Auto Insurance in Texas

Texas requires that all drivers be able to prove financial responsibility in case of an at-fault accident. Most drivers do this by maintaining the state’s minimum amount of auto liability insurance.

Liability insurance can help pay for injuries and property damage you cause in an accident. This coverage pays to the policy’s limits, after which you may be liable for damages.

You can customize your car insurance coverage to include various policies and endorsements that may help pay to replace or repair your vehicle after a covered accident or incident. Roadside assistance, auto glass coverage and rental reimbursement can help provide financial protection for vehicle-related events beyond your control.

Although Texas requires financial responsibility of drivers, many choose to forgo auto liability insurance. Uninsured/underinsured motorist coverage can help pay to replace or repair your vehicle. It may also help pay your accident-related medical expenses if an uninsured or underinsured driver causes an accident.

Coverage for Accident-related Medical Costs

Texas drivers have two options that may help cover medical expenses after an accident, including the following:

• Medical payments coverage may help pay medical costs for you and your passengers if an accident causes injuries, regardless of fault.

• Personal injury protection may help provide broader coverage for accident-related injuries, including lost wages and other costs.

Both options have dollar limits, so it’s crucial to work with your agent to get the appropriate amount of coverage for your situation.

Factors to Consider When Choosing Auto Insurance in Texas

Your agent can help assess your personal and vehicle needs. If you drive a newer or more valuable vehicle, comprehensive and collision coverage may be worth considering to help protect your investment.

Your driving habits, such as the distance you drive daily and the types of roads you travel, can impact your risk level and insurance premiums. Frequent long-distance driving or driving in high-traffic areas may necessitate more coverage.

Your agent can also help you find discounts to potentially reduce your premium. Many insurers offer discounts for safe driving records, multiple vehicles, bundling with other types of insurance and more.

Where to Get Auto Insurance in Texas

Contact Quality Insurance Services in Irving, Texas, to learn about your auto insurance options and compare personalized quotes from reputable Texas insurers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.