Texas doesn’t have winter the way Minnesota has winter. We don’t deal with months of snow and ice. Roads don’t stay frozen from November through March. Most years, we get a few cold days, maybe some ice overnight, and life goes on pretty much as usual.
Then February 2021 happened. Ice storms shut down the entire state for a week. Highways became parking lots of wrecked vehicles. Thousands of Texans who’d never driven on ice in their lives suddenly had no choice. And insurance companies processed more weather-related auto claims in one week than they typically see in an entire winter.
That’s the thing about Texas winter weather. It’s not the frequency that gets you, it’s the severity when it actually happens. And understanding how your auto insurance responds to different winter weather scenarios matters more here than in states where everyone’s already prepared for snow and ice.
Worried about how your auto coverage handles Texas winter weather? Call Schell Insurance at (972) 423-4546 for a policy review before the next freeze hits. We’ve spent over 95 years helping Texas drivers understand exactly what’s covered when weather turns dangerous. Whether you’re dealing with Panhandle ice or Gulf Coast flooding, we’ll make sure your coverage matches the risks you actually face.
Texas Winter Weather Isn’t Predictable or Uniform
The biggest mistake people make is thinking Texas has one type of winter weather. We don’t. What happens in Amarillo in December looks nothing like what happens in Brownsville. And what’s normal for El Paso is a once-in-a-decade event for Houston.
The Panhandle and far West Texas get actual winter. Ice, snow, freezing temperatures for extended periods. Amarillo averages 17 inches of snow per year. Roads ice over regularly. People who live there know how to drive in winter conditions because they do it every year.
North Texas gets unpredictable freeze events. We might go three years with nothing worse than a cold morning, then get a week of ice like February 2021. DFW averages about 2.6 inches of snow per year, but it’s incredibly variable. When it happens, most drivers have zero experience handling those conditions.
Central Texas sees ice more than snow, usually from freezing rain. Austin, San Antonio, Waco – these cities can go entire winters without frozen precipitation, but when they get it, it’s typically the most dangerous kind. Freezing rain creates black ice that’s nearly impossible to see and incredibly treacherous to drive on.
East Texas deals with winter rain and occasional ice. Tyler, Longview, Texarkana get cold temperatures and plenty of rain, with occasional ice storms. The bigger issue here is flooding during winter months when ground is saturated and rivers are already running high from previous rainfall.
The Gulf Coast barely has winter in the traditional sense. Houston, Corpus Christi, Galveston might see freezing temperatures a few times per year, but ice and snow are rare events. Winter’s bigger threat here is flooding from heavy rainfall. Houston can get 4 to 6 inches of rain in a single December or January storm.
This geographic variation matters for insurance because your risk profile depends entirely on where you live and drive. Someone in Amarillo needs coverage that handles routine ice and snow. Someone in Houston needs coverage for flooding and heavy rain. Someone in Dallas needs both, even though neither happens regularly.
How Comprehensive Coverage Handles Winter Weather Damage
When people think about auto insurance and weather, they usually think about comprehensive coverage. That’s the part of your policy that covers damage to your vehicle from weather events, falling objects, theft, vandalism, and other non-collision incidents.
Comprehensive coverage is optional in Texas unless you have a loan or lease. If you own your vehicle outright, you can legally drive with just liability insurance. But that means you’re self-insuring for all weather-related damage to your own vehicle. When a hailstorm totals your car, you’re paying for the replacement yourself.
Hail damage is the most common winter weather comprehensive claim in Texas. We get destructive hail throughout the year, but winter hailstorms can be particularly severe. A single hailstorm can generate thousands of auto claims in affected areas. Comprehensive coverage pays to repair or replace your vehicle, minus your deductible.
Ice damage to your vehicle while it’s parked falls under comprehensive coverage. If ice accumulates on power lines and they snap, falling on your car, that’s comprehensive. If icicles fall from a building and damage your vehicle, that’s comprehensive. Any damage from falling objects or weather while your vehicle isn’t being driven gets covered here.
Flooding is covered by comprehensive, but total loss from flooding is catastrophic for your finances if you’re underinsured. When water reaches the interior of your vehicle and saturates the electrical system, the vehicle is often totaled. The insurance company pays actual cash value minus your deductible. If you owe more on your loan than the vehicle is worth, you’re stuck with the difference unless you have gap insurance.
