In Texas, the state has its own laws regarding what kind of auto insurance drivers have to have and how much of it. If you own a vehicle in the state, you have to have at least the minimum amounts mandated by the state, though you can add more coverage to your policies than is required. To find out more, call us at Integra Insurance Services in Huntington, TX.
Liability Insurance in Texas
There are three separate amounts of liability insurance that are required in Texas. These include bodily injury liability. There is one amount required for the injuries to one person and another amount for everyone who had injuries from the accident. There is a third minimum amount required for property damage liability. All of these amounts are for liability, so they all pay out to third parties rather than paying for your own bodily injury and damage to your own vehicle. Even if you have the required amount of liability insurance, that may not be enough to pay for a serious accident. It’s generally recommended that you increase these amounts so that you are better covered.
Additional Auto Insurance Types
While liability is important, it isn’t the only important type of coverage. There is also collision insurance, which pays for the damages that are done to your own vehicle. This is very important for getting auto repairs or for buying a new vehicle to replace a totaled one. With the high cost of vehicles and their repairs, this is smart insurance to have. It’s also a good idea to get insurance that will cover your accident if it was caused by an uninsured or underinsured driver.
Get Your Auto Coverage
If you own a vehicle, don’t let even one day go by without insuring it. If you need insurance, give us a call now at Integra Insurance Services in Huntington, TX.