Texas Car Insurance Liability Options for 2024
Texas, The second-largest state in the U.S. is one of the most populated states, and in this article we will discuss the best Texas car insurance. Let us talk about the best Texas Car Insurance Liability Options for 2023 that you should have. Contents Mandatory...
Written by
Facundo Bermúdez
Published on
14 Jul 2023
Table of Contents:
Contents
Mandatory Minimum Liability Coverage
Texas law requires you to have at least $30,000 of coverage for injuries per person, up to a total of $60,000 per accident, and $25,000 of coverage for property damage. This is called 30/60/25 coverage. Let us recommend two categories of coverage. First, is “Must-Have” coverages, and second is “Should-Have” coverages. Ideally, you should get all the coverages in both categories.
Must-Have Coverages
In addition to the two types of coverage discussed above that are mandatory under Texas law, the most important non-mandatory coverages to have been bodily injury liability coverage and recommended coverage limits. We suggest that you buy bodily injury liability coverage of $100,000 per person and $300,000 per incident, at a bare minimum. However, you should buy higher limits if you have substantial assets that you want to protect. Also, there’s uninsured/underinsured motorist coverage. This is insurance coverage that comes into play when the at-fault driver has either no bodily injury liability coverage or has bodily injury liability coverage with lower coverage amounts (such as $10,000).
Should-Have Coverages
In addition to the “Must-Have” Coverages, there are some additional coverages that you should seriously regard buying, like collision coverage. This coverage will pay for the damage to your car involved in an accident, even if the accident was your fault or if the at-fault driver is uninsured. Also, gap coverage is a great option. The coverage is there to protect you and your car if it comes to total loss following an accident, and you still owe more money on the car than it’s worth. Gap coverage will pay the difference; otherwise, you will have to absorb this loss. Additionally, you should have extended personal injury protection coverage (Extended PIP). PIP coverage is one of the car insurance requirements in Texas, which will pay for 80 percent of your medical expenses and 60 percent of your lost wages up to a combined maximum of $10,000.
Personal Injury Protection (PIP) coverage
PIP or personal injury protection also known as no-fault protection helps cover expenses like medical bills, funeral costs, and lost wages after an accident no matter who’s at fault. On the other hand, there are things that PIP does not cover like property damage or any expenses for the injuries of the other driver or any injuries you attain while committing a crime, like fleeing the police.
Lastly, PIP does not cover everything, and that’s why you should consider getting bodily injury liability insurance and property damage liability insurance.
Uninsured/Underinsured Motorist Coverage
If you choose to have bodily injury liability coverage even if it’s one of the car insurance requirements in Texas, you will also be offered uninsured/underinsured motorist insurance. Usually, it comes with the same amount of coverage as you chose for bodily injury liability. It basically offers the same properties that PIP offers.
State Farm Car Insurance in Texas
What does State Farm car insurance company offer? State Farm offers a wide variety of coverage plans, which we will talk about in greater detail. Some of these plans are listed below.
Comprehensive Coverage
Comprehensive coverage protects your car against vandalism and theft happenings, or deterioration caused by severe weather conditions.
Collision Coverage
This insurance coverage guarantees that your car repair or substitute costs are taken care of in the event of a wreck, regardless of who is at fault for the accident.
Rental Reimbursement Coverage
If your vehicle is being restored after a misfortune, this coverage helps compensate you for the price of a rental.
Benefits of State Farm Car Insurance in Texas
Financial Stability
State Farm is known for its powerful financial stability and solid standing. With its extended help, the company can supply trustworthy coverage and handle claims promptly.
Wide Network of Agents
State Farm brags an extensive network of agents throughout Texas that guarantees personalized service and backing when you need it most. These agents can coach you through the process of picking the right coverage options for your distinctive events.
Affordable Rates
State Farm offers competitive rates on car insurance guidelines, allowing you to find coverage that fits within your budget. The company also supplies various discounts, such as secure driving discounts, multi-policy discounts, and discounts for cars equipped with protection features.
24/7 Claim Support
In the unlucky event of an accident, State Farm provides round-the-clock claims reinforcement. You can file an assertion online, through the State Farm mobile app, or by reaching their claims center directly.
Additional Coverage Options
Apart from the standard coverage options, State Farm offers supplementary features that can improve your policy, such as emergency roadside assistance, rideshare insurance, and coverage for custom-made parts and gear. Also, State Farm auto insurance in Texas offers comprehensive coverage, exceptional customer service, and competitive rates. You can enjoy your life in peace knowing that you have State Farm as a reliable car insurance company at your back.
How Much is Car Insurance in Texas
Texas car insurance rates are not far from the national average, with full coverage costing only $5 more than average and minimum coverage coming in at $57 less than average. Your pace is likely to vary from the average because every premium rate is based on information that is specific to you: your age, gender, credit rating and more, along with details about your car’s age, make and model.
Conclusion
In conclusion, this article offers the fine print of what car insurance liability in Texas. It also shows you that paying for car insurance can help you in many different ways, like being secured in case you get into an accident. You can rely on the insurance company to pay for the damages of your car in many situations. Plus, it’s in your benefit to have car insurance for your safety and for the safety of others as well.
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