Our agents at Insurance Over Texas, serving the Houston, TX area, want you to know that auto liability insurance is required in Texas. You must have a minimum amount of liability insurance to legally drive on public streets so that if you cause an accident, any injuries or property damage you cause will be covered by your insurance policy. They also want you to know that there are several other auto insurance coverage options to choose from. Read on for more information.
Auto Insurance Coverage Options
Comprehensive Auto Insurance
This type of coverage pays for damages to your vehicle caused by vandalism, fire, or a natural disaster. It will also help you replace your vehicle if your vehicle is stolen.
Collision Auto Insurance
Collision insurance pays for damages that result from a collision with another vehicle or stationary object.
This coverage can go towards any medical expenses and passengers in your vehicle that you may incur from an accident.
Uninsured and Underinsured Motorist Coverage
This type of auto insurance will help cover your injuries if you are involved in an accident with a driver who is not insured or underinsured.
Personal Injury Protection (PIP) Coverage
This type of auto insurance is very similar to the medical payments option since it does help you pay for the medical bills of you and your passengers. The difference is that it will also pay for things like lost wages and other nonmedical costs. Texas auto policies normally include this type of coverage, but you can drop it if you refuse it in writing.
Contact Insurance Over Texas
To create an auto insurance policy that works best for you and your situation, contact our experienced auto insurance agents at Insurance Over Texas, serving the Houston, TX area, today!