What Is Required for Car Insurance in Texas?
To stay compliant, you need to meet certain minimums for insurance coverage. You must have $60,000 for bodily injury liability for an accident and $25,000 for property damage liability. Bodily injury liability will cover other people’s injuries if you are at fault in an accident. It can also provide a legal defense if another party files a lawsuit. This can cover loss of income, medical bills, or pain and suffering. Property damage liability will cover you if you damage someone else’s property. This can be a car, a house, fence, or another type of property damaged in an accident.
Types of Optional Coverage in Texas
There are different types of optional coverage available. An agent at Wester Insurance can help you find the right insurance for your needs.
- Comprehensive and collision coverage can replace or repair your car if it is damaged, regardless of who is at fault.
- Collision coverage will cover damage to the vehicle if you are in a collision with another car.
- Comprehensive coverage will pay out if there is a loss resulting from an incident other than a collision. This can also cover damages if a fire damages your car or if it is stolen.
- Uninsured and underinsured motorist coverage can cover damages if you get into an accident with a person without adequate insurance. It will cover medical treatments and lost wages.
- Loan and lease payoff can protect you if your vehicle sustains a total loss. It will pay off the remaining loan balance. You can get this coverage for financed or leased vehicles.
- Rental reimbursement can give you rental car coverage if your vehicle isn’t drivable after an accident.
- Medical payments coverage can pay the cost of medical care for injuries or passengers due to an auto accident, regardless of who caused the accident.
- Custom parts coverage will cover any permanently attached equipment, accessories, devices, and changes made to the vehicle.
Contact Wester Insurance to get a quote on auto insurance.