Car Insurance in South Austin TX is a difficult subject to grasp, and most people aren’t sure exactly what it covers. Because auto insurance isn’t a one-size-fits-all proposition, it is important for customers to do their own research and ask for a detailed explanation of their options to ensure proper coverage. If someone needs auto insurance, they should learn about the most common coverage types and the protections they offer.
Liability
If a driver is responsible for an auto accident, liability insurance covers the cost of the other party’s injuries and property damage. Almost all states require drivers to carry a minimum level of liability coverage on a car insurance policy.
Personal Injury Protection
PIP coverage pays medical expenses for the driver and his or her passengers if they are involved in an accident. There are various levels of PIP insurance, and some include payouts for funeral costs, lost wages, and other expenses.
Collision and Comprehensive Coverage
These kinds of insurance are meant to cover the damage to a driver’s own vehicle in certain scenarios. Comprehensive insurance will cover a car that’s stolen, vandalized, or damaged by an animal or natural disaster. Collision insurance covers cars and trucks that are damaged from an impact with another vehicle, a stationary object, or in a rollover crash. It also helps with repairs or compensates the owner for the current value of an unsalvageable vehicle.
Uninsured/Underinsured Motorist Coverage
Though it is against the law to drive without auto insurance, many people don’t have it, or they don’t have enough coverage. Uninsured or underinsured motorist coverage protects those who are hit by someone with little or no insurance. Without this coverage, a driver may have to pay out of pocket for his or her own injuries and property damage in the event of an accident with an uninsured driver.
When a person buys Car Insurance in South Austin TX, it is important to get the proper amount of coverage. Call Patrick Court at State Farm to discuss your insurance needs or to learn about the company’s other insurance services, such as home, auto, and life insurance.
