Types of Auto Insurance

In Texas, you are required to be responsible for an accident, if you are at fault. Not all of the coverage you may get is mandatory. Some items are optional. Depending on your situation and needs, you may decide to have full or partial coverage. No matter what policy you choose, you will need insurance to protect you while you are on the road.

Types of Coverage for Your Automobile

  • Liability – If you have an accident and you are at fault, liability insurance can protect you. You can have property damage and bodily injury liability, which covers you if you cause damage to another vehicle or hurt someone else.
  • Personal Injury Protection – Medical costs and funeral expenses may be covered if you cause injury to another person in an accident.
  • Uninsured and Underinsured Motorist – There are two types: property damage and bodily injury.
  • Collision – You could be covered if you receive damage to your vehicle during an accident.
  • Comprehensive – If you have damage to your vehicle that was not in an accident, for example, if your car were damage due to vandalism or an act of nature.
  • Roadside Assistance – You could get help if your car breaks down and you need to be towed.
  • Car Rental – You can get a rental if your car is being repaired due to an accident.
  • Death and Dismemberment – You could be covered if someone in your policy dies, is dismembered, or loses their sight.
  • GAP – GAP gives you the difference between the amount you owe the lender and the fair market value of your vehicle, if your car is totally lost because of an accident.

Get more information from the Plano, Texas agents at Paragon Independent Insurance Agency. They are available to help you with new or existing insurance policies.

Check list for a long car trip

Preparation beforehand can make the difference between a smooth car trip and a journey that gets interrupted because of an unexpected mishap. Here follows a check list before setting out on the road.

Make sure you have a GPS system. Modern technology has allowed one to avoid the embarrassment of asking for directions. People used to navigate the highways without GPS. Now no one can understand how they did without.

Use a roadside assistance service, such as AAA. If you happen to be on the side of the road because of an accident or breakdown, this could be a lifesaver.  Such services will also provide maps, a good backup for the GPS, and information on amenities along your route, such as rest stops, motels, and restaurants.

Check your tires, and make sure that the treads are not worn and that they have been aligned and rotated. A blown tire that has to be changed can be aggravating, to say the least.

Have your garage check your car. Auto repair shops will do an inspection of your vehicle. A worn belt or a leaky hose, for example, could ruin your car trip, so detecting and fixing problems beforehand is a good idea.

Have a hands-free cell phone installed. Talking or texting is not a good idea behind the wheel, as a rule, but a hands-free system will allow you to communicate with the outside world in case of an emergency.

Have a store of provisions packed in the car, including bottled water and snacks, such as protein bars. That way, you can stave off thirst or hunger without having to pull into an eatery. A first-aid kit is a good idea, as well.

For your insurance needs contact Paragon Independent Insurance Agency