Owning a car in Texas means you have specific legal responsibilities. You must carry auto insurance that meets the minimum liability limits required by law. This ensures that any accidents that you cause are financially covered.
Liability insurance is the minimum coverage level and will pay to handle the other driver's car repairs or replacement and any medical bills associated with the accident. Your insurance only pays when you are at fault, and it does not cover damage to your vehicle. Minimum liability coverage includes $30,000 for each injured person involved up to a maximum of $60,000 and $25,000 in property damage protection. This is listed as 30/60/25 coverage.
Before buying liability insurance, keep in mind that the coverage amounts may not pay for all damages. If more than two people are injured, medical costs may exceed the $60,000 maximum or the value of the other vehicle may be more than $25,000, you could be held personally liable for the difference. Other drivers can sue you to recover those extra costs, so you may want to buy extra coverage to avoid an unexpected bill.
In addition to protecting you from financial liability, collision insurance can also help with your damages. After an accident, your car is likely to need some repairs. Comprehensive also offers protection against damages not sustained in an accident. If your vehicle is stolen, vandalized, or takes damage from falling objects (hail, tree branches, etc.) comprehensive insurance will cover the damage after you pay the deductible.
You can also add medical coverage, Personal Injury Protection, Road Side Assistance, and other riders that will protect you and your vehicle from financial liability.
At Addax Insurance, we offer a variety of auto insurance policies for Texas drivers. Fill out our online rating tool to get a quote, or stop by one of our offices to discuss your coverage needs with an agent.