• Protects drivers from financial loss in accidents while operating vehicles that are not theirs.
• Used to insure individuals who do not own a vehicle, but who frequently drive or rent vehicles.
• Only the named insured is covered under a Non–Owner policy.

Effective January 1, 2011, the mandatory minimum coverage is 30k/60k/25k which apply as follows:

• $30,000 protection on bodily injury for one person per accident.
• $60,000 protection for all bodily injury claims per accident.
• $25,000 protection of property damage per accident.

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.

Factors

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:

• Population growth
• Lower gas prices
• Distracted driving (driving while engaged in other activities such as texting, talking on the phone or to a passenger, watching videos, eating, or reading)
• Increase in the number of registered vehicles

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.

Changes to your policy

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:

• Adding or removing a car
• Changing your address
• Adding or removing a driver
• Changing your coverages

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)

• SR22s are sold when a driver’s license needs to be reinstated
• Texas requires a driver to maintain SR–22 insurance for two years from the date of filing in order to keep a valid driver’s license status
• If the policy is canceled or expires before the two–year period has elapsed, the license will be suspended
• SR22s must be issued for the named insured
• If insured is not a registered owner of a vehicle, he/she may apply for a non–owner’s policy (See Section IIIA)

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:

• Towing
• Jump Starts
• Tire Changes (with your inflated spare)
• Vehicle Fluid Delivery (cost of fluids extra)
• Lockout Assistance (cost of key cutting / replacement extra)
• Concierge Service (emergency phone call support & assistance)

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.