What is Liability Car Insurance?

guy with new carNext to a home, a car is one of the biggest investments you’ll make, and one of the most important to protect against unforeseen situations. If an automobile accident occurs, then repairing your car might not be the only expense to consider. If the accident is severe enough, you may suffer bodily injury, and depending on the circumstances, you may be responsible for vehicle damage and bodily injury to other drivers. Liability car insurance from your Carrollton insurance agency can grant you the minimum amount of coverage necessary to drive in the state of Texas. Yet, the coverage is limited and may not prove enough to protect you and your car in case of an emergency.

The Absolute Minimum

The purpose of liability car insurance is to help cover damage resulting from an accident for which you are at fault. Coverage consists of a property damage limit, as well as bodily damage limits per injured person and per accident. Liability insurance will not coverage any damage to your car or to your person, and the maximum benefits (how much the insurance company will pay) are considerably less than more comprehensive automobile insurance plans. With liability insurance, you’ll still be responsible for repairing your own vehicle and covering any medical costs that you may incur as a result of the accident.

More Extensive Coverage for More Peace of Mind

For some vehicles, especially older ones whose repairs may not be expensive, liability insurance may be all that the driver requires. A newer vehicle, however, can prove more costly to repair, and choosing an insurance plan that covers more than just damage to other drivers may prove vital to maintaining it. Aside from liability insurance, our agents will sit with you to develop a coverage plan that offers the maximum benefit for your situation while keeping your overall expense manageable. As a full service personal and business insurance agency, we can also help you develop comprehensive and affordable coverage plans for your home and business (including employees).

About Jeff Van Matre Insurance Company:

With over 20 years of experience in the insurance industry, 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 about optimizing your insurance coverage, visit us online or call 972-492-8500 today.