Do you know you have options in auto insurance? In Texas, vehicle owners can select from a range of types of policies to fit their specific needs. For those who are ready to invest in a new policy, it pays to understand what options you do have before you sign a new contract.
One of the key reasons to have auto insurance is to have liability protection. If you cause an accident and it injures someone or damages the other person’s property, you could be held financial responsible for the damage costs. Bodily Injury Liability is one type of policy that covers pain and suffering, medical expenses, lost wages and other types of claims against you. Property Damage Liability deals specifically with any damaged property including any loss of use.
Another option to consider is collision insurance. It pays for the damage to the vehicle caused by a rollover, collision with another vehicle or a collision with an object.
This type of insurance is available in Texas. It pays for medical and, in some cases funeral, expenses for those who are covered by the policy specifically. The policy pays out only when there is an incident involving an auto accident.
In many cases, auto owners should seek out comprehensive insurance coverage. This provides more extensive coverage including damage to a vehicle that does not result from a collision or a rollover. This includes fire, wind storms, theft, flooding, vandalism and hail. If you hit an animal, this type of insurance covers your expenses for those damages.
Having this insurance helps protect you in the event that you are in an accident in which the other person is at fault but does not have liability coverage.
To find out what your options are and what’s right for you in Lufkin, Texas or the surrounding area, contact an independent agent. You don’t have to have the wrong policy or pay too much for insurance protection.