In Texas, all drivers must have adequate car insurance. The state requires a minimum of $30,000 in liability coverage per person injured, up to a total of $60,000 per accident. Drivers can purchase additional insurance to cover more than the state minimums.
Personal Injury Protection (PIP) Coverage
No one is immune to accidents. Even the most careful driver can find themselves in a situation where they are injured and their vehicle is damaged. That's why it's important to have personal injury protection (PIP) coverage as part of your auto insurance policy. PIP can cover medical expenses and lost wages regardless of who is at fault for an accident, making it a valuable resource to have in the event of an emergency.
Collision Coverage
In the state of Texas, it is required by law that all drivers have a minimum amount of liability insurance. The current minimum liability requirements are $30,000 per injured person, up to at least $60,000 per accident. However, many drivers choose to purchase insurance policies with much higher coverage limits in order to protect themselves financially in the event of an at-fault accident.
Collision coverage is one type of auto insurance that can provide additional protection for your vehicle. This coverage helps pay to repair or replace your vehicle if it is damaged or destroyed in an accident with another car, object, or surface. When determining whether or not to purchase collision coverage, it is important to consider the value of your car versus the cost of your insurance policy.
For some drivers, collision coverage may not be necessary if their car is not worth a lot of money. However, for other drivers with newer or more expensive cars, collision coverage may be worth the extra cost.
Comprehensive Coverage
If you live in Texas, it is important to know about the different types of auto insurance coverage that are available. One type of coverage that is particularly important is comprehensive coverage.
This type of coverage can help to pay for repairs or replacement of your vehicle if it is damaged in an incident that is not a collision with another vehicle. For example, if your car is damaged by hail or vandalism, comprehensive coverage can help to cover the costs.
Medical Payments Coverage
If you're hurt in a car accident, you'll be glad you had medical payments coverage. This optional form of auto insurance helps pay for your own medical expenses, as well as those of your passengers. It's a good idea to shop around and find the policy that best meets your needs.
Rental Reimbursement Coverage
If you're driving a rental car in Texas, it's important to know what your auto insurance policy covers. Rental reimbursement coverage is an optional coverage add-on that can help cover the cost of transportation expenses while your vehicle is getting repaired.
Most policies will cover the cost of a rental car up to a certain dollar amount per day for a set number of days. However, any excess of that daily limit will have to be covered by you, the insured. Fortunately, carriers usually offer such coverage at a reasonable rate.
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