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Get the Best Auto Insurance in TX
Should you request Auto Liability Quotes from the Best Auto Insurance in TX?
Auto Liability Insurance, who needs It?
Well, quite frankly, everyone who operates a vehicle!
What is liability car insurance?
Liability insurance provides protection of your assets when you are at fault in an accident and there is a personal injury or damage to the property of the other driver’s vehicle. Last time I checked, medical bills and car repairs can easily go from minor to life altering in a heartbeat.
One thing to keep in mind is that liability does not cover your cost so that could be a double whammy if you are also seriously injured. By stepping in and picking up some or all the bill for the other injured parties, having the correct liability coverage could be the difference between an unfortunate situation and a nightmare.
The best way to determine what coverage is right for you is to understand what type of coverage is available. The best place to do this is on your declaration page. It’s normally the first page of your insurance policy. It explains which vehicles are covered, what your annual premium is, and how much of each coverage you have.
There are three main limits of liability insurance in an auto policy. You usually see them expressed something like this 30/60/25 which are the minimums in the state of Texas. A lot of folks refer to this as “full coverage” but you will see in a moment that might not be so accurate. We don’t consider this to be the best auto insurance in TX.
The first number “30” in the example above refers to $30,000. This is the maximum amount that your insurance company will pay for injuries per person in an accident.
The second number “60” in the example above refers to $60,000. This is the maximum amount that your insurance company will pay per accident for everyone injured in an accident. Again, your personal injuries are not covered in this number.
The third number “25” in the example above refers to $25,000. This is the maximum amount that your insurance company will pay for property damage that you cause. One distinction here is that this number is per accident which means if you are accident involves multiple vehicle, your insurance company will only pay up to $25,000 period! You get to pay for anything above that number.
So, let’s pull up here and ask, do you have the right coverage at the right price? What else is covered by auto liability coverage?
In addition to paying for medical bills funeral cost and vehicle repair or replacement cost, auto liability also pays to cover lawyer’s and court fees if the injured party sues you. You can add in ongoing treatment or care that is necessary for recovery. Property damage is also covered by auto liability. So, if you run into a building or a telephone pole, your liability coverage kicks in. Lastly, liability covers other property the injured person might be transporting in their vehicle. The latest curved 70” web enabled tv! How much Liability insurance coverage do you need?
Auto liability insurance is designed to protect your finances when you cause an accident. It’s that peculiar part of your coverage because the car is not what you are insuring! You are insuring or protecting your assets if you are deemed at fault in an auto accident. So, how much is right for you?
When choosing your liability limits, you should consider all of your assets, including your home and future earnings. Why? Because if you don’t have enough coverage to protect all of your assets, those assets could be at risk if you’re liable for damages that exceed your coverage limit. Would you want to have to sell shares of stock or mutual funds, clear out your bank accounts or have your wages garnished to settle lawsuit!
I know that most people view auto insurance as a commodity which means that premiums rule the day. I trust that you see now that you should take some time to consider all factors before you make a purchasing decision that could come back to really bit you! Get to know your local agents and have open and honest discussions so that you can make sure that you have the right coverage at the right price for your family! Then you will know that you have the best auto insurance in TX.
Here is what the Texas Department of insurance has to say.