Windshield damage from ice, road debris kicked up during winter storms, or temperature stress cracks are handled through comprehensive coverage. Many Texas policies include a zero-deductible glass coverage option. If you have this, windshield repairs or replacement cost you nothing out of pocket. Without it, you pay your comprehensive deductible even for glass damage.
Tree limbs and branches falling on vehicles during ice storms create comprehensive claims. Ice accumulation on trees causes branches to snap and fall. If a branch falls on your parked vehicle, comprehensive coverage pays for repairs. This happens more often than you’d think during severe ice events.
The key thing about comprehensive coverage is the deductible. Most people carry $500 or $1,000 comprehensive deductibles. If weather damage costs $1,200 to repair and you have a $1,000 deductible, insurance only pays $200. For minor damage, you might choose to pay out of pocket rather than file a claim and risk a rate increase.
Collision Coverage During Winter Weather Events
Collision coverage pays when your vehicle hits another object or when another object hits your vehicle while it’s moving. This is where most winter weather auto insurance claims actually happen, because driving conditions deteriorate dramatically when ice or flooding are involved.
Single-vehicle accidents on icy roads are collision claims. You hit ice, lose control, and slide into a guardrail. That’s collision coverage. You’re at fault because you lost control of your vehicle, even though ice caused it. Your collision coverage pays for your vehicle damage minus your deductible, and you might see a rate increase at renewal.
Multi-vehicle pileups on frozen highways involve collision claims from every vehicle involved. When black ice on I-35 causes a 20-car pileup, every driver with collision coverage can file a claim for their vehicle damage. Fault determination in multi-vehicle accidents is complex, but your collision coverage pays regardless while insurance companies sort out liability.
Running off the road due to ice or flooding activates collision coverage. If you’re driving through flooding and lose control, sliding off the roadway and into a ditch, that’s a collision claim even though water caused it. The damage happened because your vehicle collided with the ground or objects off the road.
Hitting debris in the roadway during winter storms is technically collision, not comprehensive. If a branch falls off a truck ahead of you and you hit it, or if you strike debris in the road during a storm, that’s collision coverage even though weather indirectly caused it. You’re hitting an object while your vehicle is in motion.
Undercarriage damage from driving through flooding creates collision claims that often aren’t immediately obvious. Water deep enough to reach your vehicle’s undercarriage can damage the exhaust system, suspension components, or transmission. This damage might not be apparent until days or weeks after the flooding event.
Collision coverage doesn’t care about fault in single-vehicle accidents, but it matters for rate increases. If you file a collision claim after sliding on ice, you’re technically at fault even though ice made the road dangerous. Some insurance companies are more forgiving about weather-related at-fault accidents than others, but there’s no guarantee you won’t see a rate increase.
Your collision deductible is usually higher than your comprehensive deductible. Most Texans carry $500 or $1,000 collision deductibles. If you’re in a weather-related accident and damage is $2,500, you pay your deductible and insurance pays the rest. But if damage is only slightly more than your deductible, you might consider whether filing a claim is worth potential rate increases.
The Difference Between Ice Damage and Flood Damage
Insurance companies treat ice and water very differently, and understanding the distinction matters when you’re filing claims.
Ice falling on your vehicle or accumulating on your vehicle while parked is comprehensive coverage. This is weather-related damage to a stationary vehicle. The ice itself is the cause of loss, not a collision with anything.
Water entering your engine while you’re driving through flooding is also comprehensive, but it’s preventable. If you attempt to drive through high water and your engine hydrolocks, that’s comprehensive coverage. But insurance adjusters look closely at these claims because driving into obviously deep water can be considered negligent. They’ll still pay the claim, but they might increase your rates significantly or even drop you at renewal.
Colliding with something because of ice or water is collision coverage, as we discussed. The key distinction is whether your vehicle was moving when damage occurred. Moving equals collision, stationary equals comprehensive.
Getting stuck in flooding and calling a tow truck is different from having your vehicle damaged by floodwater. If you get stuck but no damage occurs, you’re just paying for towing, which might be covered by roadside assistance if you have it. If floodwater reaches the interior and damages electrical components, that’s a comprehensive claim.
Frozen locks or frozen fuel lines aren’t insurance claims at all. These are maintenance issues, not covered damage. Same with dead batteries from extreme cold or wipers frozen to windshields. Insurance covers sudden, accidental damage, not weather-related inconveniences.
