Car Insurance Coverage Explained

Compare top-notch car insurance coverages available. If you’re looking for budget-friendly and customizable auto insurance options in Texas and Nevada, Agencia de Seguros de Accesso, LLC and Access Insurance Agency of Nevada, LLC (both known as A Abana) can help you decide which coverage package best fits your lifestyle.

Discover types of auto insurance coverage options from A Abana

Affordable insurance options for drivers with different needs: Whether you're a new driver, have a foreign license, or need an SR-22 filing, A Abana is here to help with your non-standard coverage needs. Explore the types of coverage options we offer below:

State minimum liability

Liability car insurance is required in most states, including Texas and Nevada. It helps cover the costs of injuries and damages to others when you’re found at fault in a covered accident. Each state has different liability minimums required, and drivers may choose to get higher limits on their policy. The state minimum liability insurance usually includes bodily injury liability and property damage liability.
The minimum liability insurance won’t cover damages caused to your vehicle or your own injuries. It also doesn’t cover events such as theft, vandalism, or weather disasters. Drivers looking for wider coverage should consider a full coverage insurance package, which includes comprehensive and collision coverages.

Commercial auto insurance

Commercial auto insurance is a type of coverage that helps cover the high financial costs that come up when your business vehicle is involved in an accident or other covered event, such as theft.
 Your personal auto insurance policy may not cover your commercial vehicle. A commercial vehicle is a car you use for business purposes. Examples include a truck you drive to contracting sites or a food truck. Commuting to and from work doesn’t count as commercial use.

SR-22 Insurance

For drivers who need proof of financial responsibility, A Abana can help you get started with the SR-22 filing process. An SR-22 is a certificate that proves you have the minimum auto coverage required by your state. Some drivers may be required to carry this type of certificate.
A driver cannot file for an SR-22 on their own. An insurance company will file the form for you. Connect with A Abana if you need an SR-22 certificate in Nevada or Texas.

Non-owner SR-22 insurance

This is a certificate for drivers who don’t own a vehicle, but are required to hold proof of financial responsibility. A non-owner SR-22 may be required by drivers who rent or borrow a vehicle or who want to reinstate a suspended license.

Uninsured motorist coverage

If you get into an accident with an at-fault driver who doesn’t have insurance, uninsured motorist coverage may help you deal with the financial losses that may ensue. It provides coverage, up to your policy limit, for injuries or damages if a driver hits you and their insurance limits aren’t enough to cover these expenses.
Depending on the state that you live in, this coverage may be required.

Full coverage auto insurance

Full coverage is a car insurance package that goes beyond the minimum coverage. It includes the following coverages for covered events:

• Liability insurance: Helps pay for damages you cause others
• Collision coverage: Helps pay for your own vehicle repairs
• Comprehensive coverage: Helps pay for car repairs or replacement for events other than crashes, such as theft, vandalism, or extreme weather damage

Drivers can also opt to purchase additional add-ons such as roadside assistance coverage and rental reimbursement coverage.

Why drivers choose A Abana for car insurance coverage

A Abana works with Texas and Nevada drivers to help them find flexible car insurance coverage options that fit their unique needs and budget. With A Abana, you can expect:

• Helpful agents ready to walk you through different types of car insurance coverage
• 17 storefronts throughout Texas and 11 in Nevada
• Spanish-bilingual agents who can assist you without a language barrier
• Fast quotes from multiple carriers
• We accept foreign licenses
• Flexible payment options, including cash payments

• Have questions about car insurance coverage? Let’s talk!
  Looking for affordable car insurance options? Call A Abana at 214-764-8868, visit us at one of our stores where Spanish-bilingual agents are waiting to assist you, or get a free car insurance quote for Texas and Nevada online!

  Disclaimer: ​
  This material is for general informational purposes only. The products, services, and discounts referenced herein are not available in all states or from all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all cases, the actual language of the policy contract prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions, and exclusions may apply.