Auto insurance is meant to cover unexpected, accidental loss to your vehicle. Brake failure typically doesn’t fall into that category, which means your insurance usually won’t cover the repair or replacement of your brakes. It’s generally considered a normal part of vehicle upkeep.

At Roberts Family Insurance, we can help protect your car from many risks. If you need auto insurance in Friendswood, TX, let us help you find the right policy.

Situations Where You May Have Protection

In some situations, your policy may help cover brake-related losses if they stem from a covered peril. For example, if you have comprehensive coverage and your brakes are damaged in a flash flood or by a fire caused by a lightning strike, your policy will likely cover the damage.

If you’re in a collision and carry collision insurance, similar protection applies. Your policy will help pay for repairs to your car, including your brakes, up to your policy limit, as long as you have collision coverage and a covered claim.

When It Does Not Cover You

Auto insurance does not cover normal wear and tear on your brakes, nor does it cover routine maintenance costs. Keeping up with brake maintenance is part of owning a vehicle, and insurance isn’t designed to offset that expense. In most cases, routine repairs simply aren’t covered.

Let Us Help You Find the Right Coverage for Your Needs

Some insurers offer specialized policies for added protection, and it’s often worth reviewing your current coverage to ensure it still meets your needs. At Roberts Family Insurance, we can help. Request a quote for auto insurance in Friendswood, TX, to learn more about the coverage options available to you.

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If your teenager is preparing to earn a driver’s license, it is natural to start thinking about how driving will affect your family’s auto insurance. Adding a young driver comes with new responsibilities and risks, but the right preparation can help you secure appropriate coverage and control costs.

Building Responsible Driving Habits Early

Obtaining proper auto insurance coverage is an important part of responsible driving. Starting your teenager with the right level of protection helps reinforce safe habits and accountability from the beginning.

Once your teen begins driving regularly, it is a good idea to review your auto insurance policy on a scheduled basis. Regular policy reviews allow you to confirm that coverage limits remain adequate and make adjustments as your teen gains experience behind the wheel.

Creating a Practical Driving and Insurance Plan

Consider the type of vehicle your teenager will be driving and how often they will be on the road. Teens with limited driving experience generally pose a higher risk, making strong coverage especially important during the early years.

Comprehensive auto insurance can help protect your family if your teen is involved in an accident or if the vehicle they drive is damaged by theft, vandalism, or weather-related events. Selecting appropriate deductibles and coverage limits can balance protection with affordability.

Discounts and Incentives for Teen Drivers

Many insurance companies offer incentives that reward responsible behavior and risk reduction. Enrolling your teen in an approved defensive driving course may help lower your teen’s insurance premiums. Safety features such as anti-theft devices, driver monitoring apps, and vehicles with strong safety ratings can also contribute to long-term savings.

Working With an Insurance Agent You Trust

If you have questions about the type of auto insurance coverage your teenager needs, speaking with a knowledgeable agent can make the process easier. An experienced insurance professional can explain coverage options, identify discounts, and help ensure your teen is properly protected.

Contact an agent at Roberts Family Insurance, proudly serving Friendswood, TX, to receive guidance and personalized auto insurance solutions for your teenage driver.

Helping your new driver earn their license is an exciting milestone. You may spend many hours teaching them to drive safely, but even responsible teens face a higher risk of accidents simply because of inexperience.

With the team at Roberts Family Insurance on your side, you can choose the most appropriate auto insurance in Friendswood, TX for your situation. Contact us for a quote.

Determine What Your Coverage Needs Are

It is important to contact your insurance company when your teen becomes a licensed driver. In most cases, you can add them to your existing policy if they live in your household. The process is typically quick, and once added, your teen is protected under your coverage.

Some parents consider placing their teen on a separate policy or worry about how adding a new driver may affect their rates. Before making that decision, set aside time to speak with your insurance agent. They can explain the pros and cons of each option based on your unique circumstances.

Be sure to share any safety-related information with your insurer. Vehicles equipped with safety sensors or tracking technology may help demonstrate safe habits. Additionally, teens with strong academic performance may qualify for lower premiums through good‑student discounts.

A Good Relationship with Your Agent Matters

At Roberts Family Insurance, we encourage you to meet with us to discuss your needs. Let us help you choose auto insurance in Friendswood, TX that protects your assets and supports your teen as they begin their journey on the road. Contact us today to learn how we can assist you.