The February 2021 freeze demonstrated all these distinctions at once. Insurance companies processed comprehensive claims for vehicles damaged by falling ice and tree limbs, collision claims for vehicles that slid on ice and hit things, and complex claims where both types of coverage applied to a single incident.
What Your Liability Coverage Handles During Winter Weather
Your liability coverage protects you when you cause damage to other people or their property. Winter weather doesn’t change how liability works, but it certainly increases the chances you’ll need it.
If you slide on ice and hit another vehicle, your liability coverage pays for the other driver’s vehicle damage and injuries. You’re at fault for the accident even though ice contributed. Texas law requires you to maintain control of your vehicle regardless of conditions. Failing to do so makes you liable for resulting damage.
Multi-vehicle accidents complicate liability because multiple drivers might share fault. Texas uses proportionate responsibility, meaning fault can be split among drivers. In a pileup, the first driver who lost control might be primarily at fault, but other drivers who followed too closely or drove too fast for conditions might share responsibility.
Hitting a pedestrian because you couldn’t stop on ice doesn’t eliminate your liability. This is harsh but true. You’re responsible for maintaining control and adjusting your driving to conditions. If you hit someone because you slid on ice, your liability coverage pays their medical expenses and other damages, but you’re legally liable for the accident.
Property damage liability covers more than just vehicles. If you slide into someone’s fence, mailbox, or house, your property damage liability pays for repairs. This matters more during ice events when vehicles leave roadways and strike property that normally wouldn’t be at risk.
Your liability limits matter more during winter weather because accidents tend to be more severe. High-speed accidents on icy highways cause more damage and more serious injuries than typical fender benders. If you’re carrying Texas minimum liability limits of 30/60/25, you might find those limits inadequate after a serious winter weather accident.
Uninsured and underinsured motorist coverage protects you when someone else causes an accident and doesn’t have adequate insurance. During winter weather, more vehicles are on the road driven by people who don’t regularly drive in these conditions. Some of them don’t carry insurance or carry minimal coverage. Your UM/UIM coverage is what protects you when they hit you.
Geographic Risk Differences Across Texas
Where you live in Texas dramatically affects your winter weather auto insurance risk, and smart drivers adjust their coverage accordingly.
Panhandle drivers face routine ice and snow every winter. If you live in Amarillo, Lubbock, or other far northern cities, you’re dealing with frozen road conditions multiple times per year. Comprehensive and collision coverage aren’t optional here – they’re essential. You need coverage that handles weather-related damage because it’s going to happen eventually.
North Texas drivers face unpredictable but severe events. Dallas, Fort Worth, Plano, McKinney deal with long stretches of normal weather followed by intense freeze events. The problem here is lack of experience. When ice hits, most drivers haven’t driven on ice in years, if ever. Collision claims spike because people don’t know how to handle the conditions.
Central Texas experiences dangerous ice from freezing rain. Austin, San Antonio, Waco get that specific type of winter precipitation that creates black ice on bridges and overpasses. It’s invisible, unexpected, and incredibly dangerous. Drivers in these areas need collision coverage because ice-related accidents happen fast and without warning.
East Texas sees more flooding risk than ice. Tyler, Longview, Marshall get cold weather and winter rain that creates flooding conditions. The risk here is less about frozen precipitation and more about water on roadways. Comprehensive coverage matters for flood damage, and collision matters for running off flooded roads.
Gulf Coast winter means heavy rain and occasional flooding. Houston is the poster child for urban flooding. Winter rainstorms can dump 6 inches of rain in a few hours, turning highways into rivers. If you live near the coast, your winter weather auto insurance concerns are almost entirely flood-related. High water is your enemy, and comprehensive coverage is how you protect against it.
Hill Country and rural areas face all these risks depending on location. Fredericksburg, Kerrville, and other Hill Country communities get ice more often than coastal areas but less than the Panhandle. Rural highways complicate winter weather driving because response times are longer and roads might not get treated as quickly as major metro highways.
Understanding your specific geographic risk helps you make smart coverage decisions. Someone in Houston might prioritize comprehensive coverage for flooding while someone in Amarillo needs both comprehensive and collision because they’re driving on ice regularly.
How Insurance Companies Evaluate Winter Weather Claims
Filing a winter weather auto insurance claim isn’t automatic. Insurance companies investigate to determine whether the claim is legitimate and whether you were driving reasonably given the conditions.
