What Types Of Auto Insurance Should I Buy In Texas? A Personal Injury Lawyer’s Perspective

Most drivers in Texas believe they’re protected simply because they have the state-required minimum auto insurance coverage. Unfortunately, that assumption is often wrong and it can cost people thousands of dollars when an accident occurs. If you have been in an accident, our Dallas, TX Uber accident lawyer is here to help.

Below is a breakdown of the essential-motor vehicle related insurance every Texas should strongly consider:

1.     Texas Minimum Liability Insurance (Why it’s not enough)

Texas requires all drivers to carry liability insurance. The minimum limits are:

• $30,000 for each injured person
• $60,000 per accident
• $25,000 for property damage

These are called 30/60/25 minimum limits.

Minimum coverage sounds good until a serious accident actually occurs. Medical bills, vehicle repairs and lost income add up very fast. Totaling a new vehicle can exceed property damage limits alone. Once insurance runs out, the rest comes out of someone’s pocket. This is why many Texans choose higher limits. It is usually affordable and offers much greater protection.

2.     Uninsured and Underinsured Motorist Coverage (UM / UIM)

If you only choose one extra coverage, as a Texan, make it this one. Uninsured Motorist (UM) coverage applies when the driver who caused the crash has no insurance at all. UM steps in and pays for things like medical bills, lost wages and pain and suffering when the at-fault driver is completely uninsured.

Underinsured Motorist (UIM) coverage applies when the at-fault driver has insurance but not enough to cover all of your damages. UIM helps make up the difference between what their policy pays and what you actually need.

This extra coverage is critically important in the State of Texas. Texas has a high number of uninsured and underinsured drivers. Even when someone has insurance, it is often the minimum (explained above). If they cause the crash and they don’t have coverage or enough coverage, you may be stuck with the remaining costs, unless you have UM / UIM.

3.     Personal Injury Protection (PIP)

Personal Injury Protection often referred to as PIP is another highly valuable coverage in Texas. Unlike some states, Texas required your insurer to offer PIP, even though you can reject it. I recommend keeping it. PIP pays for medical expenses, lost wages and other injury-related expenses. PIP pays regardless of who caused the accident and it pays quickly.

4.     Collision and Comprehensive Coverage

Collision coverage covers damages from crashes while Comprehensive coverage covers damages from theft, weather, vandalism or hitting an animal. Texas sees everything from hailstorms to highway debris. If you rely on your vehicle daily, these coverages can be worth every penny.

If you have been in an auto accident and are in need of representation, contact Kelso Law today.