Auto Insurance in Texas

What Is Required for Texas Auto Insurance?

In order to meet the minimum requirements for auto insurance in the state, residents will need to have $60,000 for all person’s bodily injury liability coverage and $25,000 for property damage liability. Liability insurance will cover accidents and damages that you cause to another person. Bodily injury liability covers costs for injuries, as well as a legal defense if you are sued for things such as loss of income or pain and suffering. Property damage liability covers other property. It is usually another car but could also be a house or a fence.

What Are Some Optional Insurance Coverages in Texas?

In order to stay fully protected in San Antonio, TX, you may want to consider discussing with your agent at Ellis Insurance Agency about these options.

Collision and comprehensive coverage will cover your own vehicle if it is damaged, regardless of who is at fault. Collision coverage will cover you when you collide with another object or vehicle, while comprehensive coverage will cover other damages that aren’t collision-related, such as vandalism.

Uninsured and underinsured motorist coverage will cover you if the person found at fault for the accident doesn’t have insurance or not enough insurance.

Loan/lease payoff covers you if the vehicle you are financing suffers a total loss. This coverage will pay the remaining loan balance.

Medical payments coverage will pay for necessary medical care for injuries that you and passengers get due to an auto accident, regardless of who is at fault for the accident.

Rental reimbursement protection will provide for a rental car if your car isn’t drivable for more than 24 hours due to a claim that is covered under collision or comprehensive coverage. This coverage can help you reduce the impact of an accident.

Custom parts and equipment coverage will insure permanently installed accessories, device, changes, and enhancements to the vehicle, other than those that were installed originally by the manufacturer.

Contact Ellis Insurance Agency, serving San Antonio, TX, to get a quote on auto insurance.