Weather conditions at the time and location of your accident are documented. Insurance adjusters check weather reports, temperature data, and precipitation records for the exact time and place of your claim. If you claim you hit ice at 2 PM on a clear day when temperatures were 55 degrees, they’re going to question that story.
Road conditions matter for determining whether you were driving appropriately. If TxDOT closed a highway because of ice and you drove it anyway, your insurance company might deny your claim or significantly increase your rates. Ignoring warnings and driving on roads that authorities closed demonstrates negligence.
Your driving history affects how claims are handled. If this is your first weather-related claim in ten years, you’ll be treated differently than if you file weather claims every winter. A pattern of weather-related accidents suggests you’re not adjusting your driving to conditions, which is a risk factor for insurance companies.
Vehicle maintenance issues can complicate weather claims. If you slide on ice and the adjuster discovers your tires were bald, they might reduce your claim payment or deny it entirely. You’re required to maintain your vehicle in safe operating condition, and failing to do so contributes to accidents even when weather is involved.
Photos and documentation strengthen your claim. If you’re in a weather-related accident, photograph road conditions, weather conditions, your vehicle damage, and the accident scene. The more documentation you provide, the easier it is for the insurance company to process your claim quickly and fairly.
Police reports provide independent verification of conditions and circumstances. If police responded to your accident, their report documents weather, road conditions, and their assessment of what happened. This carries weight with insurance adjusters who might otherwise question your account.
The claims process moves slower during major weather events because companies are processing hundreds or thousands of claims simultaneously. After February 2021, some Texans waited weeks for adjusters to inspect their vehicles because the volume of claims overwhelmed capacity. This is frustrating but unavoidable when an entire region is affected by the same weather event.
Preventing Winter Weather Claims Through Smart Driving
The best winter weather auto insurance claim is the one you never have to file. Prevention saves you money, time, and rate increases.
Don’t drive if you don’t have to when ice or severe weather is forecast. This sounds obvious, but people make unnecessary trips during dangerous conditions all the time. If roads are iced over, that errand can wait. Your insurance covers accidents, but avoiding the accident entirely is better.
Reduce speed dramatically when roads are icy or flooded. The speed limit is for ideal conditions. When roads are slick, you need to drive far below the posted limit. Most ice-related accidents happen because drivers were going too fast for conditions, not because they were speeding relative to posted limits.
Increase following distance to account for longer stopping distances on slick roads. You need three to four times more distance to stop on ice than on dry pavement. The two-second rule becomes a six or eight-second rule in winter weather. If you’re following too closely and the vehicle ahead brakes suddenly, you’re sliding into them.
Avoid sudden movements – no hard braking, sharp turns, or rapid acceleration. Smooth, gradual inputs are essential on slippery surfaces. Jerky driving breaks traction and sends you into a slide. If you need to slow down, do it gradually over a long distance rather than jamming the brakes at the last second.
Never attempt to drive through water if you can’t see the road surface. This is how people end up with hydrolocked engines and totaled vehicles. If water covers the road and you can’t see pavement, find another route. It’s not worth destroying your vehicle to save five minutes.
Keep emergency supplies in your vehicle during winter months. Blankets, water, snacks, a flashlight, and a phone charger can make the difference between minor inconvenience and serious danger if you’re stranded. These items don’t prevent accidents, but they make the aftermath much more manageable.
What to Do Immediately After a Winter Weather Accident
If you’re in an accident during winter weather, what you do in the first few minutes affects your claim, your safety, and your finances.
Stop immediately and assess injuries. Don’t try to drive away from an accident, even if damage seems minor. Check yourself and your passengers for injuries. If anyone is hurt, call 911 right away. Don’t move injured people unless there’s an immediate safety threat like fire.
Move your vehicle out of traffic if possible and safe. If you’re on a highway and your vehicle is drivable, get it to the shoulder or off the road entirely. Leave your hazard lights on. In winter weather, visibility is often reduced, and other drivers might not see stopped vehicles until it’s too late.
Call police and get a written report. Even in minor accidents, having a police report helps your claim. Officers document conditions, take statements, and create an official record of what happened. Without a report, it’s your word against the other driver’s if disputes arise later.
Exchange information with other drivers involved. Get names, phone numbers, addresses, insurance company names, policy numbers, and license plate numbers. Take photos of their driver’s license and insurance card if they’ll allow it. This information is essential for filing claims.
