We're committed to serving Texas drivers just like we have been for more than 30 years!
We're committed to serving Texas drivers just like we have been for more than 30 years!
There are many different types of Texas car insurance, and it is important to understand what is covered under each type, and what is required by the State of Texas.
Physical damage coverage generally comes in two forms. For Texas car insurance, collision coverage is the appropriate form, though many vehicle owners also prefer to pair it with comprehensive coverage, which is a general physical coverage for basically everything except car accidents.
Collision coverage is primarily coverage against accidents, while comprehensive Texas car insurance coverage protects you against “acts of God,” vandalism, or anything else that can happen to your car.
In terms of Texas car insurance, bodily injury liability coverage is one of the utmost essentials. It protects you from the financial burden caused by any sort of physical harm inflicted by someone involved in an accident that you have caused.
Bodily injury liability is one form of the general “liability” coverages that are appropriate when we speak of Texas car insurance. The other general form is property damage coverage which protects you from being responsible towards damage incurred by someone else’s vehicle or other property.
Texas car insurance also provides for personal injury protection. As the name suggests, this covers the driver in the event of an accident. It is meant to be a coverage that aids in medical expenses related to accidents regardless of who was at fault in the collision.
The average medical expense coverage provided by personal injury protection is roughly eighty percent. The coverage not only provides for immediate health care costs, but also those that arise later as a repercussion of the accident.
Personal injury coverage is a form of Texas car insurance that is usually taken as an additional coverage. This is because most of the other policies or schemes only cover the driver against financial liability to other people involved in the accident, failing to take into account that the driver himself may also suffer injury and a financial burden due to medical expenses.
You may have wondered what happens in the event of a driver causing an accident involving you for which he does not have enough coverage to pay your incurred expenses. This is exactly the reason why underinsured motorist coverage has been developed.
In an example where the motorist at fault only has the minimum coverage required by the State, but cannot cover the full expense incurred to you, your underinsured motorist coverage will take care of the remainder for which the other driver is not covered.
It is thus important to be aware of the types of Texas car insurance available, and how it can help you in an unfortunate situation.
