It’s not enough to just buy into a policy so that your car is insured; without actually understanding your car insurance, then it might not provide the protection you really need. Given the complex nature of most car insurance policies, the best way to truly know what you’re getting is to consult personally with an independent insurance agent, like Jeff Van Matre in Carrollton, Texas.
Why Liability Insurance is Rarely Enough
If you research car insurance before purchasing your car, then you’ll learn that, in Texas, it is mandatory that you at least acquire limited liability insurance. The policy protects anyone who is involved in an accident that you cause by offering coverage for expenses related to automobile repairs and/or medical attention (if applicable). What it does not protect, however, is the policy holder—you—and if you want proper insurance coverage, then you might require more.
Is There Such a Thing as “Full Coverage”?
On the other spectrum of car insurance is the fabled “full coverage” plan, which, while popular, isn’t really a defined (or comprehensive) car insurance plan. Full coverage is meant to invoke visions of being completely protected under any circumstances; however, it’s an arbitrary term, and what a supposedly-full coverage plan entails differs between insurance companies. Instead, ask us about a complete car insurance plan, which will include a custom-designed combination of car insurance coverages that are suitable to your unique needs.
If My Car Isn’t New, Should I Still Get Complete Coverage?
By its nature, complete car insurance coverage is designed to provide the utmost protection. Yet, high-level protection might not be the right choice for a not-as-high-level car, truck, van, or other automobile. Depending on the make, model, and year of your car, and the estimated expenses it would take to repair it, you might actually benefit from a less-complex insurance policy.
ABOUT YOUR CARROLLTON INSURANCE AGENT:
With over 20 years of experience in the insurance industry, the Jeff Van Matre Insurance Agency can help you choose the right coverage plan to protect your personal and business assets and put your mind at ease. To learn more, or to get a free quote, call our Carrollton office today at 972-492-8500.