resulting from fire, vandalism, glass breakage, theft, falling objects, storms, collision with an animal and other natural occurrences. Other Than Collision coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

Collision

Collision coverage pays for damage to your vehicle that results from a collision with another vehicle or object regardless of who is at fault. The coverage usually reimburses you the amount needed to repair or replace your damaged vehicle, minus the deductible. This coverage is normally required if your vehicle is leased or if you have an outstanding loan on the vehicle.

Gap Insurance

This will pay the difference in what an auto is worth at the time of a loss compared to balance of auto loan. Often when a new car is totaled soon after purchase the covered amount is not enough to cove the loan.

Deductible

Your deductible is the amount of money that must be paid before your coverage starts to pay in the event of a loss. Many people carry low deductibles and therefore pay higher premiums. Let us show you how raising your deductibles can save you money on your premiums. You can also increase your coverage dramatically by increasing your deductibles just a little.

We can also help you with boat insurance, motorcycle insurance, rv’s, motor home insurance, personal watercrafts, and business commercial automobile needs.

Fort Worth Car Insurance

Serious Auto Accidents and boating accidents can cause severe bodily injury. For a surprising modest premium, a personal umbrella liability insurance can protect all you own.If you carry higher limits on your auto insurance you will receive a discount on your Umbrella policy also.

Please call us or email us for a free quote or if you have any questions. 817-925-0924

We help individuals and businesses with their auto and car insurance needs in the North Texas area including the cities Fort Worth, Arlington, Grapevine, Southlake, Keller, Hurst, Euless, Bedford, Cleburne, Alvarado, Joshua, Crowley, Benbrook, Dallas, Grand Prairie, Burleson and Mansfield.