When you own a vehicle in Texas, it’s important to get the auto insurance that is mandated by law. There are different types of coverage that are required to be in your auto insurance, but there are other, non-mandated types of coverage that are also important to have. When you have a vehicle in Texas and need auto insurance, give us a call now at Amy Tounget Insurance Agency LLC in Midlothian, TX.
Your Mandated Insurance
The insurance that is required by the state includes two types of coverage and three total coverage amounts. The first amount is a specific minimum amount of coverage for a single person who becomes injured in an accident that you caused. The second amount is a larger specified minimum amount for all of the people who are injured in the accident. Both of these coverage types pay for a third party’s medical bills and other expenses like lost wages after an accident. The third amount required is a specific minimum for property damage liability. This pays for the damage done to the other person’s property such as a vehicle or building damage.
Other Auto Coverage Types
It’s also important to get a couple of other coverage types in your policy, even though they are not required by law. Often, a lender will require these coverage types. Collision coverage is protection for your own property damage after you have been in an accident for which you are at fault. Comprehensive coverage also provides protection for your property damage, but it covers the vehicle when it isn’t being driven. Both of these coverage types will protect your vehicle against damage that can be expensive to pay for without this coverage.
Cover Your Vehicle
When you need auto insurance, call us at Amy Tounget Insurance Agency LLC in Midlothian, TX.