When you step out to shop for auto insurance in Colleyville, TX, one thing is always in your mind—coverages. While the Texas government requires you to have the minimum property damage and bodily injury liability, there are so many other coverages you can buy to stay protected. It’s also important to know that what the law requires is too little and may not be enough to cover for an accident where multiple vehicles are involved. Here are some of the critical coverages to have.
Liability coverage is the most important coverage you will ever need. Whether at school, work, business, home, or on the roads, you need adequate liability coverage to pay for damage or injuries you cause or defense fees when you are sued.
Uninsured/underinsured motorist coverage
Unfortunately, we still have drivers who drive without insurance. Uninsured or underinsured motorist coverage helps reimburse you in case an uninsured driver hits you. At Jason Ridley Agency, we recommend never accepting money from uninsured drivers. Wait patiently for the police to arrive.
Comprehensive insurance covers damage or loss if your car is stolen, vandalized, or burned. If a covered peril like hail damages the car, comprehensive coverage can help repair or replace the vehicle.
Collision is a critical coverage that repairs or replaces your car if you collide with another vehicle or object. For instance, the coverage can repair the damage if you hit a stone, fence, pole, animal, or tree branch when driving.
Personal injury protection (PIP)
Your liability coverage will pay other people’s medical bills but does not pay your bills. You need to buy personal injury protection or medical payments to help pay your bills if you are injured in an accident.
Drive defensively and get to your destination safely, and above all, know the coverages you need. For more information about auto insurance coverages in Colleyville, TX, feel free to talk to any Jason Ridley Agency insurance advisor, and you will get all the help you need.