The Need of Car Insurance in Texas

Car insurance: -

Car insurance basically protects you from the financial and legal obligations you might face if you run into a car accident. That is why it mandatory in most of the states in the US. There are many companies today who offer car insurance services.

Importance of car insurance in Texas: -

Like most of the states in the US, car insurance is obligated by the state department of Texas. Texas is one of the fast-growing and developing states in the US. With so much economic activity going around, rising number of tourists and immigrants to the state, traffic congestion is on the rise. Hence the need for car insurance has been rightly identified by the government.

If you get involved in an accident where you are at fault, car insurance saves you from a lot of hassle. You will not have to worry about the expense with regard to car repair. If the accident involves injury if some sort, car insurance will also have that taken care of. Sometimes the severity of the accident is so much that legal action is being taken. There are car insurance coverage types that take care of legal expenses as well.

Car insurance protects you not only in case of accidents, but it is helpful in recovering from loss arising from the car or car parts being stolen. This becomes especially important in areas that have high rates of theft and vandalism. If you do not have a garage where you can safely park your car, car insurance becomes more important.

Bad luck can also strike in the form of poor weather conditions. Many cars get damaged in severe snowstorms, thunderstorms, and hurricanes. If you have your car insured you need not worry about your car being damaged due to weather-related factors.

Car insurance in Texas is absolutely important simply because if you fail to do so you shall be held accountable by state law. If you are pulled over by the police and you do not have car insurance you might land into serious trouble. It is most likely that you will be imposed a heavy fine. If the offense is repeated again your driving license might also be suspended.

Different types of car insurance in Texas: -

There is a minimum level of car insurance in Texas that you must have if you are to drive legally in the state. It is as follows: -

·        $30,000 per person for bodily injury liability.

·        $60,000 for the accident as a whole.

·        $25,000 if there is any damage to property.

However, most of the time people go on to augment their insurance coverage as this level is barely enough to serve the purpose. Following are different types of car insurance in Texas.

·        Personal injury protection:

This coverage protects you against damages caused by injuries sustained by the passengers during an accident. It also pays for the wages lost due to an accident.

·        Collision coverage:

Collision coverage pays for the damage occurred to the vehicle in case of an accident. Depending on the limit and your insurance agreement you can get the vehicle repaired or replaced altogether.

·        Comprehensive coverage:

This coverage is useful to protect against damages to the car arising from any factor apart from another vehicle hitting your car. For example, an animal hitting your car, damages due to weather-related factors or in case of theft and vandalism, comprehensive coverage is useful.

Things to remember when getting car insurance: -

Getting car insurance is a long term decision so make sure you got it right the first time. Detailed research and analysis of different options available shall help you make the right choice. You can use your own personal factors such as demographics, driving habits and routine to negotiate a better car premium rate. Having said that, if you are not satisfied with the service to feel free to change as there are many companies providing car insurance in Texas.