Most states in the U.S. require that all drivers have car insurance. This protects all drivers on the road if they cause an accident. Most states require that the drivers have insurance before they can legally register their vehicle. When comes to Car Insurance in South Austin TX, drivers have a few options.
Liability Car Insurance
In the State of Texas, drivers are required to have liability insurance. This is the minimum amount of insurance required by law. In order to comply with the law, there are minimum limits. These include $30,000 for each injured person, $60,000 for injuries per incident, and $25,000 for property damage. This is also the least expensive coverage that a driver can purchase in Texas.
Collision Coverage
When a driver purchases collision coverage, it would cover the damage to the insured driver’s car as well as the other car that was involved in the accident. If the vehicle is being leased, the lender or leasing company would require that the driver has this type of insurance.
Comprehensive Coverage
This type of insurance will cover the driver’s car if something happens to it that does not involve a collision with another car. This could be damage from hail, vandalism, or if the vehicle is stolen. Since accidents can happen off the road, having this type of coverage is a good idea. Like collision insurance, this type of insurance is required if the driver is financing or leasing their vehicle.
Uninsured/Underinsured Driver Coverage
According to the Texas Department of Motor Vehicles, about 20 percent of the drivers on the road are currently uninsured. Unfortunately, these drivers don’t follow the law. Because of this, they wouldn’t have the coverage to pay for damages if they were to hit another driver. This is why drivers should consider adding this coverage to their insurance plan.
If a Texas driver wants to register their vehicle or renew their registration, they would need proof of car insurance. If they want to renew their driver’s license or have their vehicle inspected, they would need to show proof of insurance. Finally, if a person is in an accident or pulled over by the police, they would need to show proof of insurance. For more information regarding the options available for Car Insurance in South Austin TX, contact Patrick Court at State Farm.
