New Customer

Directions: If a new customer would like an insurance quote, please enter a unique username and password for this customer that you would like to use.  Make sure you remember what username and password you use!  The username must be between 6-10 characters.  If the username you enter has already been used, you will be prompted to enter another username.

 

User Help

Directions: If you are having problems logging into Beacon's Quick Quote page, please contact Beacon Insurance at 1-800-925-7581 to get your password reset.  Please be sure your username and password is 6-10 characters long.  Thank you for your patience.

 

Bodily Injury Liability and Property Damage Liability
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Pays: Other people's expenses for accidents caused by drivers covered under your policy. This is the only auto insurance required by Texas law.   The insurance company will pay amounts for which you are legally responsible, up to your policy's dollar limits. These may include the other party's:

· Medical and funeral costs, lost wages and compensation for pain and
  suffering.

· Car repair or replacement costs and auto rental.

· Punitive damages awarded by a court.

Liability also pays attorney fees if you are sued and bail up to $250 if you are arrested.

Covers:   You, your family members, and anyone else driving with your permission, even if they don't have their own liability insurance.

· You and your family members also are covered when driving other
  people's automobiles - including rental cars - but NOT cars regularly
  available to you such as a company car.

 

Medical Payments
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Pays: Medical and/or funeral bills arising from motor vehicle accidents,
including those in which the victim was a pedestrian or a bicyclist.

Covers: You, your family members and passengers in your car, regardless of who caused the accident. You can't collect from both your medical payments and your uninsured motorist/underinsured motorist coverage for the same medical bills.

NOTE -- If your policy includes Medical Payments or PIP, your insurer is required to pay a supplemental death benefit of up to $10,000 to survivors of any covered person killed in a car accident while buckled up or protected by an airbag. To collect, a beneficiary must provide proof of death and a police report or other evidence that the victim was protected by an airbag or seatbelt.

 

Uninsured/Underinsured Motorist Bodily Injury Liability
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Pays: Your losses from an accident caused by a hit-and- run driver or an uninsured motorist, up to your policy's dollar limits. Also pays if the other driver did not have enough insurance to cover all your expenses.

· Bodily injury UM/UIM pays without deductibles for medical bills, lost
  wages, pain and suffering, disfigurement and permanent or partial
  disability.

NOTE -- Your UM/UIM insurance pays for a hit-and-run accident only if you promptly report it to the police.

Covers:   You, your family members, passengers in your car and anyone driving with your permission.

Insurers must offer UM/UIM coverage, but you can reject it in writing.

Uninsured Motorist Property Damage Liability
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This coverage protects you against damages caused by those who are not insured. It pays for your property damages.

Pays: Property damage UM/UIM pays for auto repairs, a rental car and damage to items carried in your car. There is an automatic $250 "deductible" - an amount you pay from your own pocket.

Covers: You, your family members, passengers in your car and anyone driving with your permission.

Insurers must offer UM/UIM coverage, but you can reject it in writing.

Underinsured Motorist Bodily Injury Liability
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Pays: Your losses from an accident caused by a hit-and- run driver or an uninsured motorist, up to your policy's dollar limits. Also pays if the other driver did not have enough insurance to cover all your expenses.

· Bodily injury UM/UIM pays without deductibles for medical bills, lost  
  wages, pain and suffering, disfigurement and permanent or partial
  disability.

NOTE -- Your UM/UIM insurance pays for a hit-and-run accident only if you promptly report it to the police.

Covers: You, your family members, passengers in your car and anybody driving with your permission.

Insurers must offer UM/UIM coverage, but you can reject it in writing.

Personal Injury Protection ("PIP")
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Pays: Same as Medical Payments, plus:

· 80 percent of lost income.

· The cost of hiring someone to take on the household and caregiver
  responsibilities of an injured person.

Covers:   Same people as Medical Payments.

A company must offer you $2,500 in PIP, but you can buy more. If you don't want PIP, you must reject it in writing.

Comprehensive Deductible
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Pays:  To replace or fix your car if it is stolen or if it is damaged by causes other than a collision, such as fire, vandalism or hail. Also pays for a rent car or other temporary transportation if your car is stolen.

Covers:  Your coverage limit is your car's actual cash value, minus your deductible.

Collision Deductible

Pays: Cost of fixing or replacing your car after an accident - regardless of who was driving or who was to blame. Payment is limited to your car's actual cash value, minus your deductible. "Actual cash value" is the retail price of a car like yours before it was damaged.

Covers:   Your coverage limit is your car's actual cash value, minus your deductible.

Rental Reimbursement
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Pays: A set daily amount for a rental car if your car is stolen or is being fixed because of damage covered by your auto policy.

CAUTION -- Your policy won't pay for auto theft unless you report it to the police.