The first thing you need to know when you cause an automobile accident in Lufkin, TX is that you are financially responsible for damages. Unlike some states that require you to carry liability insurance coverage in case you cause an accident, Texas gives you the option to either carry insurance or show proof of financial responsibility. Financially responsible or not, once you cause an accident, you will most likely find out just how helpful a liability insurance policy can be.
Texas has a fairly healthy minimum liability insurance to the tune of $30,000 per person and $25,000 for vehicle damage, but it still may not be enough, especially if there are serious injuries or if the other car involved is a luxury car that gets totaled. The bad news is that the other party can sue you for any damages over what your insurance will pay for. With this in mind, you might want to think about contacting your independent agent about increasing your insurance amounts. Still, even the minimum insurance is better than no insurance–people with no liability insurance coverage will paying for everything out of their own pocket.
If your own car is damaged or you are injured in an accident in which you are at fault, even liability insurance won’t help you. You will need collision insurance to cover the damages to your car and either medical payments coverage or personal injury protection (PIP) insurance to cover injuries to yourself or others in your car. A PIP policy has the added benefit of paying for lost wages and other expenses.
Nobody wants or expects to cause an accident, but it can happen to anybody. In order to make sure that you are protected, you should speak to your independent agent today to make sure that you have the coverage you need.