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The Different Types of Texas Auto Insurance

If you own and drive a car, you are required by state law to have auto insurance in Texas. The state requires you to have insurance as a proof of financial responsibility that comes with owning a vehicle. If you are a new entrant to the insurance market, read on to know about the types of auto insurance available in Texas.

Texas auto insurance options

You can choose from a number of auto insurance coverage in the state of Texas, they are:

Liability Insurance

The state of Texas is a Tort state, where one person is considered to be at fault for causing the accident. The person at fault has to pay for the physical and property damages occurred due to the accident. You are required to have minimum liability auto insurance coverage of 30/60/25 as per the state law. This amount will often cover the cost of medical bills as well as vehicle repair costs.

In other words, as per the Texas state law you have to have coverage for Bodily Injury Liability -$30,000 per injured person up to a total of $60,000 per accident (for all injured), and Property Damage Liability coverage with a minimum limit of $25,000. If you think the minimum amount of liability insurance is too low, then you can exceed the minimum requirement and cover yourself more adequately.

Collision Insurance

Liability insurance will pay for the damages you caused to the other party in an accident. But what about the payment of damages you suffered? That is why you should consider collision insurance so that you can pay for the repair of your car if you have an accident and you are at fault. Collision insurance will cover your car’s repair costs or if the car is completely damaged, the coverage will pay you the market value of the car prior to the crash. Avoid this insurance if your car is very old and not worth the actual cost of insurance.

Comprehensive Insurance

You must remember that collision and liability insurance are for car accidents only. How can you be protected if a hurricane does damage to your car in Texas? That is why, Texas motorists sign up for comprehensive insurance that covers weather damage, animal collisions and theft. Arm your vehicle with the latest anti-theft devices to get some discounts on this insurance.

Uninsured Motorist Protection

There are many motorists on Texas roads who do not have any insurance – approximately twenty percent! In case you are in an accident caused by any such uninsured motorist, then you will have to pay for all the damages. That is why the need to sign up for uninsured motorist protection. This coverage is not mandatory by state law in the state of Texas.

Personal/Medical Injury Protection

Usually your health insurance will cover your medical bills after an accident. But to be completely protected, experts recommend motorists buy medical injury protection. This insurance pays for your medical treatment after an accident, irrespective of who was at fault for the accident.

No-Fault Insurance

This insurance pays for property damage and injury damage, regardless of who was responsible for the accident.

Gap Insurance

Texas residents can get gap insurance if their vehicle is new and they are still paying for the car. This insurance will pay its value in case the car got totally damaged; and you still have not paid all the cost of the car.

These are the different types of Auto Insurance in Texas you must find adequate coverage for yourself to be safe on the roads. Search for the best quotes online and compare quotes to get the best and most affordable auto insurance policy.

The writer is associated with In “In Texas Auto Insurance”, the leading insurance comparison portal, serving the motorists of Texas. Auto Insurance quotes from leading providers are available at the click of a button.