Moving Beyond Liability Coverage, Why You May Need More Auto Coverage in Austin, TX

In Texas, as in most states, drivers are required to pay for accidents they cause.  Drivers must demonstrate financial responsibility.  The basic coverage is defined as 30/60/25.  This means that every driver needs a minimum of $30,000 if someone is injured.  Additionally, drivers must cover for $60,000 for an accident and $25,000 for property damage.   Often, people purchase minimum liability insurance.  While this provides protection for an accident and covers any medical costs if someone else is injured, it does not provide for the medical expenses of the policy holder if they are injured. 

Following an accident, your will have to repair your car.  Also, if you are injured, you will have medical expenses.  Further, if the policy does not provide sufficient funds to cover the medical expenses, they can sue the driver for the additional money.  These are things that may not be covered by a minimum liability insurance policy in Austin, TX. 

A more comprehensive insurance policy from Southwest Insurance Center, serving the Austin TX area, can provide drivers with better coverage.  Policies that provide coverage for uninsured/underinsured motorists, personal injury, comprehensive and collision can give you peace of mind.  If the automobile is financed, many lenders will require drivers to maintain either comprehensive or collision coverage to protect their investment.  If there is an accident, the driver will be able to repair or replace the car.  If destroyed, collision coverage policies provide for the value of the car less depreciation.  A comprehensive policy is broader in that it will pay for the repair or replacement in more situations such as theft or damage. 

The team at Southwest Insurance Center is ready to help you get the coverage you need.  Compare quotes online then visit with a knowledgeable agent today!