Given that liability coverage pays costs associated with a third party when you cause an accident and injure another person or damage their property, you’ll want to have enough coverage to protect the entirety of your assets if sued. There are two types of liability coverage that are required in Texas – bodily injury liability and property damage liability.
The first, bodily injury liability, is money paid by the insurance company – up to your liability policy max – that is paid to others when you injure another person in an automotive accident that is your fault. Typical items covered by bodily injury liability include funeral costs, medical expenses, recovery treatments such as physical therapy, and lost wages. The second type, property damage liability, pays for damage that you cause to another vehicle or person’s property in an at fault accident. Additionally, liability can be used to pay for attorney fees and court costs if you are sued after an accident.
While it can be tempting to purchase the minimum required liability coverage, the total coverage is unlikely to be sufficient during a serious motor vehicle accident. At Strack Insurance Services in Arlington, TX we can work with you to determine how much liability coverage is ideal for your situation. Bear in mind that liability coverage does not pay for your medical bills or vehicle repair costs as it is only meant for damages you inflict while driving. Additional types of auto insurance coverage such as collision and comprehensive are designed to protect you, your loved ones, and your property in an accident.
When you need auto insurance in Arlington, TX call the company that the pros trust – Strack Insurance Services. Our friendly team of insurance professionals can answer any questions and help you customize an auto insurance policy that best meets your needs.