In Texas, the law requires all motorists to show proof of financial responsibility if they are involved in an accident while driving. This minimum coverage includes liability auto insurance which will pay to repair the other driver’s car if you cause an accident. It also pays the medical bills and some other expenses of the other driver and his or her passengers. You must have at least $30,000 of coverage for injuries per person and up to a total of $60,000 per accident. You must also have at least $25,000 of coverage for property damage. This is called 30/60/25 coverage.
Many drivers in Texas also carry uninsured and underinsured motorist coverage which means if you are involved in an accident caused by someone who doesn’t have insurance or they don’t have enough insurance to cover your medical bills and car repair bills, this policy will kick in and cover you. It also covers your vehicle if you are the victim of a hit-and-run accident and do not know who the other driver is.
You may also ask for more auto insurance coverage, such as collision insurance. This pays to repair or replace your vehicle after a crash no matter whose fault it is and comprehensive auto insurance pays to replace your car if it is stolen or damaged by some kind of disaster, such as a fire, flood, or vandalism. Personal injury Protection coverage and medical payments coverage are similar and will pay you and your passengers’ medical bills. Personal injury protection also pays you for things like lost wages and other non-medical costs if you are involved in a crash.
There are many add-ons to insurance policies that you can obtain, such as towing and labor coverage to get your vehicle fixed when it is undrivable and rental reimbursement coverage that allows you to pay for a rental car if your vehicle is stolen or while it’s being repaired after an accident.
Enlisting the help of an experienced and knowledgeable insurance agent is the best way to find out which auto insurance coverages you need for you and your situation. The insurance agents at InsureUS in Cypress, TX are ready to serve you and all of your auto insurance needs. Call for an appointment today!