Texas Car Insurance Case Study

Client: Maria Rodriguez*

Age: 35

Occupation: Accountant

Vehicle: 2015 Honda Civic

Annual Mileage: 12,000

Driving Record: Clean

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Situation: Maria Rodriguez is a 35-year-old accountant who lives in Houston, Texas. She recently purchased a 2015 Honda Civic and needs to obtain car insurance coverage. She has a clean driving record and drives her vehicle for personal and work purposes.

Objective: To provide Maria with the coverage she needs to protect herself and her vehicle in the event of an accident or other covered loss.

Analysis: Based on Maria's current situation, she would benefit from purchasing a comprehensive car insurance policy that includes liability coverage, collision coverage, and comprehensive coverage. Liability coverage provides protection for damages or injuries she may cause to another person or their property in an accident. Collision coverage protects her vehicle if she is involved in an accident, regardless of fault. Comprehensive coverage provides protection for damage to her vehicle from events such as theft, fire, or natural disasters.

Recommendation: Maria should purchase a comprehensive car insurance policy with a liability coverage limit of $100,000 per person and $300,000 per accident. She should also include collision and comprehensive coverage with a $500 deductible. This will provide her with the protection she needs to cover damages or injuries she may cause to another person or their property in an accident, as well as protect her own vehicle in the event of a covered loss.

Conclusion: By purchasing a comprehensive car insurance policy, Maria will be able to protect herself and her vehicle in the event of an accident or other covered loss. She will have peace of mind knowing that she is covered in the event of a liability claim, as well as protection for damage to her own vehicle from events such as theft, fire, or natural disasters.

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*Case study designed for educational purposes only.