Every driver in the state of Texas is required to have auto insurance, and there are certain amounts that every policy must have to meet certain minimum requirements. It may be advisable for you to get some additional coverage because it can give you extra protection in case of a loss. And because of rising medical costs and car prices, the state-required minimum may not be enough to cover the cost if you’re involved in an accident for which you’re at fault. That’s why you should consider looking at more coverage options.
What’s Available in the State of Texas
There are several coverage options for Texas drivers, and they can include but may not be limited to:
Liability Coverage – Every driver in the State of Texas is required to carry certain minimum amounts for both bodily injury and property damage, but buying additional amounts that can cover other losses may be advisable.
Collision Coverage – Covers any repair costs to your vehicle if you have been involved in an accident, and the insurance company will decide if it will cover the repairs or deem it a “total loss.”
Comprehensive Coverage – Covers the cost of any repairs if it was the result of a fire, vandalism, or theft. And it will include collision. Payment is limited to your car’s current cash value minus your deductible, and it won’t pay for the cost of a stolen vehicle if a police report hasn’t been filed.
Medical Payments Coverage – Pays for any medical or funeral expenses if the injury or death was caused by an accident, and it pays for anyone who has been impacted by the accident regardless of who was at fault.
Uninsured/Underinsured Motorist Coverage – Pays for any expenses related to an accident that was caused by an uninsured or underinsured motorist, and it will cover the costs associated with a hit-and-run driver. It will also cover any losses related to both bodily injury and property damage.
Towing and Labor Coverage – Pays for any towing costs if your car can’t be driven, and covers any additional labor costs (such as changing a flat tire or jump-starting your vehicle).
Rental Reimbursement Coverage – Pays for a rental car up to a certain amount per day if your vehicle has been damaged by something that’s covered under your policy.
If you want to get more information on these coverage options, be sure to get in touch with Whiteside Insurance Agency, LLC in Spicewood, TX today!
Additional Coverage Options in the State of Texas
You can purchase additional coverage that can help you replace stereo equipment, which can include the following:
If you live in Spicewood, TX and want to get an auto policy that will meet all your coverage needs, contact the office of Whiteside Insurance Agency, LLC today!