Required Auto Insurance in Texas

In Texas, as in other states, the state mandates how much auto insurance is required for drivers within the state. The minimum amounts may not be enough for a serious accident, however. It is often recommended to get more coverage than the state requires in order to be better protected. If you need auto insurance, contact us now at Heaton Bennett Insurance in Austin, TX.

Liability Coverage

When you have auto insurance in Texas, you are required to have two kinds of liability coverage. Going without this coverage can result in a number of fees, fines and penalties. The coverage required by the state includes property damage liability and bodily injury liability. Both of these pay for damages done to third parties- not to you or your property. Bodily injury coverage pays for a third party’s medical bills, lost wages and even pain and suffering from an accident that you caused. The property damage coverage pays for the damage done to a third party’s vehicle, building, landscaping, etc. 

Other Coverage Types

Because liability coverage doesn’t pay for damage to your own vehicle, it’s important to have coverage for your own property, though it isn’t required by state law. If you have collision coverage, this pays for your own property damage for an accident that you cause. If you get comprehensive coverage, this will pay for a number of other things that can happen to your vehicle. This leaves you protected against risks to your vehicle when you aren’t driving it. 

Get Your Auto Policy

If you drive in Texas, it’s vital that you have auto insurance to stay legal as well as to protect yourself and others financially. If you don’t yet have auto insurance, or you want to change carriers, give us a call today at Heaton Bennett Insurance in Austin, TX.

Auto Insurance Overview

Based in Austin, TX, Heaton Bennett Insurance serves the local community with reliable coverage. We strive to make sure that our clients receive the personal coverage they need. We have working partnerships with different carriers throughout Texas and take pride in serving the local community as an independent insurance agency.

Auto Insurance Overview

Auto insurance helps keep you safe on the road. The policy covers you in multiple ways. The foundation of your policy is either comprehensive or collision coverage. Collision covers any damages to your vehicle as a result of an accident. Comprehensive coverage helps protect your vehicle if it is stolen or damaged by something other than a collision. You are protected if a natural disaster causes damage to your vehicle or if damages arise due to the severe weather that is a common occurrence in Austin, TX.

Consider the benefits of liability protection, as that is another big part of your policy. You are protected if you are held responsible for the damages resulting from an accident. Liability coverage helps you manage potential litigation regarding the other driver’s injuries. You are protected if a passenger in your vehicle is injured. The policy covers property damage as well.

You can amend your policy to add uninsured motorist coverage so that you will be covered if your vehicle is damaged by someone who does not have insurance. You can also amend your policy to cover you in emergencies. If you are traveling somewhere and your engine breaks down, you’ll need urgent attention. Roadside assistance can provide towing services. They can also help change a flat tire or jumpstart your battery.

Heaton Bennett Insurance Will Help You Stay Safe On The Road

Visit our website to learn more information about auto insurance.