Drivers in Texas are required to carry a minimum amount of auto insurance to protect themselves and others in the event of a car accident.
Unfortunately, auto insurance agencies frequently find that the minimum required coverage is not enough, especially in accidents that result in serious injuries and substantial property damage.
In these instances, a personal auto insurance policy with higher insurance limits for both liability coverage and uninsured/underinsured motorist coverage is critical for ensuring adequate coverage will always be there regardless of what coverage another driver has.
Texas State Auto Insurance Minimums Not Always Enough
To legally operate a vehicle in Texas, all drivers must purchase auto insurance that meets or exceeds the state minimum for liability protection.
The minimum required amount of personal auto insurance for each driver is $30,000 per person for bodily injury and $60,000 per incident, plus $25,000 in property damage.
While that may seem like a good amount of money at first, auto insurance agencies stress how the costs associated with more serious accidents can easily surpass this amount.
A serious accident can result in damages in the millions of dollars.
The Right Personal Auto Insurance Protects When State Minimums Do Not
When an at-fault driver causes a serious car accident, the state minimum auto insurance levels are frequently not enough to cover the damages.
In these cases, uninsured/underinsured motorist protection will cover these damages, but only to the limits purchased by the policyholder.
For this reason, auto insurance agencies stress the importance of purchasing enough insurance to cover serious injuries and property damage as well as carrying uninsured/underinsured coverage with higher limits as well.
Drivers should always carry enough insurance to protect themselves as well as others should they ever be involved in an accident with an uninsured/underinsured driver who is at fault.
Watch This Video About Adequate Auto Insurance Coverage
In this short video, Service Insurance Group partner Brad Hurt discusses how underinsured at-fault drivers can affect others and why a personal auto insurance policy that includes adequate coverage is so important:
Always Purchase Adequate Auto Insurance Coverage
While the cost of auto insurance can be costly, all drivers must understand that sometimes the state minimum insurance requirements are not enough to provide sufficient liability protection.
Auto insurance agencies recommend that drivers purchase a policy with high enough limitations to cover a serious accident as well as additional protection for uninsured or underinsured drivers.
The right personal auto insurance policy is instrumental for getting past a serious car accident regardless of who is at fault.
An experienced auto insurance agent can help any driver get the policy that will protect them the most!
Need Personal Auto Insurance in Bryan Texas?
Service Insurance Group is the Insurance Agency to Call!
Contact Us at 979-300-7345 For An Auto Insurance Quote!
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