Represntative of PHP Agency
PHP Agency

The Brown Legacy Insurance Agency, LLC

Representative of PHP Agency  


We offer basic insurance to full coverage insurance for personal to commercial transportation.  We will recommended what is good for you base on the information you provide to us, because sometimes full coverage insurance is not always the best option.  Buy what you need - no more and no less. 

Driving without auto insurance is illegal in the State of Texas. Auto Insurance protects people from monetary ruin in the occurrence of an auto accident and it protects your car if it gets stolen, vandalized, or damaged — depending on what policy and coverage you have.

Auto insurance is mandatory because it is a necessary mean to protect drivers. If someone hits you they at least have to have liability insurance which would pay for all damages to your car.

An auto insurance policy is made up of seven parts. All these different coverages are important in fully covering you, your car, and your assets.

Auto insurance is made-up of:
  • Collision
  • Comprehensive
  • Uninsured/Underinsured motorists coverage (UM/UIM)
  • Bodily injury liability
  • Property damage liability
  • Medical payments/Personal Injury Protection (PIP)
  • Add-ons like roadside assistance and rental reimbursement

Liability insurance in Texas

Auto general liability coverage limits are for when you hit someone else, your insurance pays for their damages. Most of the time liability limits are written like this: 30/60/25. That translates to $30,000 in bodily injury coverage per person, $60,000 in bodily injury coverage per accident and $25,000 in property damage coverage per accident. Liability Insurance is very important. You want to have enough coverage to cover all your assets. For example, John Doe gets in a wreck and it is his fault. He hit a car and pushed it into the car in front of that. John Doe was carrying the state minimum of 30/60/25. The property damage to the vehicles he hit was $45,000 and the bodily injury bills were $65,000. John’s insurance company will pay up to his limits of insurance. This leaves $75,000 that John owes the people he hit. They come back and sue john for his assets. Usually carrying higher liability limits is not very much more in policy premium and as you can see it is well worth it.

Comprehensive and Collision coverage in Texas

Collision insurance coverage pays to repair your own vehicle in the episode of an accident. If you hit someone else and it is your fault then you pay your collision deductible and your insurance company pays the rest. Comprehensive insurance coverage is for accidents other then collision. This includes damages from flood, animals, fire, vandalism, or falling objects.

Medical coverage

Medical coverage insurance protects and covers medical expenses suffered by anyone in your car in an auto accident. A great part of medical coverage is it will pay no matter what party caused the accident. Although if the other person caused the accident then your insurer may file against them, meaning it will inquire about damages from the other party.

Uninsured/underinsured motorist coverage

Uninsured motorist coverage pays for liability and medical payments in the event an uninsured driver or vehicle hits you. Underinsured motorist coverage covers you if someone hits you and does not have enough liability. For example, if some is driving around with state minimum liability. Which is usually $25,000 per person / $50,000 per accident and injures you in a car accident causing $100,000 of medical bills to you. Then the person who hit you insurance would pay out to $25,000. If you have underinsured motorist coverage it would cover the difference.


Add-ons like rental reimbursement, towing, and roadside assistant may seem like they are deluxe coverages, but for how much they cost, they are well worth it when you need them.

  • Rental reimbursement or sometimes referred to as extended transport expense pays for a rental car if your vehicle is stolen or in the shop for repair from an accident. The coverage is usually displayed as $25 per day / $800 per accident limit.
  • Towing and roadside assistance are a must have. If you don’t have AAA then you need to have one attached to your auto policy. Usually it is a dollar or two a month.