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.
All-Tex Insurance provides coverage to the Granbury, TX community. We strive to make sure that our clients find the policies they need to be prepared for whatever challenges life throws their way. We assess each of our client’s personal situations so that we can offer them a custom policy. We are confident that we can help you regardless of your individual needs.
Auto Insurance Facts To Remember in Spring
Auto insurance covers you and your vehicle as you navigate the ever-changing road conditions daily. Driving is unpredictable, as accidents can happen at any time. Auto insurance ensures that you’ll be prepared if something unexpected happens. The policy covers your vehicle if it suffers damage due to a collision. Liability coverage protects you if you are ruled to be at fault for the collision. As you are researching coverage, think about the seasonal adjustments that you’ll have to make, such as during the Fall.
Research shows that auto theft crimes rise during the Fall. Comprehensive coverage protects you if you are a victim of auto theft.
Potential Animal Collisions
As you drive through Granbury, TX in the Spring, you may see deer and other animals. It’s important to stay alert, as hitting one of those animals can cause significant damage to your vehicle.
Rear-end collisions are common during the Fall, especially at places like the mall. If you’re heading to a popular mall to do some shopping, make sure that you avoid parking in tight spaces. That will reduce the chances of you being involved in a collision.
All-Tex Insurance Will Help You Find Coverage
Visit our website to learn more information about auto insurance.
The Granbury, TX area is a great place for anyone to live. At the same time, those who are here will find that they need to have a car to get around town. As you are in the market for a new car, you should also look for insurance. There are many reasons people here need this coverage.
Insurance is a Legal Requirement
It would be best to get auto insurance when you are in Texas because it is a legal requirement. When you are a car owner and driver in the state, you will have liability rules and regulations that need to be met. When you are looking for a new policy, you need to ensure that you meet these basic requirements. If you do not have this coverage, you could face some serious penalties.
Insurance Protects Your Vehicle
As you are shopping for a car, you will find that the purchase price can be significant. Due to this significant investment and the fact that your car is a necessity, you will want to ensure that you are properly protected with auto insurance. When you get a full policy, it will include coverage that will help you replace or repair the car following an accident, theft, or other forms of damage.
Getting a new auto insurance policy in Texas is always a good idea. When you are in the market for your next policy, it would be a good idea for you to call the team at All-Tex Insurance. Those in the Granbury, TX area and work with All-Tex Insurance will get the support needed to choose the best policy for their personal situation.
Every state – except for New Hampshire – requires that motorists carry liability insurance. For those that aren’t in the know, liability auto coverage helps pay for damage that you cause to another person or property. Your auto insurance policy will distinguish between both bodily injury liability – the amount paid to a third party for any medical bills or damages related to an injury – and property damage liability. Keep in mind that when you purchase an auto insurance policy, you will be able to choose how much liability coverage you want with the general rule of thumb of the more, the better. If your maximum bodily injury liability coverage is $100,000, then any amount over that becomes your responsibility to pay.
Since liability insurance is designed to protect your finances when you are responsible for an accident, it is imperative to have enough to cover your net worth. Therefore, start by determining your net worth, which includes any property you own, investment accounts, retirement savings, college savings, savings accounts, and more. Once you total those figures, you’ll have a better idea of how much money you are worth on paper, which is what you stand to lose if you are ever sued in an accident. While it can be tempting to choose the minimum required liability coverage because this will be the cheapest option, it may not be the best choice for every individual. Consequently, working with a reputable insurance agency can help ensure that your needs are being met.
At All-Tex Insurance in Granbury, TX, our team of auto insurance professionals knows the industry inside and out. As a result, we are the perfect agency to help you find the right policy for your needs. By taking the time to learn about our customers and educate them on the available policies, we help ensure your complete satisfaction.