How Much Car Insurance Coverage Do I Need

insurance coverage

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.

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Why Do You Need Car Insurance Coverage?

Most states require that drivers carry an auto insurance.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

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. 

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

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.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

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
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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.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

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.

Auto accident injury - Citywideinjury
Auto accident injury – Citywideinjury

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.

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How Much Car Insurance Coverage Do I Need?|City Wide Injury & Accident – Houston, TX

What is a Car Accident Doctor?

Chronic Injuries

In an unfortunate turn of events, you’re involved in a car accident that may or may not be your fault. As a next step, you may wonder if visiting a car accident doctor Houston will help.

The answer is yes.

If you’re injured or are seemingly an uninjured victim involved in a car accident, you should always see a doctor. It doesn’t matter if the collision was a minor one – you should still go. That’s because ignoring any symptoms – even if they don’t show up right away – may negatively impact your health at a later stage. Second, your physical evaluation comes with a detailed report of findings that you or your attorney might need later.

So, let’s read on how a car accident doctor can help:

Get an After-Accident Evaluation

What is the Difference Between a Family Doctor and a Car Accident car accident doctor HoustonDoctor?

A family doctor or a primary care physician is someone you consult on a routine basis. You often see them for routine checkups, treatments for cold or strep throat, or for preventive care such as immunizations. However, in cases where there may be a more severe injury or illness, a primary care doctor will not be able to help.

You may think of a car accident doctor as a specialist doctor. They are medical practitioners who specialize in treating injuries sustained as a result of a car accident.

“Data from the Centers for Disease Control and Prevention (CDC) reveal that people in the United States spend over 1 million days in the hospital every year due to injuries from car accidents.”

Car accident doctors have the background and training to recognize the different types of bodily injuries that can happen in a car accident. For example, you may hurt your neck or spinal cord. Both of these regions are vulnerable to damage due to whiplash, impact or recoil of the body, which are common in car accidents. Also, a car accident doctor can treat each aspect of your injury and draw up the required paperwork you may need to claim insurance.

Why You Should See a Car Accident Doctor Houston

Find the Right Expertisecar accident doctor Houston

A car accident doctor Houston limits his practice to car-related accident injuries. They and their team have the expertise required to accurately diagnose, treat, and take care of any injuries sustained in auto accidents.

Treat Injuries that Don’t Appear Right Away

Vehicle injuries can be late-appearing. Usually, in an accident, there is a lot of force involved when a vehicle hits (or is hit by) something. Often, when people are in a crash that seems minor, they do not notice any injury symptoms right away.

“You can sustain injuries in a crash even if you do not have visible cuts or wounds.”

Muscle, tendon, and ligament pain may take a few days, or even weeks, to manifest. Hence, getting proper medical treatment is the crucial first step, even before the first sign of pain or discomfort occurs.

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Get Correct Documentation

Correct documentation is the key to ensuring insurance coverage for all your damage and treatment expenses as a result of any car accident. It includes a detailed file containing photographs, prescriptions, doctor’s report, medical reports, x-rays, time-stamped logs, and any other required documents.

An updated and correctly documented file comes in handy when you need to file a claim with the auto insurance company.

Claim Evaluation car accident doctor Houston

A car accident doctor makes sure all injuries from the car accident are thoroughly evaluated before you sign documents the adjuster puts in front of you.

If you sign a release, you waive your legal right to pursue any compensation for an injury that may show up later. Your car accident doctor can guide you to wait long enough to make sure the claims process goes smoothly. This wait is crucial in cases where the driver at fault denies charges or is uncooperative, and you need an attorney referral.

When Should You See a Car Accident Doctor Houston?car accident doctor Houston

Sometimes when you’re in an accident, you may not realize you have an injury immediately. In fact, it can take hours or days for the adrenaline and shock to wear off before you feel the pain or discomfort.

“Your car accident doctor can guide you to wait long enough to make sure the claims process goes smoothly.”

It is essential to consult a car accident doctor Houston as soon as possible, even if you feel alright. It is advisable you visit a doctor within 72 hours of the accident as a precautionary measure. You’ll find the right guidance about the procedures followed in accident cases. They will also help you recuperate without worrying about processing documents for insurance claims.

Consult Citywide Injury & Accident, the Best Car Accident Doctor Houston

Citywide Injury & Accident specializes in injuries related to car accidents. We have more than three decades of experience in diagnosing, treating, and filing documents for car accident cases. Our team of friendly staff and specialist doctors offer you the best possible care.

To get the best health care and treatment when involved in a car accident, make an appointment 713-782-0082 or contact us today.

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What Is a Car Accident Doctor? | Citywide Injury & Accident – Houston, TX

Been in a Car Accident? Need a Doctor?