Document everything with your phone camera. Photograph all vehicles involved, the accident scene, road conditions, weather conditions, traffic signs, and any skid marks or debris. Take wide shots showing the overall scene and close-ups of specific damage. These photos are evidence that supports your claim.
Don’t admit fault or apologize excessively. Being polite is fine, saying “I’m sorry this happened” is normal human interaction. But saying “This is completely my fault, I shouldn’t have been driving” can be used against you later. Stick to facts when talking to police and the other driver.
Call your insurance company as soon as it’s safe to do so. Most insurers have 24/7 claims lines. Reporting promptly gets your claim started and ensures you don’t forget important details while they’re fresh in your mind.
Coverage for Rental Cars During Winter Weather
If your vehicle is in the shop after a winter weather accident, you might need a rental car. Whether your insurance pays for it depends on your specific coverage.
Rental reimbursement coverage is an optional add-on that pays for rental car costs while your vehicle is being repaired after a covered claim. It typically has daily and total limits, such as $30 per day for up to 30 days. If your policy includes this coverage and you file a collision or comprehensive claim, you can rent a vehicle and insurance will reimburse you up to your limits.
Without rental reimbursement coverage, you’re paying for the rental yourself. If your vehicle is in the shop for two weeks and a rental costs $50 per day, you’re spending $700 out of pocket. For some people, that’s worth adding rental coverage to their policy. The coverage typically costs $20 to $40 per year.
Rental reimbursement only applies to covered claims, not all repairs. If your vehicle is in the shop for routine maintenance or mechanical repairs unrelated to an accident, rental coverage doesn’t apply. It’s specifically for situations where you filed an auto insurance claim that was approved.
The daily limit often isn’t enough to cover actual rental costs. If your coverage pays $30 per day but rental cars in your area cost $60 per day during winter when demand is high, you’re paying the difference. The coverage helps, but it doesn’t necessarily cover the full cost.
Some credit cards provide rental car coverage when you use the card to rent the vehicle. This coverage is usually secondary to your auto insurance, meaning it only kicks in after your insurance pays its limits. But it can supplement inadequate rental reimbursement coverage from your auto policy.
How Winter Weather Claims Affect Your Rates
This is what everyone wants to know: if I file a claim for a winter weather accident, how much are my rates going up?
At-fault collision claims typically increase your rates. If you slide on ice and hit something, that’s an at-fault claim even though weather contributed. Expect a rate increase of 20 to 40 percent depending on your insurance company, your prior claims history, and the severity of the accident.
Not-at-fault collision claims might still affect your rates depending on your insurance company. If someone slides on ice and hits your parked vehicle, you’re not at fault, but you’re filing a claim. Some insurers increase rates even for not-at-fault claims because filing any claim indicates higher risk.
Comprehensive claims affect rates less than collision claims, but they still matter. Filing a comprehensive claim for hail damage or flood damage might result in a smaller rate increase than an at-fault collision, but it’s not free. You’re demonstrating that you’re in situations where claims occur.
Multiple claims in a short period flag you as high-risk regardless of fault. If you file three weather-related claims in two years, insurance companies see you as accident-prone or making poor decisions about when and where to drive. Your rates will increase significantly, or you might get non-renewed.
Your claims history stays on your record for three to five years depending on the insurance company. That weather-related accident in 2023 affects your rates through 2026 or 2028. Even if you’re claims-free after that, the old claim still influences your premium during those years.
Shopping for new insurance after filing claims is expensive. If your current insurer increases your rates after a claim, you might think about switching companies. But the claim follows you. Any new insurer will see it when they pull your history, and they’ll price your policy accordingly.
The Role of Deductibles in Winter Weather Claims
Your deductible is the amount you pay out of pocket before insurance coverage kicks in. Choosing the right deductible matters especially for winter weather claims.
Higher deductibles mean lower premiums. If you increase your collision deductible from $500 to $1,000, you might save 10 to 15 percent on that portion of your premium. Over several years, the savings can add up to hundreds of dollars. But if you’re in an accident, you’re paying that higher deductible.
Lower deductibles mean you pay less out of pocket after an accident. If you choose a $250 deductible and file a claim, you’re only paying $250 before insurance covers the rest. This makes financial sense if you’re in accidents frequently or if you don’t have savings to cover a larger deductible.
