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Texas Auto Insurance Liability Requirements and Important Additional Coverage Options

Whether you are a first time driver, or if you’ve been on the road for a while, auto insurance is an important part of owning and operating a vehicle.

While each state has different requirements on the amount of insurance that drivers are required to carry, optional insurance coverage options are an important part of protecting your own interests in the case of an accident.

Read on to discover some important reasons for car insurance, and see why taking out car insurance is the smart thing to do.

Liability Coverage

Texas law requires drivers to pay for any accidents that they cause. Most drivers do this by purchasing liability coverage. This important coverage protects you in case of errors for which you are found to be at fault. If you should hit another vehicle, or a pedestrian, this insurance will pay for the majority of the costs.

The current minimum liability coverage limits in Texas are $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 coverage for property damage -per accident.

-Property Damage Coverage

Property damage coverage is an important liability insurance that provides coverage for damages caused to another person’s property. Drivers in all states are required by law to carry at least $5,000 in property damage coverage.

-Bodily Injury Coverage

Bodily injury liability coverage is required in states that mandate liability coverage. This important coverage can protect you from financial responsibility if you are found to be at fault in an accident that causes injury to your passengers or any third party.

Additional Coverage

Other coverage options are available as add-ons. While these policies are not required by law, they can provide you with invaluable coverage should you become involved in an accident.

-Uninsured Motorist Coverage

Uninsured motorist insurance provides valuable protection against accidents that are caused by an uninsured driver. This coverage would pay for your medical expenses and lost wages, as well as vehicle repairs.

-Collision Insurance

Collision insurance provides reimbursement should your vehicle be involved in an accident or collision with another car or stationary object.

-Comprehensive Insurance

Comprehensive insurance coverage provides reimbursement for damage to your vehicle that is caused by scenarios other than collision. Examples of scenarios that are covered under comprehensive include floods, storms, hail damage, vandalism, and theft.