If you are a driver in the state of Texas or anywhere else in the United States, you must carry auto insurance. It is necessary to protect you and other drivers while you are behind the wheel in the event you get into a car accident. Having an accident without insurance can be a very messy situation, especially if there is significant damage to one or both vehicles, personal injuries sustained by you or the other driver, and injury to any passengers who may be present.
Client First Insurance Group, LLC can provide you with the coverage you need as a driver. It's important to know about Texas auto insurance requirements and add-on coverage so you know which policy to choose.
Just like other states in the country, Texas has minimum requirements regarding auto insurance. However, drivers can also increase their coverage in case they are in certain situations, such as getting into an accident with an uninsured or underinsured driver.
The state of Texas requires all drivers to have bodily injury coverage and property damage liability included in their auto insurance policies. Unlike other states, Texas is not a no-fault state, which means that if you are involved in a car accident with another driver, by law, either you or the driver of the other vehicle is held responsible and must compensate for any damage to the vehicle as well as medical expenses.
Unfortunately, the minimum auto insurance requirements are not enough if you get into an accident. Personal injury protection is a good option to add to your existing insurance policy because it can protect you and your passengers if you sustain injuries from an accident. If you don’t have this coverage, the costs of your medical expenses will have to come from your health insurance.
Uninsured and underinsured coverage is also worthwhile to add to your coverage. It protects you if you are in an accident with a hit and run driver or a driver who has no insurance or who is underinsured. Two types of this coverage exist, one for covering bodily injuries and one for property damage.
It’s important to carefully read your Client First Insurance Group, LLC insurance policy so that you understand what is covered and what is excluded. Certain things are commonly excluded in auto insurance, such as racing, ride-booking, excluded drivers, and intentional acts. To get a quote for auto insurance, contact Client First Insurance Group, LLC or try our online rating tool for quotes on auto insurance from home.