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Auto Insurance

Texas is a large state, and driving is something that everyone has to do. Auto insurance is required in the Lone Star State. The requirements are 30/60/25. What this means is that you must carry $30,000 in liability injury coverage per person per accident with a maximum of $60,000 per accident. You must also carry $25,000 in property damage. This coverage is to protect those whom you might injure in an accident where you are at fault. At Kathye Carpenter Agency, LLC, we understand auto insurance, and we want to make sure that you have all the coverage that you need.

The law in Texas protects other people from you, but what about your vehicle? If you are like most people, you need your vehicle to get to your job and to transact the normal daily functions of life. In the event of an accident, you need to know your vehicle will be repaired or replaced. In order to make sure you have that coverage, there are two types of additional insurance which can help.


Collision coverage protects your vehicle in the event you have an accident and are deemed the party at full or partial fault. It will pay to repair or replace your vehicle. If you have an auto loan, chances are your lender will require you to carry this coverage. It will also provide you with a rental vehicle while your vehicle is being repaired or until you can purchase or lease a replacement vehicle.


Comprehensive insurance covers things that can damage your vehicle other than an accident with another vehicle. It includes a variety of weather events such as floods, hail, and strong winds. It protects you from things that are beyond your control, like theft, fire, vandalism, and flying stones to your windshield.

In Texas, you need to carry auto insurance, and at Kathye Carpenter Agency, LLC, we are here to help make sure you have the right amount of coverage to protect your vehicle. Give us a call or stop by our office and let us give you a no-obligation quote.

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