Fort Worth Car Insurance

Under Texas Transportation Code § 601.072, Texas drivers must carry at least 30/60/25 liability coverage: $30,000 for bodily injury per person, $60,000 total bodily injury per accident, and $25,000 for property damage per accident. This covers damage you cause to other people and their property, but provides zero coverage for your own vehicle.

Because replacement costs of modern vehicles and medical treatments can be high, a $25,000 property damage limit or $30,000 bodily injury limit can be exceeded in a serious multi-vehicle accident. If claim damages exceed policy limits, the at-fault driver is personally responsible for the remaining balance. Drivers can evaluate limits such as 50/100/50 or 100/300/100 based on their individual assets and risk tolerance.

Yes, if your policy includes Comprehensive coverage (also known as Other-Than-Collision). Comprehensive pays to repair hail dimples, broken windshields, and storm debris damage, subject to your chosen deductible ($500 or $1,000). Liability-only policies do not cover weather damage to your vehicle.

An SR-22 is a Certificate of Financial Responsibility that an insurance carrier transmits directly to the Texas Department of Public Safety (DPS) to verify active liability insurance following a suspension, DWI, judgment, or no-insurance citation. Rainbow Insurance Agency assists drivers with electronic SR-22 submissions to the Texas DPS.

Yes. Rainbow Insurance Agency works with insurance carriers that accept valid out-of-state driver licenses, international licenses, Mexican consular matrículas, foreign passports, and Individual Taxpayer Identification Numbers (ITINs). Call (817) 922-8031 for bilingual assistance in English or Spanish.

Collision coverage pays for damage to your vehicle caused by striking another vehicle, guardrail, fence, or tree, or in a rollover accident. Comprehensive covers non-collision losses such as severe hail storms, tornado wind damage, flood water, vehicle theft, vandalism, glass breakage, and animal collisions.

The Insurance Information Institute estimates that approximately 12% to 15% of Texas drivers operate without insurance. UM/UIM protects you and your passengers for medical expenses, lost wages, and vehicle damage if you are struck by an uninsured driver, an underinsured driver, or a hit-and-run motorist.

A captive agency represents only one insurance company and can only offer that company's specific policies. Rainbow Insurance Agency is an independent agency that can compare coverage options from more than 56 insurance carriers and markets, subject to carrier availability, underwriting guidelines, and customer eligibility.

Have the full legal names and birth dates of all household drivers, driver license numbers (or passport/matricula/ITIN), the 17-digit VIN for each vehicle, your garaging address, and your current policy declarations page if currently insured.

Yes. Bundling auto insurance with homeowners, mobile home, condo, or renters insurance through available carriers frequently qualifies policyholders for multi-policy discounts.