Is Auto Insurance a Must in Texas?

Thousands of Americans get killed on the roads in auto accidents annually, and tens of thousands get injured. At Paragon Independent Insurance Agency located in Plano, TX we want you to stay safe and be guarded when accidents happen. Procuring outstanding insurance coverage from a reputable insurer is a requirement to register your car and to get a license to allow you to drive your car in Texas.

Is auto insurance a must in Texas?

 Auto insurance is mandatory in Texas. Texas requires all motorists to carry minimum liability requirements on their auto insurance policy. These liability minimums include bodily injury and property damage. The advocated auto insurance minimums by the state of Texas may not be sufficient to offer formidable cover for you and your car. It’s a wise decision to consider other available optional coverages in Plano, TX. They include:

Collision coverage: It pays for repairing or replacing your car when physical damage results from a collision with another or any other stationary object. It can also safeguard your vehicle from damage resulting from driving over potholes.

Comprehensive coverage: This is non-collision coverage that will compensate for repairs or replacement of your car when physical damage arises from imminent perils such as contact with an animal, fire, and theft, subject to your deductible.

Underinsured or uninsured motorist coverage: It assists you, your family member, or your designated driver if you are hit by another motorist who is inadequately covered or they don’t have coverage at all.

Medical payments coverage: This type of coverage reimburses costs for medical expenses accrued after seeking services like surgery, X-rays, and drugs after an accident.  

Are you a driver in Plano, TX in need of a good auto insurance policy? Please call or visit our Paragon Independent Insurance Agency for detailed information about auto insurance coverage.