Car insurance is one of those things you have to have, but you hope to never actually use. If you need to use your Texas car insurance, it means you’re not having a very good day. For this reason, many people don’t know much about insurance as a whole or understand what their policy entails. This is a mistake!
Don’t worry, car insurance isn’t nearly as complicated as you may fear. We’ll go over some of the basics with you here:
Basic Liability Insurance
All states require basic liability coverage. This is the type of insurance that generally protects other people’s property and physical damage should you cause an accident. Essentially, this type of insurance covers someone else’s expenses if you cause a car accident. This basic insurance acts as financial protection for other drivers. Because this type of car insurance is mandated by the state, it means any other driver who causes an accident will pay for your damages, so it is not all bad news.
This insurance covers three things:
#1 Bodily injury maximum for one person injured in an accident
#2 Bodily injury maximum for all injuries in one accident
#3 Property damage maximum for one accident
Other Insurance Offerings
In many cases, basic liability coverage isn’t enough to fully pay for the other driver’s medical expenses and property damages. Plus, it doesn’t cover anything for yours! You’d be personally responsible for picking up the remaining tab. That’s why many drivers opt for more. Collision coverage covers damages to your own vehicle from collisions with other vehicles or objects while the car is being driven. Comprehensive coverage covers damages to your own vehicle from certain types of damage not related to vehicle accidents. This might include things like natural disasters, fire, civil commotions, vandalism, theft, and damage from hitting an animal.
Premiums and Deductibles
Your premium is the amount you pay the insurance company each month in order to keep your policy active. Your deductible is how much you will have to pay out of pocket after a crash or other incident before the insurance company pays the rest. The higher the premium, the lower the deductible. If you need as low a monthly premium as possible, know that you’ll end up paying more out of pocket later on before you meet your deductible and your car insurance kicks in. For this reason, buying car insurance is more complicated than just finding the lowest price.
You want a policy through a company you can trust. You need a Texas car insurance carrier who is easy to get ahold of and treats you with respect. Of course, the price should be reasonable enough that you can actually afford to pay it! Pronto Insurance checks all these boxes!