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In Texas, the law states that all drivers must pay for the accidents that they cause. The State requires drivers to demonstrate financial responsibility. The basic coverage required by the state is called 30/60/25. This means that each driver needs $30,000 coverage for injury to a person, $60,000 coverage for an accident and $25,000 coverage for property damage. Most people do this by purchasing liability insurance. This provides coverage for accidents and medical costs should the policy holder injure someone else. It will not, however, cover the policy holder’s medical costs if they are injured.
The costs associated with medical care and repairing or replacing a car as growing each day. These are the basic reasons that Texas drivers should consider more comprehensive policy coverage. Also, basic liability coverage may not cover all of the costs of an accident and related medical costs. If this is the case, the injured person can sue the policy holder for the additional monies. Additional insurance can protect the driver from these situations. Other types of additional coverage that are available include uninsured/underinsured motorist coverage, personal injury coverage, comprehensive and collision. Most lenders will require automobile owners to retain comprehensive or collision coverage while they are paying on their car. This ensures that the car will repaired or replaced should an accident occur. Collision coverage provides the actual cash value of the car minus depreciation if it is destroyed. It will also cover having the car repaired following an accident. Comprehensive coverage is more encompassing. It will pay for the repair and replacement of car that is stolen or damaged in a variety of situations except an accident such as hail, vandalism or fire.
The pros at Strack Insurance Services in Arlington, TX help clients get the coverage they need. Easily compare quotes on the Strack Insurance Services website then give them a call today!