Everyone Wants to Know About Car insurance

by Samantha Bee CAR INSURENCE

Living in Texas car insurance is a must have. It is one of the fastest growing economies of the US. Traffic can get very congested in Texas raising the chances of accidents. Apart from this there is a lot of traveling in Texas on the highways across cities and towns for leisurely purpose. Weather has also become quite unpredictable with frequent flooding spells and harsh storms. All such changes have made Texan government quite particular about car insurance. So do you want to know more about car insurance in Texas? Here you go with a glimpse of car insurance in Texas.

Texas auto insurance requirements: -

Texas state government requires all drivers to carry the proof of insurance with them while they are driving. They could be stopped any time for inspection by the traffic warden. If you get into an accident in that situation you would be required to show that your vehicle is insured. If your driving license expires and you apply for its renewal even then you would have to demonstrate the proof of your vehicle insurance. If you need to get your car registered in such case you will have to show your vehicle insurance card as well.

Coverage options in Texas: -

· Bodily injury liability: -

The Texas government requires a minimum of $30,000 per person and $60,000 for the whole accident in the form of bodily injury liability. This coverage helps to protect you against financial loss in case of accident in which you are at fault and responsible for injuries for the other party.

· Property damage liability: -

Minimum amount of property damage liability that you must have living in Texas as required by the law is $25,000. It protects you against damages caused by an at-fault accident in which you damage the property of other party usually the vehicle.

· Personal injury protection: -

This coverage is an optional on. However, if you opt for it the minimum legal requirement is $2500. This protects you against injuries that result from an accident in which you are at fault.

· Uninsured/underinsured motorist coverage: -

This insurance is for coverage against losses that result from an accident in which an uninsured or underinsured motorist is at fault. This is also an optional coverage. However, if you go for it the minimum legal requirement is $30,000 per person, $60,000 for the accident in case of bodily injury. For property damage the minimum legal requirement is $25,000 and deductible amount of $250. This coverage is particularly useful in Texas as there are motorists who are not insured.

· Comprehensive coverage: -

Comprehensive coverage protects against damages caused by any factor other than accident such as fire, theft, vandalism or weather related factors. Living in Texas this kind of insurance can be helpful especially in areas where flooding is common.

· Collision coverage: -

This coverage protects you against damages caused to your vehicle due to accident with some other vehicle.