All About Your Liability Requirements
Learning about Texas liability car insurance and the laws governing getting automotive insurance is useful for those who want to update their insurance coverage or those who are still looking for an insurance policy.
Per Texas law, every owner of a motor vehicle is required to get Texas liability auto insurance. The statutory minimum for bodily injury in Texas is $30, 000 per person or a total of $60, 000 for all individuals in any accident. Bodily injury insurance covers death benefits or hospitalization. The minimum property damage coverage in Texas on the other hand is $25, 000 per accident.
Bodily Injury Liability Explained
Bodily injury liability is a driver’s legal liability or obligation for causing bodily or physical injuries or even death to another person due to a road mishap. This coverage ensures that in the event of an accident, the policyholder will not have to spend out-of-pocket for the other person’s hospitalization or burial. This coverage only takes effect when the policyholder is at fault.
Required in most states, it usually covers lost wages or income, hospital bills, and the pain and suffering of the injured. What bodily injury does not cover is the policyholder’s hospitalization or lost wages.
This particular coverage also protects you from having to spend a lot of money on hospitalization of pedestrians in an event that you get into a car accident.
Although the Texas law has a minimum requirement for bodily injury, one has to note that the minimum may not be enough. These laws were created long ago and since it is difficult to update them due to the long process of amending laws in general, it is up to you to talk to your insurer on how much coverage you need.
Understanding Property Damage Liability
This insurance coverage will pay for your expenses in repairing or replacing another person’s property in an event that you destroy this property because of your driving. When you hit your neighbor’s mailbox while backing up your driveway for instance, your property damage liability coverage will shoulder the expenses for the repair of the mailbox.
In the case of an accident, property damage covers expenses for the other party’s car and the possessions inside it. Like bodily injury liability, this coverage only takes effect if you are at fault.
Everyone needs this type of coverage because everyone makes mistakes so it is better to be prepared for it instead of scouring for money to pay for property you have damaged while driving.
How much coverage do you need?
This is a major question when it comes to deciding just how much coverage one would need. Whether one is talking about property damage liability or bodily injury liability, it is important to determine how much would be enough.
There are different scenarios to take into consideration. For example, hitting a regular car is not the same as hitting an expensive European car. The cost of the latter is definitely much higher than the former so this means that you should get as much coverage as you can afford.
To make sure you have the coverage you need, just enter a few details online using Cheapautoinsuranceintexas.org and get the most affordable Texas liability car insurance in your area!
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