Oswaldo Puentes Insurance Agency
1445 North Loop W, Suite 222
Houston, TX 77008
Tel - (713) 864-1020
Fax - (713) 864-3999
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Auto Insurance

Do You Have Proper Coverage?

Many drivers have minimum coverage or no coverage at all. Do you know how much insurance you need to protect yourself from uninsured drivers? We will help you find the best coverage for your needs.

How Much Car Insurance Do You Need?

Your Auto policy can provide all or some of the following coverages:

BODILY INJURY and PROPERTY DAMAGE: Pays for bodily injuries to other people or damage to their property if you are liable.

PERSONAL INJURY PROTECTION (PIP): Pays up to the policy limit for medical bills, loss of income and funeral services resulting from an automobile accident. This coverage protects you, your family, anyone riding in your car and anyone driving your car with your permission.

MEDICAL PAYMENTS: Pays doctor, hospital and surgical bills, up to the limit of your policy for you and anyone riding in your car.

UNINSURED and UNDERINSURED MOTORIST: Pays for bodily injuries up to the limit you select  to you, qualified family members and any other person occupying your insured car, caused by an uninsured or underinsured driver or a hit and run driver, if that driver is liable.

COLLISION: Covers accidental damage to your car by collision with any object.

DAMAGE OTHER THAN COLLISION: Pays for damage from such causes as fire, vandalism, windstorm, falling objects, animals, flood and theft.

TOWING AND LABOR COST: Pays for reasonable towing and labor charges if your car breaks down up to the limits of the policy.

RENTAL REINBURSEMENT: Pays for auto rental charges up to the limit of your policy for auto rental while your car is being repaired for damage caused by an insured loss. Damage must be more than the deductible.

Your policy may have all or only some of these coverages, call us and we will be happy to explain to you every coverage in your policy.

Are You Receiving the Proper Discounts?

Discounts are the most important feature to lower the cost of insuring your car. We can offer you many if not all of the following discounts:

  • Multi-Policy discounts
  • Good driving record discount
  • Accident free discount
  • Early shopping discount
  • Good student discount
  • Automatic payment discount
  • Homeowner discount
  • Multi-car discount
  • Prior insurance discount
  • One year policy discount
  • Power deductible discount
  • Alternative fuel discount
  • Anti-lock brake discount
  • Anti-theft discount

Quick Claims Response

Our insurance companies offer the best claim customer service in the industry so you can feel confident that your claim will be handled with the professional care you deserve.


Contact us today for more information about Auto Insurance or fill out our online quote form.

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