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Insurance coverage for your vehicle may or may not require statutory accident benefits. Determining if you want to add the coverage to your policy in Dallas, Texas requires some consideration for your personal concerns regarding your vehicle and potential injuries. Even if you have medical insurance from your work, it may still be useful to add statutory accident benefits to your policy.
The Benefit
Before you can determine if you want to purchase the plan on your auto policy, it is important to evaluate the advantage of the benefit. After you are injured in an accident, the additional benefits on your policy may provide funds to help manage the expenses associated with the injuries.
Even though you may have medical coverage to handle the majority of the bills, the additional benefit can be used for your deductible, co-pay or expenses that are related to your injuries, such as equipment until a broken bone heals.
Deciding on a Plan
Even though it may be useful to obtain statutory accident benefits on your insurance, it is not a requirement. The state does not require additional coverage beyond the basic personal injury protection and liability plans. That means that you may want to add the additional protection to your plan to ensure that you have enough to cover any bills that are related to the injuries.
It can be challenging to find an insurance policy that is appropriate for your goals, concerns and your situation. Even if you have coverage for your medical bills from an employer, it may not always be enough for your needs. Contact Strack Insurance Services to talk to an independent agent for more details about your options.