In the state of Texas, you don’t actually need to have auto insurance; you do however have to prove that you could pay for any damage that you might cause in an accident where you are at fault. For the average person, the easiest way to prove that is to actually have insurance. At All-Tex Insurance in Granbury, TX, we are locally owned and operated and work with multiple carriers to provide our customers with the most choices at the best prices.
The basic amount of liability coverage you should have in Texas is 30/60/25. That is $30,000 for injuries sustained by the first injured person in an accident with a max of $60,000 for all injuries and $25,000 for damage to property. Why this might not be the right choice is that with the steep rise in medical costs, it doesn’t take long to blow through $60,000. If the cost of the injuries goes over that, you could be paying out of pocket which might prove to be a hardship. Why put your hard-earned assets at risk?
While liability coverage protects others from you, what about your vehicle? If it is damaged in an accident where you are at fault, you will need to pay for the repairs or possibly the replacement of your vehicle. If you still owe on your vehicle, you are liable for that as well. If you have collision coverage, it will pay to have your vehicle repaired or replaced so that you can carry on normally.
What if your vehicle is stolen or damaged by something that is beyond your control. Again, you would be responsible to repair or replace it. Not everyone can afford to do that. When you count on your vehicle every day, you need to make sure you have more than basic auto insurance.
Contact All-Tex Insurance in Granbury, TX when you are ready to discuss your auto insurance needs.