When you’re searching for Texas auto insurance, it’s easy to get confused. There are many different kinds of coverage, and insurance underwriters use hard to understand jargon and legalese in their policies, so it’s hard to know exactly what you’re buying when you’re shopping around. This complexity can make it hard to determine if you’re getting the best possible rates on Texas auto insurance, or if you’re getting the coverage you need for the money you’re spending. In order to give you some idea of the basics of Texas auto insurance, here’s a list of six coverages that you should expect to see on every policy you consider.
Collision – If you’re involved in an accident, this Texas auto insurance coverage will pay to repair your automobile. In some cases, damage that’s caused by road hazards like potholes can also be covered. Texas auto insurance pays your claim, minus your deductible, regardless of whether you’re at fault in the accident. The insurance company has the right to sue the other driver and his insurance company if they believe he was at fault, and if they do, and prevail, it’s possible you will be reimbursed for your deductible as well. Deductibles on collision vary, and you can save money by having a high deductible, but be prepared for high out of pocket costs if you have an accident.
Comprehensive – This coverage is for almost any damage to you car that’s not due to a collision. If your car is stolen, or is in a fire, is vandalized, or strikes an animal, comprehensive coverage will pay to repair the car, minus your deductible. This is also the coverage that will pay if your windshield or other glass in your car is shattered or cracked.
Bodily Injury – If you injure someone else, Texas auto insurance will pay for their medical care up to your policy limits. Texas requires bodily injury insurance in order to drive a car in the state, but the minimum requirements are quite low, and you might be better off paying for more coverage. If someone is severely injured in a crash that you caused, you could be sued for enormous sums of money, and if you don’t have enough insurance, they could try to attach your other assets.
Personal Injury Protection – This pays for medical care for you or anyone else who’s riding in your car and is injured during a car accident. This coverage can be for small amounts, or you can pay extra for higher coverage. It can cover the cost of your lost wages while you recuperate after and injury. It can even cover funeral expenses if necessary.
Uninsured/Underinsured Motorist – If you’re involved in an accident with someone that doesn’t have insurance, or doesn’t have enough insurance to pay for the damage or injury that you’ve suffered, Texas auto insurance offers coverage to make up the difference. This coverage is also useful if you’re hit by a hit and run driver, or even if an auto strikes you when you’re a pedestrian.