Driving a car every day is one of the riskier things you do on a daily basis. This is why Texas Auto Insurance is required by the state Texas. The current state requirements for auto insurance is 30,000 / 60,000/ 25,000. This would be considered to be the absolute minimum of car insurance you would be required to carry. This undoubtedly is not a lot of liability coverage. In fact, in most cases, it wouldn’t nearly be enough! If you are carrying an auto loan the lender would require you to carry comprehensive and collision coverage as well to repair the vehicle in the event of an accident. Texas auto insurance can be a tricky thing as many people believe that they are covered in an accident. When in fact they are only covered to the policy limits. Contact ConXis Insurance your Texas Auto Insurance Agency to help you determine the correct coverage.
Many people have been told that they have “FULL COVERAGE” auto insurance. This in many cases leads to a client thinking that they have complete coverage when in fact there may be some holes in their coverage. In some cases, policy limits are lowered or a necessary coverage left off to keep the rate down. ConXis Insurance Services works to make sure that the client understands your Texas Auto Coverage. Our goal is to guide you through the process so you can make informed choices on what coverage you need.
Things you will need to understand about your Texas Auto Policy:
Liability coverage pays to repair the other driver’s car if you caused the accident. It also pays the other driver’s and his or her passenger’s medical bills and some other expenses. Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage.
Collision coverage pays to repair or replace your car after an accident.
Comprehensive (other than collision) coverage pays if your car is stolen or damaged by fire, flood, vandalism or something other than a collision.
Medical payments coverage pays your and your passengers’ medical bills. It also pays if you’re hurt while riding in someone else’s car or while walking or biking.
Personal Injury Protection (PIP)
Personal injury protection (PIP) coverage is similar to medical payments coverage. It pays your and your passengers’ medical bills. But it also pays for things like lost wages and other no-nmedical costs. All auto policies in Texas include PIP coverage. If you don’t want it, you must tell the company in writing.
Uninsured/underinsured motorist coverage pays if you’re hit by someone who didn’t have insurance or didn’t have enough to pay your medical and car repair bills. It also pays if you’re in a hit-and-run accident. Insurance companies must offer you this coverage. If you don’t want it, you must tell the company in writing.
Towing And Labor
Towing and labor coverage pays to tow your car if it can’t be driven. It also pays for labor to change a flat tire or jump-start your battery.
Rental reimbursement coverage pays for you to rent a car if yours is stolen or being repaired after an accident. Some policies also pay for taxis or ride-hailing services.
Gap Coverage is an optional car insurance coverage that helps pay off your auto loan if your car is totaled or stolen and you owe more than the car’s depreciated value. …
Windshield damage is common, and some auto policies include no-deductible glass coverage, which also includes side windows, rear windows and glass sunroofs. Or you can buy supplemental glass coverage.