Texas requires drivers to maintain minimum amounts of auto insurance before they can legally drive on public roads. This coverage protects other drivers if you should injure someone or damage their property in an accident you've caused. However, it does little to protect your own car. For that, you need additional coverage. Below is an introduction to various types of car insurance.

What Are the Different Types of Auto Insurance?

1. Bodily Injury Liability

This covers medical treatments for injuries caused in an accident for which you are liable. Texas requires drivers to maintain at least $30,000 of coverage per injured person with a per-accident maximum of at least $60,000. It also handles any legal bills arising out of the incident.

2. Property Damage Liability

In the event that you cause an accident that damages someone else's car, house, or other property, property damage liability pays for repairs. Texas drivers must maintain at least $25,000 of property damage liability coverage to be street legal.

3. Collision Coverage

Collision coverage takes care of the repairs for your own vehicle. It covers single-car accidents and collisions in which you are at fault. It is not mandatory in Texas, but your lender will require it if you have an outstanding auto loan balance.

4. Comprehensive Coverage

Sometimes, your car gets damaged in a way other than an auto accident. Comprehensive auto insurance coverage accounts for events like fires, floods, vandalism, falling objects, and even theft.

5. Uninsured Motorist Coverage

Uninsured/underinsured motorist coverage pays for losses you experience in an accident caused by a driver who is either uninsured or whose policy limits do not cover your losses. Uninsured motorist coverage helps supplement your other insurance, so you are not left with out-of-pocket expenses. 

For expert help designing an auto insurance policy, contact Area Wide Insurance Agency in Naples, TX. They have served clients in and around Morris County for more than 35 years and are proud of their exceptional customer care. They specialize in auto, renters, homeowners, and life insurance. Visit their website to learn more about their products or call (903) 897-5651 to request an insurance quote.