Auto Insurance Agency in San Antonio
In Texas, auto insurance isn’t just a legal must; it’s part of driving responsibly.
State law requires drivers to cover damages if they cause an accident, but the real impact goes far beyond the legal side. Accidents can lead to costly repairs, medical bills, and unexpected financial stress.
At VOS Insurance Agency, we help San Antonio drivers stay prepared with solid, reliable auto insurance coverage. Because protecting yourself also means protecting your community, and that starts with being properly insured.
Why Do You Need Car Insurance in San Antonio, TX?
Accidents don’t wait for a good time, which is why the right auto insurance matters. When the unexpected happens, a strong auto insurance policy acts as your financial safety net, helping cover repair costs and medical bills so you can get back to normal faster. At VOS Insurance, we aim to ease the stress that comes with vehicle mishaps by offering coverage you can count on.
We provide affordable auto insurance solutions for Texans, with policies tailored to fit a variety of needs and budgets. From basic protection to more specialized coverage, we’ve got you covered. That includes insurance for motorcycles, RVs, trailers, and even travel in Mexico, wherever your journey takes you, VOS has your back.
Minimum Legal Requirement for San Antonio Auto Insurance
Liability-Only Coverage:
Texas law requires all drivers, including those in San Antonio, to carry liability insurance that meets at least 30/60/25 limits:
- $30,000 bodily injury per person
- $60,000 bodily injury per accident
- $25,000 property damage per accident
What it does: Covers injuries and property damage you cause to other people when you’re at fault.
What it doesn’t do: Pay for your own car repairs, injuries, or other losses.
Liability-only coverage is the legal minimum — the bare-bones option that satisfies Texas law but leaves you exposed to most real-world risks.
Personalize your Car Insurance Policy
But in San Antonio, it’s important to build a policy that goes beyond the basics. With a standard liability policy, you can often add extra coverage to create a stronger financial safety net, one that protects more than just the bare minimum.
Here’s a quick breakdown of some key coverage options:
- Collision coverage helps pay for repairs to your car after an accident or collision.
- Comprehensive coverage handles damage from non-collision incidents like theft, vandalism, fire, or severe weather.
- Personal Injury Protection (PIP) covers medical expenses and, in many cases, lost wages for you and your passengers after an accident.
- Uninsured/Underinsured Motorist coverage protects you if you’re hit by someone without adequate insurance, or in a hit-and-run situation.
- Additional options, such as roadside assistance and rental car reimbursement, can help keep you moving even when the unexpected happens.
Talk to our VOS auto insurance agents in San Antonio to see how these coverages can be added to your policy. We’re here to help you strike the right balance between cost and protection, so you can drive with confidence.
What's Never Covered By Any Personal Auto Policy
Even the best personal policy has limits. These exclusions apply industry-wide in Texas:
- Intentional damage or illegal activity: No coverage if you cause harm on purpose, drive intoxicated, or commit a crime while driving.
- Business or commercial use: Personal policies don’t cover ride-share, delivery, or other for-profit driving unless you have a commercial or ride-share endorsement.
- Using an excluded driver: If someone specifically excluded from your policy drives your car and crashes, the claim will be denied.
- Unlisted or newly purchased vehicles not added to the policy: A vehicle not declared or added within the grace period usually isn’t covered.
- Mechanical breakdowns, wear & tear, or maintenance: Insurance only covers sudden, accidental losses, not engine failure, worn brakes, or oil changes.
- Racing or off-road use: Accidents during racing, speed testing, or off-roading are excluded.
- Nuclear, war, or government seizure: These extreme events are universally excluded in policy language.
To stay protected, always review your insurer’s Exclusions section — especially if you use your car for work, family sharing, or frequent travel around the San Antonio area.
