Texas Full Coverage Insurance Requirements – One question we get asked almost every week is: I have full coverage, why won’t my insurance company pay for my injuries?
A common misconception is that “full coverage” insurance means that your policy includes all possible coverage offered by an insurance company. Usually, “full coverage” just means that your policy has what the state of Texas requires. All drivers are required to carry bodily injury liability insurance with a minimum coverage amount of $30,000 per person and $60,000 per accident to help pay for injuries and $25,000 per incident for property damages if you cause a car accident. This is often referred to as 30/60/25 coverage.
Texas Full Coverage Insurance Requirements
But what happens if you are seriously injured in an accident caused by someone else and they have little or no insurance? Unless you have Uninsured/Underinsured motorist (UM/UIM) coverage, you may be out of luck.
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UM/UIM coverage kicks in when the person who caused the accident has too little or no insurance to cover your injuries, your lost wages, future medical bills, and pain and suffering. As you can see from this chart, accidents are very expensive and even an ambulance ride and emergency room stay alone can cost well over the minimum policy limit. If you have UM/UIM coverage, you don’t have to worry about having enough money to cover those costs because your insurance company will pick up what the at-fault company didn’t.
$100,000 per person and $300,000 per accident coverage. The cost is very small – less than $10 per month in most cases – and our office offers policy reviews completely free of charge. Just call us at 713-904-1765 to set up a quick, 15-minute policy review. All we need is your declarations page and we can make suggestions on how to protect your family. Texas drivers comparing liability vs. full coverage options can better determine the right protection to meet their needs. But there are many options for auto insurance in Texas available and deciding what’s right for you can often be complicated.
All drivers need car insurance and are looking to get their protection for the cheapest price possible. Liability coverage is mandatory under Texas law, but other protections, such as comprehensive coverage, can help you save money in the long run.
Learn the key differences between liability and comprehensive coverage and which will best benefit you and your vehicle.
What Are The Auto Insurance Requirements And Coverage Details?
Understanding how you are protected is important. Here’s a breakdown of liability vs. full coverage for Texas drivers:
Both are required in Texas and can give you a baseline of coverage, but there are also some notable issues with liability-only coverage:
These are important considerations when comparing liability vs. full coverage because carrying only liability coverage can leave you without important financial protections.
Full coverage auto insurance includes the protection you get with a liability-only policy but expands it with additional coverages. A major benefit of these coverages is that they are in place to help restore your own vehicle.
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On top of liability, here are the other two coverages that make up full Texas car insurance coverage:
All three coverages together do not provide blanket coverage, however, they work together for a more complete form of protection.
Coverage isn’t the only thing that differentiates between full coverage vs. liability. Deductibles are your financial responsibility as a driver before your auto insurer provides compensation. Here’s the difference between the ranges:
It’s important to remember that the higher your deductible, the more you’ll pay after an accident, but the lower your monthly premium.
What Is Comprehensive Insurance?
This is a great way to offset some of the increased costs associated with full coverage versus liability car insurance while remaining covered against a wider range of risks.
Liability coverage is cheaper on its own but may cost you more in the long run. You can also save by buying multiple policies, raising the total price, but making each coverage cheaper in the process.
Texas drivers face some of the highest auto insurance costs in the nation for many reasons including higher risk of accidents, faster speed limits, longer commutes, etc.
Because you’re more likely to get into a car accident in the Lone Star State, you’ll have higher premiums, but you’ll also have more reason to stay more protected.
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Either way, car insurance companies assess risk and while each brand uses its own methods to determine risk, the more risk you have, the more you can expect to pay.
This is why we work with over 25 leading auto insurance companies to bring our clients the best insurance products at the lowest prices available.
To see how much you could save, get a free online auto insurance quote using our online tool. You can receive an accurate quote, quickly, with just a few clicks!
Although not required by law, many drivers in Texas can benefit from full coverage protection:
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You may not be required to carry full legal coverage, but lenders often make it a requirement.
Furthermore, drivers who lease their vehicles are likely to be required to obtain full coverage for the same reasons.
If your car is 10 years old or newer, full coverage is a great option. Since the cost of repairing a newer vehicle is usually more expensive, full coverage is preferred over liability because you will be covered against more potential risks.
No matter how you slice it, younger drivers are the most accident-prone group in Texas. Collision coverage does not consider who is at fault and can help you get your car back.
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If there is a young driver in your household, full coverage can help you avoid high repair costs in the event of a car accident.
Car accidents can easily cost tens of thousands of dollars and without the right coverages in place, you could be stuck paying for them alone.
Full coverage versus the difference in liability cost each month is more affordable than spending a large sum of money all at once after a car accident.
If you’re comparing liability insurance versus full coverage, you’ll find that regardless of any other factors, liability alone can leave you paying out of pocket for many different reasons.
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Car insurance should be suitable to meet the needs of the individual. Every driver’s needs are different and your protection should reflect this. Here are additional coverage options Texas drivers with full coverage can enjoy:
Ultimately, whether it’s comparing liability vs. full coverage car insurance or deciding on other forms of coverage, assessing your personal risk tolerance with a licensed auto insurance agent is the best way to go. to determine which coverages are important for your needs.
Finding the best auto insurance coverage for the lowest rate is easier than you think. Texas drivers should compare their rates to determine the best option for their needs, and we’re here to help.
We work for you the client instead of any single brand and have been delivering the best option for our clients since 2005. This includes keeping legal or protecting more than cheap full coverage and more.
Does Insurance Follow The Car Or The Driver In Texas? Find Out Here
By leveraging our partnerships with some of the best insurance brands in Texas, we continue to have a wider range of insurance solutions at the lowest prices on the market.
Contact us today to compare liability vs. full coverage for your needs and find the best protection at the lowest price possible. Send a texas liability insurance card by email, link, or fax. You can also download, export or print it.
Is a perfect editor for updating your papers online. Follow this straightforward guide to edit Texas liability insurance in PDF format online for free:
We have answers to the most popular questions from our customers. If you cannot find the answer to your question, please contact us.
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No, Texas is not a No Fault state. Texas is a guilty state. This means that the person responsible for the accident is also responsible for paying for the damages. Texas auto laws allow injured accident victims the ability to hold responsible parties accountable for the injuries they caused.
1991 u2013 The 72nd Legislature passed House Bill (HB) 2 and HB 62, the most comprehensive insurance reform legislation in Texas history, affecting everything from ratemaking to compulsory auto insurance liability law.
Auto liability insurance protects you if you are legally responsible for injuries or property damage in a car accident. So instead of paying out of pocket to cover someone else’s medical bills or fix their car, your insurance steps in to cover some or all of the injured party’s expenses.
Texas law requires drivers to show proof they can pay for accidents they cause. Most drivers do this by purchasing auto liability insurance. Liability insurance pays to repair or replace the other driver’s car, or other damaged property, and pays for other people’s medical expenses when you are at fault in an accident.
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Liability insurance specifically covers damages caused to other vehicles, property, and even people. Damage to your car
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