Thumann Agency Insurance Dallas
Thumann Agency, Inc.
Insurance & Financial Services Agency
Insuring Families and Businesses in Dallas for over 20 years

Phone: (972) 991-9100

Frequently Asked Questions

Auto Insurance in Texas

What is the minimum auto insurance coverage required in Texas? Each state has a different minimum amount of liability insurance, for Texas the limits are as follows

  • $30, 000 for each injured person
  • $60 for injuries per incident
  • $25 for property damage

Liability Insurance only pays for the other person’s injuries and damages to their vehicles. Texas requires that you be able to pay for any damages and injuries from a car accident that you caused.

What if I only carry Liability insurance coverage? If you only had Liability Insurance in place, you’d be forced to pay out of pocket to cover the expenses to fix your vehicle and your medical expenses.

What other types of Auto Insurance coverages are available?

  • Uninsured/underinsured motorist liability. This type of coverage is in place to protect you and your passengers for injuries caused by a motorist with little to no insurance.  Having Uninsured Motorist Liability Insurance is a great way to ensure you and your family gets the coverage you need.
  • Comprehensive Coverage. This type of coverage covers you for fire, theft, natural disasters, collision with an animal, Etc. It can also include car theft insurance, in case your vehicle is stolen or vandalized.
  • Collision Coverage This type of coverage pays for damage to your own vehicle when you are at fault.
  • Medical Coverage This type of coverage can help pay for medical expenses not covered by your existing health insurance plan. It can also provide coverage for you or a family member when riding in someone else’s vehicle.
  • Towing & Roadside Assistance Service This type of coverage provides emergency roadside assistance 24/7, towing, locked keys, flat types and dead batteries. In some cases this coverage will be included in a Comprehensive policy.
  • Loss or use/ Rental Car Coverage This coverage can help you cover rental car costs or other costs for transportation.
  • Glass Deductible Buyback Coverage With this coverage your insurance provider will replace your windshield after you pay a deductible. In many cases they’ll provide free repairs for small cracks and chips. 


Important Comprehension Coverage is normally required if your vehicle is leased or financed.

What does it mean when a car is "totaled"? After an accident or theft recovery, if the insurance company decides your car is "totaled," it means the estimate of repairs exceeds the car's value. At this point, the insurance company will likely send you a check for your car's value. It gets to keep your car unless you make arrangements to buy it back "as is".

What should I do if another driver hits my car? If you were not at fault in the accident, you will make a third-party claim to the at-fault driver's insurance company. Because you are the claimant, the insurance company typically will issue the check directly to you. It's your responsibility to pay the repair shop, and the lender if you have a car loan. If the other driver doesn't have insurance, your uninsured motorist coverage will take effect.

What happens if my car is stolen? If your car was stolen, be prepared to wait. Most insurance companies will impose a waiting period to see if the police recover your car. If your car is still missing after the waiting period, usually 21 days, you should receive a settlement soon after. If your car is recovered during the waiting period, the insurance company will want to see a repair estimate before deciding how to proceed.



Home Owners Insurance in Texas

What is typically included in a Texas Homeowners Policy? Most Homeowners policies in Texas include the following:

  • Personal Property pays if the items in your house (such as clothing, furniture and appliances) are damaged, stolen, or destroyed.
  • Medical bills for people injured on your property or by your pet.
  • Dwelling (Home Structure) pays if your house is destroyed or damaged by a covered loss.
  • Loss of use pays your additional living expenses (housing, food, and other essential expenses) if you must temporarily move because of damage to your house from a covered loss. Your policy will pay either a percentage of the amount of your dwelling coverage (typically 10 to 20 percent) or for a specific period after the loss (such as 24 months).
  • Personal Liability pays to defend you in court against lawsuits and provides coverage if you are found legally responsible for someone else's injury or property damage.


What’s not included in my Texas homeowners policy? There are a certain number of exclusions that are not included in a Texas homeowners policy. Exclusion simply means there are certain types of damage or locations that aren’t covered. Common exclusions in most home owner’s policies include earthquakes, mold, flooding and sewer or drain back up. The following chart shows the most common types of losses covered or excluded from a homeowner’s policy:



Most Policies Cover Losses Caused by

Most Policies Do Not Cover Losses Caused by

Fire and lightning


Sudden and accidental damage by smoke



Termites, insects, rats, or mice


Freezing pipes while your house is unoccupied (unless you turned off the water or heated the building)

Vandalism and malicious mischief

Losses if your house is vacant for the number of days specified by your policy

Riot and civil commotion

Wear and tear or maintenance

Aircraft and vehicles

Wind or hail damage to trees and shrubs

Windstorm, hurricane, and hail (this coverage may be excluded if you live on the Gulf Coast)

Mold, except what is necessary to repair or replace property damage caused by a covered water loss

Sudden and accidental water damage

Water damage resulting from continuous and repeated seepage


I live in Dallas, should I have flood insurance?
Flood insurance is always a good idea to have, especially when you are near a creek or another body of water.  Homeowners policies don't cover flood damage, so be sure to talk to one of our agents about your risk, and adding it if it makes sense.

Am I covered for tornado damage on my Texas homeowners policy?
Tornado damage does not require a separate policy since your homeowners insurance does cover it. But worth thinking about, is do you have enough coverage to rebuild?

When my house has been damaged and I need to file a claim, what should I do? 
First protect your home from any further damage.  For small to minor damage, get a contractor to give you an estimate to determine if the cost of repair is more than your deductible.  Once you determine the damage is over your deductible, file a claim and have the adjuster meet with your contractor to go over the damage and come to an agreement on how to proceed on the repairs and the cost of those repairs.  Your insurance agent can also help in determining if you should file a claim.  Avoid filling a claim that is not likely to be covered or under deductible.  It will have an effect on your future rates regardless of the amount paid.   

Why should I buy homeowner's insurance?
A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner's insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner's insurance.

How can I lower my premium?
If you want to lower your monthly premium, or buy more coverage for less money, one way is to carry a higher deductible. A higher deductible also may make sense if you believe that your chances of making a claim are remote enough to warrant assuming extra financial risk.

What damage to my house would not be covered by my homeowner's policy?
It depends on the type of policy you own. But in general, unless you buy additional coverage, you won't be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply.

What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner's policy?
You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.


What is an umbrella liability policy and why do I need one for my business?
A commercial umbrella liability policy is a relatively inexpensive way to purchase higher liability limits for your business. Any business owner seriously concerned about protecting business assets and earning power should consider a commercial umbrella policy. Accidental tragedies resulting in multi-million dollar lawsuits are far too common to rely solely on the coverages and limits provided in your basic liability policies.






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