Auto insurance is important when operating a motor vehicle because it helps aid those involved in accidents financially. This is especially useful in Texas because it is a fault state, meaning any harm caused by a driver while they are on the road is their responsibility.
Furthermore, having auto insurance also acts as a piece of evidence of your financial ability to cover any future accident costs, which is required in Texas, in order to own a vehicle.
Searching for auto insurance in the San Antonio, Texas area? We’re here to help!
There are various types of auto insurance that cover different things, including:
Collision Coverage
Comprehensive Coverage
Liability insurance
Medical Payments Coverage
Personal Injury Protection
Rental Reimbursement Coverage
Towing and labor Coverage
Uninsured/Underinsured Motorist Coverage
Texas law requires you to have at least 30/60/25 coverage. This includes $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.
Policies are meant to cover expenses incurred by accidents. However, the extent of your coverage will vary depending on the policy you select. Below are the expenses that an auto insurance policy normally covers:
Medical Expenses
Automobile Repair
Lost Earnings and Compensation for Suffering
Funeral Expenses
Damage to Property and Other Structures
Please keep in mind that every policy is different, and the expenses listed above are the most typical.
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