Insurance in Texas is Important
Health insurance is an impotant thing to have as is auto insurance. There are even stiff laws in Texas regarding Auto Insurance. When looking for auto insurance there are 6 separate coverage’s that you will need to consider. Bodily Injury liability is one. This applies to injuries that you or a designated driver may incur from someone else in an accident. You will not want to scrimp on this coverage, medical bills can be very expensive.
PIP or Personal Injury Protection covers you or the drivers and passengers of your vehicle. Property Damage Liability covers your or designated driver damages to someone’s property. This could be a house, car, lamp post, fencing or even a tree.
Collision is typically an added bonus for you. It covers the damage done to your car in the event of a collision, whether your at fault or not. It is normally not a state mandated coverage. The other is Comprehensive Coverage. Is for damage caused by something other then collision such as; theft, animals, weather or falling objects to name a few.
Last but certainly not least is your uninsured and underinsured motorist coverage. This is also a coverage the state does not force you to have, but it ions highly recommended. This insurance will cover you and passengers if you are struck by an uninsured motorist or a victim of hot and run. It will also pick up the slack if the motorist does not have sufficient coverage to cover all damages.
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