In all scenarios, Champion Family Insurance highly recommends opting for bodily injury and property damage limits that surpass the minimum requirements set by the state. Our goal is to ensure your security by offering enhanced coverage options that go beyond mere compliance. As part of this commitment, we propose additional protective measures such as uninsured and underinsured motorist coverage. This crucial coverage guarantees your safeguarding even if you find yourself in an unfortunate situation where the other driver lacks adequate insurance coverage.

When it comes to safeguarding your vehicle, our offerings extend to encompass collision and comprehensive coverage. These options are tailored to manage the costs of repairs for covered damages, satisfying not only your protection needs but also adhering to the prerequisites of lenders and financial institutions.

Going beyond standard provisions, we also introduce the possibility of Personal Injury Protection (PIP) coverage. PIP stands as a vital shield, providing insurance coverage that takes care of medical expenses, lost income, and various financial setbacks resulting from injuries sustained in a car accident. It’s important to underline that PIP goes the extra mile by encompassing your passengers’ well-being as well. In the unfortunate event of an accident, PIP ensures that medical expenses for your passengers, if they sustain injuries, are also included in this comprehensive safety net.

In the state of Texas, PIP coverage is a legal requirement. Nonetheless, recognizing the diverse circumstances our clients face, Champion Family Insurance grants the option to make an informed choice through a waiver that would exclude this coverage. However, it’s crucial to contemplate the potential ramifications of forgoing PIP coverage. Opting out of PIP could expose you to vulnerability in scenarios involving substantial injuries resulting from a car accident. This decision could potentially result in daunting medical expenses and income loss, both of which could accumulate into the thousands.

Beyond its financial security attributes, PIP coverage serves as an avenue of relief when urgent circumstances arise. Rather than grappling with mounting bills and uncertainty while waiting for the resolution of a lawsuit or insurance settlement, PIP steps in to provide immediate assistance. It assures that your essential needs are met promptly, alleviating the strain caused by unforeseen accidents. Your well-being and financial stability remain Champion Family Insurances’ paramount concern, and PIP stands as a prudent choice to navigate the uncertainties that can arise on the road.