In order to drive in the state of Texas, you must have liability car insurance. This coverage takes care of any injuries and damages suffered by another person in an accident for which you are at fault. What it will not cover are your own damages and injuries. While this coverage seems simple enough, there are a few important things to consider when you are deciding on a liability car insurance policy. To learn more, read the information below provided by your Carrollton TX insurance agency.
The Texas Minimum and Beyond
There are three important parts that make up a liability car insurance policy: the bodily injury maximum for one person, the bodily injury maximum for all injuries, and the property damage maximum. The bodily injury maximum for one person reflects the maximum amount of money your policy will yield to cover medical costs for one individual in one accident. The bodily injury maximum for all injuries reflects the maximum amount of money your policy will pay for all injuries regardless of the number of people injured in one accident. The last part, the property damage maximum is the maximum amount of money your policy will pay for damages to another driver’s property.
In the state of Texas, the minimum coverage requirements are $30,000 for bodily injury maximum for one person, $60,000 for bodily injury maximum for all injuries, and $25,000 for property damage maximum. It is important to remember, however, that these numbers are the minimum amount of coverage and that you can choose to increase your liability coverage.
Going Beyond Liability Coverage
Another important important reminder about liability car insurance is that it does not cover any damages, bodily or otherwise, that you suffer. Therefore, many drivers elect to go beyond liability coverage in their auto insurance policies in order to protect themselves and their property. At your Carrollton TX insurance agency, you can work with an agent to create a customized policy that works for you and your needs so that you can achieve true peace of mind.
Get a Quote from Your Carrollton TX Insurance Agency
Are you ready to discuss your auto insurance coverage options? The Jeff Van Matre Insurance Agency offers customized car insurance policies that feature a variety of coverage options ranging from liability car insurance to full coverage. Visit us online or call 972-492-8500 today discuss a policy or receive a quote. Located in Carrollton TX, we proudly serve individuals and businesses in Carrollton, Lewisville, Dallas, Irving, Plano, and surrounding communities.