Auto Insurance Texas

The laws for auto insurance in Texas require that you carry liability protection, but it's also the smart thing to do. What's not smart is to carry only the state minimum coverage. If you cause an accident, without adequate liability protection, you could be wiped out by a lawsuit. And even without a suit, unless you get at least $100,000 protection, paying for the other driver's medical expenses could be overwhelming. Experts believe that you should also get at least $50,000 coverage for property damage.

Uninsured or underinsured motorist protection isn't a requirement for auto insurance in Texas, but you might want to consider it. It will pay your bills if you're in an accident caused by another driver who has no or little insurance. The expert recommendation is to get the same amount of protection as what you have for liability coverage.

One type of coverage that's very flexible is for collision and comprehensive. This pays for car repair or replacement for accidents both on the road and off. On average people only have a major accident once in ten years so having a deductible of $500 or $1000 saves money and makes sense. And if your car has little value, it makes even more sense to not have the coverage at all.

Medical coverage for auto insurance in Texas is also not a required item, so you are free not to have it, especially if you are already covered by another health or medical plan. If that's the case, the only thing which you might consider is that the auto medical coverage also can pay for your passengers' bills and so you might want to carry a minimum amount.