WEDNESDAY, AUGUST 23, 2023
Whether driving through Houston’s busy streets or enjoying the East Texas scenery, having appropriate auto insurance is essential. When it’s time to buy car insurance coverage, Joe Bill Mettauer Insurance in Center, Texas, is here to guide you every step of the way.
Mandatory Auto Insurance in Texas
In Texas, it’s mandatory for drivers to carry liability insurance, including the following:
- Bodily injury liability may help cover medical expenses, pain and suffering, and lost wages for others when you are at fault in an accident.
- Property damage liability may help cover accident-related damage to other people’s property, including vehicles, fences or buildings.
The state’s minimum auto liability may not provide adequate financial protection for your situation. Your agent can evaluate your options and help you determine whether you should purchase more than the minimum required amount of liability coverage.
Optional Auto Insurance Coverages
Beyond the mandatory coverages, there are various optional protections you can add to your policy, including the following:
- Collision coverage may help pay for damages to your car resulting from a collision, regardless of who is at fault.
- Comprehensive coverage may help pay for damages related to theft, vandalism, floods, fires and other non-collision-related incidents.
- Uninsured/underinsured motorist coverage may help pay for your damages if you’re hit by a driver without enough insurance or no insurance at all.
- Personal injury protection (PIP) may help pay for medical expenses, lost wages and other costs regardless of who caused the accident.
- Towing and labor coverage may help cover the towing and labor expenses if your vehicle breaks down.
- Rental reimbursement may help cover the costs of renting a car if your vehicle is in the shop for covered repairs.
- Custom parts and equipment insurance may help protect your investment in custom parts added to your insured vehicle.
If you lease or finance your vehicle, your lienholder may have auto insurance requirements. Your agent can help you shop for a policy that meets your state’s and your lienholder’s insurance mandates.
Understanding auto insurance can be challenging. With the various options available in Texas, you can tailor a policy to fit your unique needs and budget.
Contact Us
Contact Joe Bill Mettauer Insurance for an auto insurance quote today. Our expert team is committed to providing personalized service and helping you navigate your auto insurance options
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional
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