Yes and no; you receive some coverage under Part A (Liability Coverage) but not Part D (Coverage for Damage to Your Auto) of your policy. The policy excludes coverage for liability assumed by contract. If you have an accident in a vehicle you rented, and the accident is due to your negligence, the policy covers your negligence. The policy does not cover liability that is based solely on a contractual obligation to pay for damages caused to a rental vehicle. In other words, to protect against loss or theft caused to the rental vehicle you should purchase the rental company's damage waiver deductible
Please login and refer to your policy contract for additional conditions that may apply.
Effective January 1, 2011, the mandatory minimum coverage is 30k/60k/25k which apply as follows:
This coverage is commonly referred to as "30/60/25" which is an abbreviation. Keep in mind that this coverage only covers the third party involved in the accident and not the insured.
Changes to your auto insurance rates can be due to factors that may be beyond your control or changes that you've made to your policy.
Even if you have no recent policy changes or new violations or accidents, your premium change may be due to a general rate increase in the state of Texas. We know that premium changes have a real impact on our customers, and we want you to know that we're doing everything we can to offer you the best rate possible. Unfortunately, there are many different factors unrelated to your individual policy that can cause rates to increase. These may include the following:
Increase in costs associated with rising accident frequency. The auto industry has seen a dramatic increase in the number of claims over the last year. This increase is driven by factors such as:
More cars on the road often result in more accidents, and Pronto would need to rate all affected policies for this shared risk.
Growing costs of injury payments and auto repairs. Auto insurance claims costs include vehicle repair costs, medical costs, and at times, legal fees. Since insurance can cover services from other industries, as costs fluctuate over time in other industries, auto insurance rates are adjusted to reflect those costs. Pronto needs to account for the costs of inflation over time.
Your auto insurance premium is determined by factors including your driving experience, driving record, vehicle's safety features, and location. All of this information gives Pronto an idea of your personal risk, and your risk level can change with life changes.
The following changes to your policy may have increased or decreased your rate:
Please review your Account History for recent policy changes.
If your policy recently renewed, your price may have increased due to a new ticket(s) or a new accident(s).
(Available for 6 Month Policies)
Pronto Emergency Roadside Assistance is available on a "Sign & Drive" basis throughout the United States, Mexico, and Canada, 24 hours a day, 365 days a year. "Sign & Drive provided benefits" means you incur no out-of-pocket expense - up to a maximum benefit of $100 per incident. Pronto will provide prompt service to assist you with any of these benefits:
Service fees exceeding the maximum benefits are the responsibility of the member
Report a claim immediately. Reporting a claim will initiate an investigation including coverage and liability determination. In addition, the events of the accident will be clear in both drivers' minds and could lead to an accurate investigation.
(Available for 6 Month Policies)
In order to avoid cancellation of your policy and driving without coverage please log into your account to avoid falling into a lapse as soon as possible.
In order for coverage to continue a full payment needs to be made by the cancellation date on your policy. Please refer to your policy details in order to find policy cancellation date to avoid a lapse in coverage.
If you need a copy of your ID cards please click on the “ID cards” tab for your most recent copy that are available. You can also log into your account for more detailed policy information.
In most cases ID cards or your declarations page should be sufficient. However, if more information is being requested please contact customer service at 1-855- 200-4567 to request a letter of experience for more detailed information regarding your policy.