Auto Insurance

Auto insurance is legally required in Texas and can protect you financially after an accident. Many drivers are unsure about how much coverage they need and what types of coverage they should have. Contact Allsafe Insurance Services in Garland, Texas, to learn more about your auto insurance options.

How Much Auto Insurance Do I Need in Texas?

In Texas, drivers are required to carry liability insurance to cover the costs of any damage or injuries they may cause in an accident. Your policy must meet the state’s minimum limits.

Liability insurance may help cover third-party accident-related bodily injury claims and property damage up to the policy’s dollar limits.

It’s important to note that even if your liability policy meets the state’s requirements, it may not be enough to cover all the costs associated with an accident. If the damages exceed your policy limits, you may be responsible for paying the difference out of pocket. Your agent can help you decide how much liability coverage is appropriate.

What Auto Insurance Coverage Should I Have?

In addition to liability insurance, there are several other types of coverage your agent may recommend, including the following:

• Collision coverage may help cover the cost of repairs or replacement if your car is damaged in an accident with another vehicle or object.
• Comprehensive coverage may help cover damage to your car that does not result from a collision, such as theft, vandalism or natural disasters.
• Personal injury protection (PIP) may help cover medical expenses and lost wages for you and your passengers, regardless of who is at fault for the accident.
• Medical payments (MedPay) may help pay for medical expenses incurred by you or your passengers due to an accident, regardless of who is at fault.
• Uninsured/underinsured motorist coverage may help provide financial protection if you are in an accident with a driver who does not have enough insurance to cover the damages.

The coverage you need will depend on several factors, including your driving habits, car value and financial situation. Your agent can help determine the best coverage for your situation.

Why Is Auto Insurance Important?

Auto insurance provides financial protection in the event of an accident. Without insurance, you could be held responsible for paying for damages and injuries out of your own pocket. This can be especially devastating if you are at fault for a serious accident that results in expensive medical bills or property damage.

In addition to protecting your finances, auto insurance can provide peace of mind. Knowing that you are covered in the event of an accident can help you feel more secure on the road.

Contact Us

Allsafe Insurance Services in Garland, Texas can shop around and compare quotes from multiple insurance companies to help you get the best rates. Contact us today to get a personalized quote for auto insurance.