Make it a Point to Fully Understand Your Austin Car Insurance Policy

With the high number of auto accidents that occur on Texas roadways every year, it is essential to carry the proper car insurance. The requirement in Texas is that if a driver causes an accident, they must be able to pay for it. Very few can afford to pay for things like this out of their own pocket. That is where auto insurance comes into play. 

Auto liability insurance is one piece of car insurance, and it pays to repair or replace the other driver's car and pays for medical expenses when it is determined that you were at fault. This is the one part of Texas car insurance financial responsibility law that you must comply with. You must be covered for at least $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. Liability insurance, however, does not cover you - you need to add on other types of coverage to protect yourself. 

Other common types of coverage are collision, comprehensive, medical payments, and uninsured/underinsured motorist:

  • Collision: This is coverage for damage to your car. 
  • Comprehensive: This covers your vehicle if it is damaged by anything other than a collision, like fire or vandalism. 
  • Medical Payments: This covers your medical bills and funeral bills after an accident. 
  • Uninsured/Underinsured Motorist: This coverage keeps you safe in the event you're in an accident with someone who does not have the minimum amount of auto insurance required in Texas, or if they don't have insurance at all. It also comes into play when you are involved in a hit-and-run accident. 

The amount of coverage you need can vary, depending on how much time you spend in your car, in what part of Texas you live, and your past driving record. Don't be afraid to ask questions when you call an insurance company for a quote. 

If you were involved in a car or truck accident in Austin and you need an attorney, contact Earl Straight for a free consultation at 512-454-1331.