Trusted Car accident doctor

Whether you are in a major or minor car accident, it can be a scary situation. Even though you may think you have small injuries, they can become severe in a few days. Delaying the treatment can have devastating effects later on.

Together with added stress and pain, they might result in a disability. That’s why you should seek help from a car accident doctor Houston right away.

Types of Car Accident Injuries

car accident doctor Houston

Often times, you may not even realize that minor incidents can cause damage to your muscles, skeleton, and nerves. The reason for this could be the tremendous force involved in the accident. Hence, you should get your injuries evaluated immediately after the car accident. Some of the injuries that result from a car wreck are:

Soft Tissue Injuries

When damage occurs to other parts of the body than the bones, it is a soft tissue injury. It inflects tendons, muscles, or ligaments in your body. Even slow-speed car accidents generate ample pressure that exerts stress on these vulnerable parts.

If left untreated, injuries like sprains, bruises, or tears can be extremely painful. The best car accident doctor in Houston can immediately diagnose the injuries to avoid further damage.

“Car accident injuries, however minor, can cause drastic impacts on your life.”

Whiplash

In car accidents, whiplash injury is quite common. It can sustain for days or weeks after the accident. A whiplash becomes problematic when your neck is faced forward and snapped back with a sudden force.

This motion puts extra pressure on the spine. As a result, you may experience back pain, neck pain, or headache. Urgent care and diagnosis are the best treatments that you need.

Back and Neck Injuries

The impact of a crash can be severe on your back and neck. Problems like fractures, spine injuries, sprains, and disc injuries are common in car accidents.

Often, people ignore these injuries assuming them to be mere soreness from the impact of a crash. However, without treatment, it can worsen and become quite serious. This is why you should rush to the nearest car accident doctor for a comprehensive check-up soon after the impact.

Concussions

Sometimes in an accident, your head may get struck or your body may be jolted. Consequently, the brain will strike with more force inside the skull and you may sustain a concussion. It is a serious condition where symptoms are often delayed.

Some symptoms are obvious, but others can be very subtle. They may include inability to focus, clouded thinking, blurred vision, nausea, headache, dizziness, or abnormal sleep. If you experience any of these symptoms, don’t wait to visit the car accident doctor.

Why Shouldn’t You Delay Treatment?

Understand that a delay in the treatment for your injuries never helps. Putting off the evaluation worsens your medical problems. Furthermore, many injuries do not show up right away after a car accident.

Do not delay treatment for the following reasons:

To Make a Strong Personal Injury Case

Seeing a car accident doctor Houston establishes a link to your injury and the auto accident. However, if you wait too long, there will be a delay or gap in treatment. If you file a lawsuit or claim insurance, this delay jeopardizes your case. Your insurance company might use this time gap against you. Hence, visiting the doctor and making a detailed record of the car accident maintains the integrity of your case.

“Delayed treatment for spinal cord injuries can cause long-term disabilities.”

Injuries May Become Chronic

car accident doctor Houston

Even the smallest car accident injuries should get treated and documented quickly. Without treatment, they can lead to chronic pain and sustain more damage to your body. In fact, research shows that deep injuries can occur even if your car goes through minimum damage in an accident.

The sooner you see a doctor, the faster your recovery.

How to Choose a Car Accident Doctor

Choose a doctor who can provide specialized treatment for auto accident patients. They should focus on treating your injuries as well as your well-being. They should be able to conduct a comprehensive examination and evaluation.

Check their Credentials

Before laying your trust, it is important to check the credentials of the doctor. Ask about the education and degrees of doctors, chiropractors, physical therapists, or specialists before starting the treatment. Also, inquire about the experience of specialists on staff.

Check the Waiting Times

After an accident, you need an immediate appointment for treatment and recovery. The doctor should treat you as soon as you walk in the facility. There should be organized appointments and minimum waiting times, especially for critically injured patients.

“Chiropractic treatment lowers the pain levels of injury and you recover faster.”

Ask About Documentation

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To claim insurance after a car accident, you need proper medical documents. So, when you choose a car accident doctor, don’t forget to ask if they provide proper documentation of treatment plan and sustained injuries. Also, check the treatment plans offered by the doctor.

Contact Citywide Injury & Accident for a Car Accident Doctor in Houston

At Citywide, we offer our patients the best healthcare available. Their confidence and trust are of the utmost importance to us. We have a team of doctors with extensive experience in treating auto accident victims.

Relieve yourself from the pain from car accident injuries. Call us at (713) 782-0082 or click here to make an appointment.

Been in a Car Accident? Need a Doctor? | Citywide Injury & Accident – Houston, TX