Auto insurance FAQs

At Revolutionary Insurance Group in Corpus Christi, TX, we want to revolutionize the way people interact with insurance. We provide world-class customer service that is personalized to each customer. As an independent agency, we can offer more choices and get the best prices available. When it comes to auto insurance, we hope to be able to give you the information you need to make an educated purchase. 

What auto insurance is required in Texas?

Actually, in Texas you are not required to have auto insurance, you are, however, required to prove that you could pay for any damage that you might cause by being responsible for an accident. Most people choose to prove they can pay by having auto insurance, which is the easiest way to do it 

Do I need to keep auto insurance if I don’t have a car loan?

No, in Texas you don’t. However, again, you do need to prove that you have the means to pay for any damage you may be responsible for in an accident where you are at fault. 

Can adult children stay on our auto policy?

Yes, adult children can stay on their parent’s policy as long as they have not changed their permanent address to a different location. So, college-age children who come home during the summer or adult children who move back home or have never left can stay on the family policy. 

Will collision coverage help if I am the victim of a hit-and-run?

Yes, it will. Collision coverage protects your vehicle in the event the other driver is not found. If the other driver is identified, the insurance company will go after that driver’s insurance for payment. 

Contact Revolutionary Insurance Group in Corpus Christi, TX if you want to discuss your auto insurance needs. We can see you in the office or give us a call. 

Do I Need Auto Insurance in Corpus Christi?

Driving in Texas is the most popular way to get around, therefore making the roads packed with drivers at any given time of day. If you’re a resident of Corpus Christi, TX, you’ve likely experienced the daily occurrences of traffic and how it requires you to schedule your day around it. 

Texas drivers should select an auto insurance company that has their best interests and safety at heart and knows the laws inside and out. Revolutionary Insurance Group would be happy to provide that for you. 

While there is a minimum liability coverage required for all drivers in Texas, we recommend investing in a full coverage insurance plan to cover your bases in the event of an accident, whether you’re at fault or not. 

Because of the highly congested freeways and highways in Texas, it’s really a no-brainer to purchase auto insurance for yourself and any other drivers in your household. You can be the safest driver on the road and still get hit by a careless driver with no insurance. If you don’t have the coverage in your plan for this scenario, the out-of-pocket costs could be devastating for you. 

Texas has so many wonderful sites and activities to offer its residents, and the infrastructure allows everyone to get anywhere they want to go. While you’re on the road, you can be a defensive driver or a careless one — accidents happen either way. Do your due diligence and invest in an insurance plan that will protect you and your vehicle on the road. One step further, protect the other drivers on the road as well.  

Revolutionary Insurance Group serves the residents of Corpus Christi, TX and surrounding areas with high-quality insurance plans. Contact us today for a quote. 

Auto Insurance Requirements in Texas

If you own a vehicle in Corpus Christi, TX, it’s your responsibility to protect yourself and others with auto insurance. In the event of an accident, auto insurance from Revolutionary Insurance Group can save you from having to pay for bodily injuries or property damage out of pocket. Auto insurance is also mandatory for Texas drivers. Here’s what you should know about auto insurance requirements in the Lone Star State.

Types of Coverage

Auto policies in Texas offer the following basic coverage:

  • Liability
  • Collision
  • Comprehensive
  • Uninsured Motorist
  • Roadside Assist

You can customize your policy by choosing the coverage that best suits your needs.

Required Coverage

Texas requires that all drivers carry minimum liability coverage to protect others in accidents they cause. If you’re at fault for an accident that causes injury or property damage to another driver, you could be held responsible for damages. Liability insurance covers these damages up to the limits of your policy. The more liability coverage you buy, the more protection you have against liability claims or lawsuits that may arise from accidents you cause.

Optional Coverage

Collision, comprehensive and uninsured motorist is an optional coverage that protects your vehicle against damage or total loss. Collision insurance covers damage to your vehicle from collisions. Comprehensive covers vehicle theft and pays for damage caused by non-collision causes like hail, falling objects, or vandalism. Uninsured motorist covers damage to your vehicle caused by uninsured or underinsured drivers. Any of these incidents can cause substantial damage to your vehicle or result in a total loss. With insurance coverage, you have financial support to cover repairs or compensate you for your loss.

Where to Obtain Auto Insurance Coverage

If you live in Corpus Christi, TX or surrounding communities, come to Revolutionary Insurance Group for the auto coverage you need. We’re here to meet all your auto insurance needs.

Learning More About Personal Injury Protection (PIP)

Although the mandate is controversial among some drivers, Texas requires personal injury protection as part of the state’s minimum auto insurance coverage. To learn more about your auto insurance requirements in Texas, contact an agent at Revolutionary Insurance Group in Corpus Christi, TX. Meanwhile, learn more about what PIP insurance covers and how it works. 

What PIP Really Does

PIP is referred to as no-fault coverage. It’s paid when you meet minimum criteria, regardless of whether you caused the accident. The coverage kicks in when a covered driver incurs medical bills or lost wages due to an auto accident. Even before the police report comes out, your insurance company has to give you the money. 

Surprising Facts About PIP Insurance

If another driver causes an accident, they should have sufficient insurance to cover your injuries. Even if they don’t have insurance or don’t have enough coverage, your underinsured or uninsured motorist coverage should cover you and your family.

Here are a few things you may not consider until it happens to you:

  • The at-fault driver’s policy takes time to assess the damage and your injuries associated with the accident. They may undercut your claim.
  • Your own insurance policy may also take quite some time to pay you. 
  • It may be easier to access PIP coverage while you wait for the insurance companies to process the claim. 
  • Since there’s no preset amount, you have some say in how much PIP coverage you wish to purchase.

Get PIP Insurance in Corpus Christi, TX

Contact your Revolutionary Insurance Group agent to find out more about your auto insurance options in Corpus Christi, TX. Feel free to set up an appointment to get a free quote or to review your current coverage. Remember to ask for details regarding the varying levels of coverage available for PIP.