To protect drivers while on the road, insurers offer a broad range of auto insurance options. These can be tailored to fit your priorities and budget. The popular insurance policies below will help shield you and your assets from any issues that arise on the road.

5 Common Types of Auto Insurance Coverage

1. Liability Insurance

Most states require every driver to carry some sort of liability insurance. This will pay for any damages resulting from an accident you’ve caused. In Texas, each driver must have at least $30,000 per person in liability coverage.

2. Personal Injury Protection

If you’re injured in an accident regardless of who is at fault, personal injury protection (PIP) will fill in any coverage gaps for medical expenses that your auto insurance doesn’t cover. In some cases, PIP will also cover lost wages. In Texas, PIP is mandatory unless you’ve signed a waiver. 

3. Collision Coverage

If you’ve caused an accident, your liability policy will pay for the other driver’s property damage, but what about your vehicle? Collision auto insurance pays for these repairs. This will allow financial recovery from an accident.

4. Comprehensive Coverage

Your car is also vulnerable to hailstorms, fire, theft, and a variety of other threats. Comprehensive coverage is designed to protect you against these perils. It also generally includes damage from animals or falling debris.

5. Underinsured Motorist Coverage

Unfortunately, not every driver has sufficient coverage. If you’re injured by a driver who lacks the funds to pay for your losses, underinsured motorist coverage will cover the gap. This can potentially save you thousands of dollars in medical bills and lost wages.

Choosing the right auto insurance policy can be confusing, which is why drivers in Naples, TX, rely on Area Wide Insurance Agency for expert guidance and dedicated customer service. As an independent agency, they’ll shop around to ensure you get the coverage you need at the best possible rate. Visit their website for more on their auto insurance services or call (903) 897-5651 to speak to an agent and request a quote. You can also follow their Facebook for tips and updates.