Auto Insurance Coverage Texas TX
Reader’s Question:
What are the types of coverage auto insurance companies offer here in Texas?
Alberto
Houston TX
There are actually eight types of auto insurance coverage that the Texas Personal Automobile Policy offers. These are: the basic liability coverage, the medical payments coverage, the personal injury protection coverage (PIP), the uninsured/underinsured motorist (UM/UIM) coverage, the collision (damage to your car) coverage, the towing and labor coverage, the stereo equipment coverage, the coverage when driving in other states, Canada and Mexico, and the coverage of new or additional automobiles.
The law in Texas requires all drivers to have the basic liability coverage. The reason behind this is that drivers are required to at least have a proof that they could actually pay for damages in an accident. This is actually important because Texas is a tort state, which means that if you are involved in an accident, if you are the one at fault, you and your auto insurance carrier are going to be responsible for all the expenses made by the damages in the accident.
All the other seven coverages are optional, but if you owe money on your car, you will also be required to have collision and comprehensive coverage. But still, auto insurance carriers may offer other alternative policies, but they must have these policies approved by the state of Texas.
Ask auto insurance companies there about the nature of these coverages.
Tags: auto insurance, auto insurance coverage, car insurance
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