Auto Insurance in Texas
Why You Need Car Insurance
Having car insurance is required to ensure that you have financial protection if you cause a car accident that leads to injuries to other drivers and pedestrians, and/or causes damage to property. In addition, it can help protect you and your own car. Accidents happen, so it’s a good idea to have more than the minimum coverage so that you are protected in every scenario.
Car Insurance Requirements in Texas
Texas requires you to be able to pay for damages and injuries that result from a car accident you cause. Most people do this by buying liability car insurance. In order to comply with this requirement, the policy has to have a minimum coverage of $60,000 for injuries per accident and $25,000 for property damage. Many people choose to get higher coverage limits, in order to be protected financially in the event of an accident.
Other Coverage Options
Since you are only required to have liability insurance in Texas, you may want to look at some other options to also protect your car and yourself. Your agent at Alloy Insurance Partners, serving DFW, Houston, Austin and all of Texas, can help with your options.
Collision coverage will help pay for any damages to your vehicle in the event of an accident. Comprehensive coverage will also help with damage to your vehicle, but not for accidents. It could be theft, a storm, or vandalism. Uninsured and underinsured policies help protect you from drivers that don’t have the required insurance in the state. There is also coverage for towing. You may be required to have comprehensive and collision coverage if your car is being financed. Personal Injury Protection (PIP) will help pay for your medical expenses in the event of a car accident. This includes any medical expenses, as well as lost wages due to missing time at work. It can also include household replacement services that will help pay for someone to help you with tasks that you could previously do on your own before you were injured.
Contact Alloy Insurance Partners, with offices throughout Texas, to get a quote on auto insurance. You can also compare instant quotes online from multiple carriers by using our online quoting tool.