In the Lone Star State, auto liability insurance is the minimum indemnity that a driver can carry on a vehicle. Texas State Department of Motor Vehicles (DMV) requires that all insurance companies and their customers register their agreements with the department. Auto insurance registration with the DMV evidence “financial responsibility”, or the duty of a driver to compensatory damages in the case of an ‘at-fault’ accident.

Auto Insurance in Texas

Texas is a ‘fault’ state where auto accident insurance agreements are concerned. When involved in an auto accident, the responsible party in the collision must pay for injury to another person or property damage should it occur. Liability insurance provides minimum compensation on medical and hospital bills, as well as lost wages and ongoing costs associated with injury rehabilitation to a victim. Texas law provides that auto liability insurance policies meet the minimum mandated coverage amounts of $30,000 for injuries to a single person, $60,000 for injuries to multiple injury parties, and $25,000 for vehicle or property damage.

Comprehensive Collision Coverage

Vehicle owners were owing installment agreement payments on an auto loan are required to back those contracts with comprehensive collision auto insurance coverage. Damages caused by auto accident, or resulting from natural disasters or theft and vandalism, are covered in a collision insurance policy. Comprehensive insurance covers the full value of a vehicle so that a car can be repaired or replaced.

Supplemental Insurance Agreements

Texas drivers also have supplemental coverage products available to them. Personal injury car insurance protection (PIP) plans offer cover the full cost of a driver and passenger expenses in the event of an accident. Uninsured or underinsured motorist supplements protect an insured victim in a hit-and-run accident.

For auto insurance coverage in Texas, contact a licensed insurance broker with Paragon Independent Insurance Agency in Plano, TX.

Just like life, auto insurance seems to come with a never-ending array of options. Sometimes people think of the extras as nothing but a way for insurance companies to make more money, but the truth is that better coverage is more often worth it than not. Paragon Independent Insurance Agency wants you to know more about why you should consider strengthening your coverage. 

Accidents Are Expensive 

Let’s say you’re carrying around some expensive photography equipment when you accidentally hit a car in another lane. You have custom rims on your car and your equipment is damaged in the crash. The other person claims they have whiplash, and the side of their car is fairly smashed up. All of these bills for repairs will add up quickly, not to mention the loss of the equipment you’re carrying. If you only have the minimum, you would be required by law to pay any extra damage costs. Extended auto coverage will not only help cover the other person, but it can also stop you from having to make extremely expensive replacements yourself.  

You May Not Have the Right Partner 

Paragon Independent Insurance Agency serves the people of Plano, TX and does not want them to feel blindsided should something happen to their car, either on the road or off. Liability won’t cover any repairs to your own car if you’re in an accident, nor will it help you if it’s stolen. Before you put yourself in that situation, consider calling us to talk about how you can get better coverage in case something happens. If you’re in Plano, TX you owe it to yourself to protect what you have. Contact us for more information, or to get a quote for your vehicle. 

Hail damage in some parts of the country can be as regular as the risk of tornadoes. And anything that happens to be outside is going to be marked with the passing of hail, especially if the storm produced sizable ice chunks in the process. Numerous folks can remember big storms, when entire farm fields were knocked down, holes in roofs, and smashed out vehicle windows.

Plano, TX is no exception to hard storms and hail. Like a good part of Texas, the area sees its share of weather and big storms. Car policies in the region can cover the issue if the right policy is chosen ahead of time when a car owner secures coverage. And that’s where some folks find themselves in a surprise after the storm has passed, realizing they took out the wrong policy for the damage that has occurred with ice falling. Car damage isn’t cheap, and a good size hail ball can do some serious dents or window damage with the right angle and hit on a car parked outside.

For those in the Plano, TX region, Paragon Independent Insurance Agency can help quite a bit. Their agents are trained and versed in all the different types of auto coverage policies available for the area. More importantly, they can parse and clear up the confusion between specific terms, what coverage actually means, and what would happen specifically during a hail storm with a given coverage plan. There’s no reason for people to play a guessing game with mother nature. Giving Paragon a call can mean peace of mind and elimination of wondering "what if" before the next winter season and round of storms blow in.