Even if you own a vehicle in Friendswood, TX, you may take a rideshare occasionally under certain circumstances. However, who is responsible if you sustain injuries in a rideshare accident? In most cases, other insurance will cover liability, but your auto insurance policy may help with some costs. The professionals at Roberts Family Insurance can help you understand who may be responsible for paying for your injuries.

Why Your Auto Insurance Isn’t Responsible in a Rideshare Mishap

When you enter a rideshare vehicle, the company sponsoring the ride, such as Uber, Lyft or another local organization, is providing you with a commercial service. That represents the primary reason why your personal auto insurance policy won’t cover any injuries. The rideshare company’s commercial policy or the at-fault driver’s policy typically steps in to cover any costs resulting from an injury-causing accident. The rideshare company is liable if the driver is on the app at the time of the accident. Rideshare companies typically have high liability limits to protect against accidents. If the driver has signed off the app or if the accident occurs after you leave the vehicle, then the driver’s auto insurance policy will cover injuries.

When Your Personal Auto Coverage May Apply

Personal bodily injury liability usually won’t apply in a rideshare mishap, but another part of your policy may help. If you have medical payments or personal injury protection (PIP), this portion of your policy can kick in to provide you with payments for immediate medical expenses while you pursue your claim with the at-fault driver. This portion of your personal policy pays no matter who is at fault.

Get comprehensive auto insurance protection to meet your needs by working with Roberts Family Insurance, serving the Friendswood, TX area. Contact our professionals today to get started on coverage.

If you’re shopping for a new vehicle, it’s important to have a plan for getting it insured. Often, car drivers choose to get full coverage for their brand-new vehicles. Understanding the benefits of full coverage can help you decide if this type of insurance is right for your car. At Roberts Family Insurance, servicing Friendswood, TX, we can help you find the right level of insurance for your vehicle.

Whether you need full coverage, collision coverage, or liability-only coverage, we can help. Our experienced insurance professionals can answer your questions and provide you with the information you need to make an informed decision. Here’s what you need to know.

What Is a Full Coverage Auto Policy?

There are many types of car insurance, including liability, collision, and comprehensive. Full coverage is an insurance option that combines all auto insurance types into one policy. When you have full coverage for your vehicle, you have the maximum amount of coverage there is. Full coverage will pay to repair or replace your vehicle in the event of a collision or non-collision event, such as theft or flooding. Full coverage also provides financial protection against damage and injury you cause to others.

Is Full Coverage Better for a New Car?

Many people who have new vehicles choose full coverage for their cars. Full coverage helps pay for damages to your vehicle, as well as non-collision damage like hitting an animal or vandalism. Unless you have enough money to repair or replace your new vehicle, you may want full coverage for your car as well.

Is Full Coverage Required?

Full coverage auto insurance may be required if you have an auto loan. Your auto lender will let you know if this is a requirement for getting a loan. To learn more about full coverage insurance and other types of auto coverage, contact the insurance professionals at Roberts Family Insurance, servicing Friendswood, TX.

If you are a Texas driver, getting into a car accident is always a possibility. If you’re hit by another driver, what should you do? Our insurance agents at Roberts Family Insurance, serving Friendswood, TX, explain.

What To Do If You’re in an Accident That Wasn’t Your Fault

If you’re involved in an auto accident, you’ll probably feel overwhelmed. Remember to contact the police before leaving the site of the accident, as they must complete an accident report. You’ll need a copy of the accident report to send to your insurance company. If the accident is determined to be the other driver’s fault, you may wonder about how you will get the money to repair your car.

According to the Texas Department of Insurance, if your auto insurance policy has collision coverage, your insurance company will pay for your repairs (minus your deductible). It is your insurance company’s responsibility to deal with the other driver’s insurance. If they get enough money from the other driver, your deductible might be refunded. If the other driver doesn’t have auto insurance, the uninsured motorist coverage on your insurance policy will pay for your repairs or medical bills (if you have this coverage).

Call Us for an Appointment

Don’t take a chance by driving without auto insurance. Our team at Roberts Family Insurance will help you find a policy that suits your needs and budget. Call us for an appointment and let us help you get safely on the road.