Sugar Land, TX is a beautiful place, but it has some very dangerous roads and intersections. Your friends here at Insurance Solutions of Texas want you to be safe on the road. We also want you to be protected in case you are involved in an auto accident. The following are three basic insurance types to consider when choosing your auto insurance coverage:
Liability is the minimum amount of insurance required by law. Liability insurance covers damages, medical costs, and other expenses incurred due to an accident in which you are at fault. Basic liability coverage includes bodily injury liability- usually a set amount per person and accident- and property damage. The level of coverage required for each category varies by state.
Collision coverage takes care of your vehicle in the event of an accident, no matter who is at fault for the event. This includes accidents involving other cars, buildings, stop signs, trees, and more.
Comprehensive insurance coverage is designed to replace a vehicle that is damaged by covered events, which usually include things like fire, vandalism, theft, weather damage, and more depending on the policy.
Usually, when people use the term “full coverage,” it means that you have added both collision and comprehensive coverage. However, the term can mean different things to different companies, so it is essential to ask what specifically comes with a full coverage policy.
There are additional coverage types that you should consider adding to your policy. These include:
- Uninsured or Underinsured Motorists– This helps cover damages and expenses caused by another driver that cannot pay.
- Roadside Assistance– It comes in handy if you are broken down on the side of the road.
Protecting yourself, your loved ones, and your vehicle in the event of an accident is very important, and Insurance Solutions of Texas wants to help you choose the best coverage for your needs. If you are in Sugar Land, TX, stop by or give us a call today for a no-obligation, free quote! We look forward to serving you.