In Texas as in other states, it is required that all vehicle owners have auto insurance on their vehicles. The state has minimum insurance requirements for various types of coverage that all must be included in your policy. The minimums that are required are relatively in line with those of other states, but it’s a good idea to get more than the minimum amounts of coverage so that you are protected against serious accidents.
When you need auto insurance in the state, call us at AAIGOT Insurance Agency Inc in Houston, TX.
Liability Coverage in Texas
When you drive in Texas, you are required to have two amounts for bodily injury liability and one amount for property damage liability. The bodily injury amounts include one amount for a single injured party in an accident where you are at fault. The other amount is for all of the parties who are injured in the accident. There is also an amount required for property damage, which covers the other party’s damage sustained in the accident. This may be damage to the vehicle or damage to landscaping or to a structure.
Other Auto Coverage
In Texas, personal injury protection, often called PIP, is also required. This is a small required amount of coverage that is there to pay for your own injuries after an accident. However, you can waive this coverage in writing if you don’t want to keep it. It is not recommended that you do this, as it is important coverage to have after an accident if you are injured. You may also want to get collision coverage. While this is not required, it pays for the damage to your own vehicle.
Get Auto Coverage
When you need auto insurance, call us today at AAIGOT Insurance Agency Inc in Houston, TX.