Deciding on an Automobile Insurance Policy in Magnolia

Posted By : Aubrey Mead , on Sep, 2017

 

Driving a car is often a necessary part of life for many people. However, accidents can happen, even for the most experienced and cautious drivers. These accidents can be costly and damaging for all of those involved. An automobile insurance policy in Magnolia can help cover many of the costs associated with an automobile accident. There are also policies that can protect the vehicle in various other circumstances, as well. It is important to choose the right coverage to ensure a driver’s needs are met.

State minimun insurance

In the state of Texas, all drivers are responsible to pay any damages that occurred during an accident they are found to have caused. An automobile insurance policy in Magnolia can be purchased to cover this financial obligation for drivers. However, they must purchase the required minimums to satisfy this obligation. This basic coverage is called 30/60/25. Coverage must provide $30,000 for each injured person, up to $60,000. In addition, property damage coverage for up to $25000 for each accident.

Collision and comprehensive

Optional insurance coverage in Texas can be beneficial for drivers and provide extra protection for various problems. Collision coverage provides protection for the policy holder’s vehicle in an accident. With basic insurance, if the driver is at fault, the insurance only covers the other vehicle’s damage. With collision coverage, the at fault driver’s vehicle is also covered. Comprehensive insurance provides coverage for any damage not caused by an accident, such as hail or fallen tree damage.

Uninsured/underinsured

Even with laws requiring drivers to have insurance, there are still many who do not have this protection or have too little to cover damages in an accident. In these cases, it can be difficult and time consuming to get the person to pay for the damages. This can often leave the person unable to get compensation for these damages. With uninsured and underinsured insurance coverage, the person can make a claim to their own insurance company for these damages when the other driver is not covered.

There are various other options available for insurance policies, including towing and labor options, as well as commercial vehicle policies. An auto insurance company can help provide the information needed to determine the right policy for each driver. Contact us for more information about options available, as well as a free quote on a policy.

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