Texas Car Insurance Quotes

There are many different coverages when it comes to your Texas auto insurance, some are required and some are optional.  The required coverages are bodily injury liability and property damage liability.  If you’re responsible for another person’s injuries or death as the result of a vehicle accident, the bodily injury liability portion of your auto insurance policy will pay the expenses.  It can also be used if you have a lawsuit filed against you by the other person in the accident.  This does not cover your injuries or other people on your policy.  Property damage liability will cover you if your car damages other peoples property, whether it’s their car, house, fence or any other property damaged in an accident.  This can also be used if a lawsuit is filed against you.  The minimum requirements for Texas are 20/40/15, which means $20,000 for each person injured to a maximum of $40,000 for the entire accident with $15,000 in property damage coverage.
The optional coverages are also just as important and provide significant protections.  Comprehensive physical damage coverage will cover your vehicle if it is stolen, damaged by fire, animals or any other incident not resulting from a collision.  It will pay to fix your vehicle less your chosen deductible.  Collision coverage covers the damage to your car caused by an accident.  Medical payments coverage will pay your and any of your passengers medical expenses resulting from an accident as well if you’re a pedestrian hit by a car.  With the large amount of uninsured drivers out there, having uninsured motorist coverage should be considered as this will cover the medical expenses incurred by you and your passengers in an accident with an uninsured driver who is at fault.  Rental car reimbursement is also available is your car is being repaired due to an accident.
You will need to analyze your own situation to decide what optional coverages are important to you, what you can afford and what you could not afford to lose.  Having the right amount of  Texas auto insurance at the time of an accident can make all the difference financially.