Most states in the US require drivers to have auto insurance before they can legally register a vehicle. These laws are in place to protect drivers from other drivers on the road. Many people will buy enough insurance to cover themselves as well.
People who live in areas that don’t require insurance often buy it for the protection that it provides. Texas is a state the requires that drivers have insurance. Before a driver buys Auto Insurance in South Austin TX, they should know what is available.
Liability Coverage
Basic liability coverage meets the state’s financial responsibility requirement in Texas. This insurance would cover the people in the other car involved in an accident caused by the vehicle owner or anyone who was driving their vehicle.
It would cover the cost to repair the vehicle and for a rental car while the vehicle is being repaired. It would also cover medical costs, lost wages, and pain and suffering for the people in the other vehicle.
Collision Coverage
This type of insurance would cover the driver’s vehicle and it can be added to the liability coverage. If the driver still owes money on their vehicle, the insurance company would require that they have collision on their policy. If the driver’s car can be repaired, the insurance would pay for it. If not, the insurance would give the driver the cash value of the vehicle.
Comprehensive Coverage (Non-Collision)
This non-collision insurance would cover things such as fire, falling objects, vandalism, and any other damage to the vehicle that was caused by something other than a collision. This is often required if the driver still owes money on their vehicle.
Medical Payments Coverage
Medical payments coverage would cover the cost of the medical bills or funeral bills resulting from an accident for the driver who caused the accident and for everyone in their vehicle. It simply adds more protection for the driver.
Uninsured/Underinsured Motorist (UM/UIM)
UM/UIM would cover the driver if their vehicle was involved in a hit and run accident. It would also cover them if the motorist who caused the accident didn’t have enough insurance to cover everything. Finally, any personal property that was damaged in the vehicle would be covered.
Before a driver buys Auto Insurance in South Austin TX, they should know what is available. For more information, contact Patrick Court at State Farm.
