Auto Insurance Recommendations For Texas Drivers

Recommendations for Texas auto insurance coverage. There are certain requirements as to how much automobile insurance coverage a driver needs to carry in the state of Texas. Texas only requires motorists to carry a 30/60 bodily injury liability auto policy.

That means that in the event you’re at fault in an auto accident involving a car full of people, any one person can only recover a maximum of $30,000 and all persons involved can only recover a maximum of $60,000 combined under your insurance policy.

When you think about the medical bills, the emergency room bills, the doctor bills, and specialists, as well as lost wages, it adds up very quickly. Your insurance policy is a group of various parts that cover you in different ways. We recommend that you begin by increasing your liability coverage to the maximum amount available.

Next, we recommend you carry collision and comprehensive coverages which help cover the repair or replacing of your vehicle after, for example, a wreck, fire, or vandalism, minus the deductible. Towing and labor coverage pays for towing charges if your vehicle becomes disabled and for labor charges when your vehicle leaves you stranded. Rental coverage provides a daily allowance for a rental vehicle. 

Finally, the following 2 coverages are considered absolute must haves. Those are uninsured/underinsured coverage and personal injury protection benefits. Uninsured motorists coverage and underinsured motorist coverage pays for expenses incurred after a wreck in case the other motorist involved does not have insurance coverage or does not have enough insurance coverage to pay for the damages caused.

Personal injury protection coverage pays for

medical and funeral costs and up to 80% of

lost wages.