The right deductible depends on your risk tolerance and financial situation. If you have $5,000 in an emergency fund and you’re comfortable with risk, a $1,000 deductible saves money on premiums without exposing you to financial hardship. If you’re living paycheck to paycheck, a $250 deductible makes more sense even though premiums are higher.
Consider whether minor damage is worth claiming. If you have a $1,000 deductible and damage is $1,500, you’re only getting $500 from insurance. After factoring in potential rate increases, you might be better off paying the $1,500 out of pocket and avoiding the claim entirely.
Some people increase deductibles as they build emergency savings. When you first buy a vehicle and money is tight, a $250 deductible makes sense. As you build financial stability, increasing to $500 or $1,000 saves money on premiums while still protecting you against catastrophic loss.
Texas-Specific Considerations
Texas has unique winter weather patterns and insurance regulations that affect coverage decisions.
We don’t salt roads the way northern states do. TxDOT uses sand and limited de-icing chemicals, but we don’t have the infrastructure for widespread road treatment. This means when ice hits, roads stay dangerous longer than in states with robust winter road maintenance systems. Your insurance covers accidents, but you need to adjust driving expectations accordingly.
Black ice on bridges and overpasses is the biggest winter driving hazard in Texas. Bridges freeze before road surfaces because cold air circulates above and below them. Every winter, we see multi-vehicle accidents on icy highway overpasses as drivers who are fine on the main roadway suddenly hit ice on a bridge.
Flash flooding during winter rainstorms happens fast, especially in urban areas. Houston’s flooding issues are well-documented, but San Antonio, Austin, and Dallas all deal with urban flooding during heavy winter rainfall. Insurance covers flood damage to vehicles, but avoiding flooded roads entirely is smarter than relying on coverage.
Required coverage in Texas is minimal, making adequate coverage even more important during winter weather. Texas requires 30/60/25 liability coverage, but no comprehensive or collision coverage. Driving without these coverages means you’re self-insuring for all weather-related damage to your vehicle.
Making Smart Coverage Decisions
Getting your coverage right means understanding your specific risks and choosing coverage that protects you without wasting money on coverage you don’t need.
If you live in the Panhandle or far West Texas, comprehensive and collision coverage are essential. You’re facing winter weather regularly, and the odds of weather-related damage are high enough that coverage pays for itself.
If you live in central or coastal Texas, comprehensive coverage matters more than collision in most years. Hail, flooding, and falling debris are bigger risks than ice-related collisions in these regions. But when ice does hit, collision coverage is critical because everyone on the road is inexperienced with those conditions.
If you drive an older vehicle with low value, consider dropping collision and comprehensive coverage altogether. If your vehicle is worth $3,000 and you’re carrying a $1,000 deductible, the most you’d ever collect from a total loss claim is $2,000. If your comprehensive and collision premiums combined cost $600 per year, you’re better off self-insuring after about three years.
If you drive a newer vehicle or one with significant value, comprehensive and collision coverage are non-negotiable. The cost to replace your vehicle after a winter weather total loss is too high to self-insure. Yes, the coverage costs money, but it’s far less than replacing a $35,000 vehicle out of pocket.
The Bottom Line on Winter Weather and Auto Insurance
Texas winter weather is unpredictable, regionally variable, and occasionally severe enough to catch everyone off guard. Your auto insurance responds to winter weather events based on your specific coverage, but understanding what’s covered and what isn’t makes the difference between inconvenience and financial disaster.
Comprehensive coverage handles damage while your vehicle is stationary – hail, flooding, falling ice, tree limbs. Collision coverage handles damage while driving – sliding on ice, hitting debris, running off the road in high water. Liability coverage protects you when you cause damage to others, regardless of weather. All three matter during Texas winters.
The coverage you need depends on where you live, what you drive, and your financial situation. But one thing applies to every Texas driver: winter weather happens, it’s sometimes severe, and being properly insured is cheaper than paying for damage yourself.
Want to make sure your auto insurance handles Texas winter weather properly? Call Schell Insurance at (972) 423-4546 for a coverage review. We’ve spent over 95 years helping Texas drivers get their coverage right for the risks they actually face. Whether you’re in the Panhandle dealing with regular ice or on the coast managing flood risk, we’ll make sure you’ve got the protection you need without paying for coverage you don’t.