After meeting an auto accident doctor to treat you of any injuries, it is time to take charge of your paperwork, including your car insurance.
Be ahead of the curve by having the required insurance coverage minimums. You will want to make sure both you and your vehicle are covered in the event of an auto accident. Here, insurance will allow you to have the funds necessary to cover any repairs, damages, or medical care associated with your auto accident.
Why Do You Need Car Insurance Coverage?
Most states require that drivers carry an auto insurance.
For example, if you're hit by someone without car insurance, you'll be at the mercy of the person who hits you. It will be their responsibility to cover any damages incurred to your vehicle.
Also, they will look after any associated medical care costs to see an auto accident doctor. Surprisingly, most drivers don’t have enough funds to adequately cover this. So, this is where having auto insurance comes into play.
"Almost every state requires that drivers carry an auto insurance."
Having automobile insurance provides both parties with some padding when it comes to a car accident.
Auto insurance also allows coverage of damages for a person who's hit in a car accident.
This can be in terms of vehicle damage or bodily injury. The person at fault for causing the collision (or their insurance) is also liable for paying the aforementioned damages.
Most insurances also cover damages to vehicles such as vandalism and theft. Each policy has specific terms and conditions so check to see if your specific policy covers this. Besides, your insurance may also cover rental vehicles, while any damages are repaired.
How Do I Know What I Need to Obtain Car Insurance?
Subsequently, most states require specific minimums in regards to auto insurance. The state laws where you reside determines the insurance minimums. So, what you need in California may not be the same in Texas.
Texas law requires you to have liability coverage if you own a vehicle.
However, if you don’t already have a vehicle, your insurance lender will require that you have full coverage insurance. It includes collision and comprehensive coverage.
Authorities may ask you to show proof of auto insurance in the following events:
- Annual auto inspections/vehicle registrations
- To renew your driver’s license
- To purchase a vehicle
- If cops ask you to pull over
In the case of a car accident injury or when visiting the auto accident doctor make sure you have your insurance details before you consult any legal counsel.
"Make sure to get insurance details when meeting a car accident doctor."
How Much Insurance Coverage Do You Need?
Auto insurance cost is based not only on the state that you live in, but other specifics like the vehicle, the driver’s age, average commute times, driver history, previous claim history, credit, gender, and even their marital status. So, the more accidents you have on your record, the more your coverage will be.
In Texas, minimum coverage must include:
- $30,000 in bodily injury coverage per person
- $60,000 in bodily injury coverage total per incident
- $25,000 in property damage coverage per incident
This basic coverage is known as “30/60/25”. You can also purchase more insurance than the state minimum requirements.
This will protect you if you are in a car accident in Houston that involves major damages, catastrophic injuries, or multiple vehicles. An inspection by an auto accident doctor can help to make proper claims.
Costs in access of what your policy covers will go to the at-fault driver. In order to protect your personal assets, you should purchase more than just the minimum coverages.
The exact cost of your insurance plan depends on the coverage you choose, the personal driver details, and if payment will be in full or monthly. Different companies will offer different rates, so shop around before locking into any plans.
Your insurance plan may offer discounts depending on various things. They include certain employer or association affiliations, for drivers who have taken defensive driving courses, student discounts for those with good grades. Call them directly to ask them about it.
Types of Auto Insurance
There are several different types of auto insurance. Each one serves its own particular function depending on the type of damage and persons affected. The most common types of coverage are:
- Bodily Injury Liability
- Property Damage Liability
- Personal Injury Protection (PIP)
- Uninsured Motorist Bodily Injury
- Uninsured Motorist Property Damage
What Can Happen if I Don’t Have Insurance?
As you can assume, not having car insurance is a big risk, especially if it's mandatory in your state. Interestingly, as per The Balance, between 20 and 25 percent of Texas drivers don't own auto insurance.
In Texas alone, if you drive without car insurance, you may be fined with surcharges applied or even have your license revoked.
With each subsequent time that you are caught, the fine increases. Hence, the risk is obviously not worth the chance you'd be taking.
"Driving without a car insurance attracts fines in Texas."
If you’re searching for rates on new auto insurance policies, use an online calculator that will pick the best coverage for your needs and where you live. You can expect to pay more if you live in a heavily populated city. However, the cost of insurance is nothing in comparison to paying out of pocket for a whole new vehicle, whether it is your vehicle or someone’s vehicle that you’ve hit.
Make sure both you and anyone driving your vehicle have an auto insurance coverage.
Most importantly, if you get into an accident, take medical care from an auto accident doctor that specializes in auto accidents.
Having auto insurance is the best way to protect your precious investment so that it’ll hold value longer.
Citywide Injury & Accident is the Best Auto Accident Doctor Providing Accurate Medical Reports in Houston
If you need comprehensive reports for claiming your auto insurance coverage after an accident, get in touch with the best auto accident doctor. Make an appointment with Citywide Injury & accident by calling us at 713-782-0082.
How Much Car Insurance Coverage Do I Need?|City Wide Injury & Accident – Houston, TX
Joe Danna is a Chiropractor specialist practicing in Houston, TX. Where he has lived his whole life.