Car insurance in Texas is required, and you must have the minimum amount in order to satisfy the law. The law requires $30,000 of coverage for each injury, for a total of $60,000 per accident, and $25,000 for property damage. Many drivers find that the minimum amounts don't cover them due to the high prices of cars and the cost of medical care if they are involved in an accident. You can buy more insurance than the minimum to protect you if you are in an accident.
Each policy can slightly differ, so speak with your agent at J1 Insurance Agency LLC to learn more about your coverage options. There are some common things you should know. Certain policies will only cover the specifically named driver on the policy. There is also an exclusion for certain drivers. You may not be covered if you use your car in a racing event, and many policies will exclude coverage if you are using your car for a ride booking service, such as Uber or Lyft. There may be a separate policy if you are a driver for these companies. You will likely not have coverage for intentional acts resulting in an accident.
Liability coverage will apply to the people in the other car if you are involved in an accident, and will include medical costs, car repair or replacement, and car rentals. Liability coverage will also pay for any defense costs if you are sued because of an accident. Collision coverage pays for repairs on your car in the event of an accident. If you are still paying off your car, then you may be required to have this coverage in place. Comprehensive coverage will pay for other damages to your car for incidents not resulting from an accident, such as fire, vandalism, or theft. Uninsured or underinsured motorist coverage will help with expenses if you get into an accident with someone who doesn't have insurance.
Contact J1 Insurance Agency LLC to get a quote on auto insurance. Our agents can work with you to find a policy that fits your needs. Reach out to us to get started.