Your Guide to Car Insurance

car accidentIn a split second, a well-functioning car may be rendered useless. Therefore, protecting this valuable asset is very important. Texas state law requires you to carry auto insurance. However, the minimum coverage will do nothing to repair your car if you are deemed at fault for an accident. Thus, understanding the many different types of coverage available to you is very important. Knowing exactly what you will get from each option will allow you to make an informed decision about your insurance policy and protect your vehicle according to your preferences. To learn more about your auto insurance options, consult the following list provided by your Carrollton TX insurance agency.

Understanding Your Coverage

When you sit down to discuss your auto insurance needs with an experienced agent at Jeff Van Matre Insurance Agency, you will be able to collaborate with an industry professional to create a custom policy that encompasses your needs. Below are some of the coverage options you may discuss with your agent.

  1. Liability. Liability coverage takes care of damages caused to other people and their property in an accident for which you are found at fault. According to Texas law, drivers must carry a minimum of $30,000 of coverage for bodily injury for one person, $60,000 for all injuries, and $25,000 for property damage. You can and may choose, however, to increase your liability coverage beyond these minimum requirements.
  2. Collision. You are not required by Texas state law to carry collision coverage. However, collision can prove very useful as this option covers any damage that results from a collision with another vehicle.
  3. Comprehensive. Comprehensive extends your coverage umbrella to include damage to your car from sources other than car accidents. Examples include hail, theft, flood, and fire damage.
  4. Medical. Medical coverage will go toward your medical costs in the event of an auto accident. This option also covers medical expenses for any passengers that are in the car with you.

About Jeff Van Matre Insurance Agency: 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.