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Texas Auto Insurance Coverages

Texas residents know that their state laws require that they bear a car insurance policy if they own a car. There are stiff penalties if you are found driving in Texas, without appropriate insurance coverage. And it is far better to get good Texas car insurance than to take a possibility and drive without it. Luckily, there are a lot of options for you, to make sure that you go for the greatest car insurance policy.

Which Texas Auto Insurance Policies Do You Need To Have?

It is legally mandatory for a driver in Texas to have liability coverage and property coverage, of all the car insurance plans. Furthermore, it is required that a driver should be carrying bodily injury coverage of a least $25,000 for each person per accident, and $50,000 in total per accident. A driver is also required to carry property damage coverage of at least $25,000 per accident.

These are just the minimum coverage requirements as per the law. When you have covered these plans, you would be legal to drive within the state. But just the minimum coverage may not be the best choice. You have many options to choose from, for getting the best insurance coverage, and your Texas car insurance company can guide you with that. You can pick your options, from the optional types of coverage, as long as you have the minimum legal coverage.

Should You Opt For Any Additional Coverage?

Many drivers opt to go with extra coverage than what is required legally. This is due to the fact that the minimum coverage, generally, is not sufficient to pay for the expenses occurred, due to a car accident. In addition to that, property damage and bodily injury coverage do not present you much safety for yourself and your car.

If you want to get extra safety for yourself and your car, you would need to append extra coverage. Insurance companies will advise you to add coverage for uninsured or underinsured drivers. These types of coverage will pay for injuries that happen, when you are in a car accident with a driver, who does not have the required insurance, or a driver who does not have adequate insurance to envelop the expenses.

If you have a lien against your car then your insurance company will perhaps request you to have extra comprehensive and collision coverage. Comprehensive coverage pays for the injuries that happen, due to something other than a road accident. Collision coverage pays for the repairs or parts replacement, when your car is injured in an accident.