Auto insurance is not only one of the most common types of insurance to have but it is required in many states, including the great state of Texas. The insurance agents at the Jason Ridley Agency in Colleyville, TX have knowledge and experience with all types of insurance and understand the requirements under Texas law.

Liability Insurance

Under Texas law, all motorists are required to have at least an auto liability insurance policy that covers property damage and bodily injury. There is a minimum amount of liability insurance you must carry, along with underinsured and uninsured motorist coverage.

 Underinsured and Uninsured Motorist Coverage

You need to have underinsured and uninsured motorist coverage to protect yourself and your vehicle from a motorist that is driving illegally and does not have any type of insurance or does not have enough to cover the medical bills for injuries that you or your passenger has suffered after becoming involved in an accident with the uninsured or underinsured motorist. This also ensures your vehicle will be repaired or replaced if this type of incident occurs.

Comprehensive Coverage

This type of insurance coverage may be required by your lender if you borrowed the money to purchase your vehicle. It will pay for any damage to your auto if it is destroyed or damaged by some type of event, including a vandalism incident, a fire, or a natural disaster. It will also help replace your vehicle if it is stolen.

Collision Insurance

Collision insurance helps pay for repairs to your vehicle if you collide with another vehicle or an object.

To create the best policy for you and your vehicle, contact the trust auto insurance agents at the Jason Ridley Agency in Colleyville, TX for a quote today!

If you own a car in Colleyville, TX, you’re required to have auto insurance. Liability coverage is a must in Texas to protect other drivers in accidents you cause. At Jason Ridley Agency, we can help you make wise auto insurance choices to protect you and your family on the road. Here’s what you should know about Texas auto insurance coverage.

Liability is Mandatory

If you cause an auto accident resulting in injury or property damage to another driver, you’ll be held liable for his medical or property damage costs. Depending on the severity of the accident, this could amount to tens of thousands of dollars or more. Liability insurance helps cover these expenses to spare you from financial loss. Texas only requires minimum liability coverage. We recommend you purchase ample liability insurance to protect you against significant auto accidents you may cause.

Optional Auto Coverage

As a Texas driver, you have the option of purchasing additional auto insurance to protect your car. This coverage is in the form of collision, comprehensive, uninsured motorist (UM), and roadside assistance.

• Collision insurance covers damage to your vehicle caused by collision, whether you crash into another car, a light post, fence, tree, or wall.
• Comprehensive insurance compensates you for your vehicle’s market value if someone steals your car. It also covers repairs to your vehicle if it’s damaged by non-collision causes (hail, falling object, vandalism, etc.)
• UM insurance protects you from hit and run drivers and drivers who aren’t carrying insurance coverage.
• Roadside assistance covers minor repairs and towing costs to a repair shop if your car stops working at some point in your travels.

The right auto insurance will protect your interests at home and on the road. To purchase the auto coverage you need in Colleyville, TX, contact Jason Ridley Agency today.