A good auto insurance policy is your best protection against financial liability on the road. In Texas, it’s also the law that you carry insurance and, without it, you risk getting yourself into trouble. The problems that people have with insurance usually stem from choosing policies that provide them with inadequate coverage for the amount of driving they do and for the circumstances of that driving. Here are a few things to consider.
It’s not all about Your Car
In some cases, people buy insurance and figure that, since they may have an inexpensive or older vehicle, that they don’t really need that much coverage. The problem with this is that it assumes that anyone you hit will also have an inexpensive vehicle. Make sure to carry plenty of liability insurance. It’s one thing if you hit a Ford Festiva and quite another if you rear end a Ferrari.
Your Car may not be Covered
Make sure you carry coverage for uninsured drivers and for collisions that ruin your car. There are plenty of people out there who think that, if they get in a really bad wreck and their car is completely destroyed, that the insurance company will just total it out. This is only true if they have collision insurance or if the driver they hit has enough insurance to cover the damages.
Maybe your insurance will cover the cost of repairs, but it may not cover the costs of towing your vehicle to the garage to get those repairs. Remember that you need roadside assistance on a vehicle. Some companies offer good policies for roadside assistance and some people get it separately from the AAA.
Read about different insurance companies before you buy their products, the cheapest companies out there sometimes don’t offer much to their clients and, while you may love those low rates for a while, you’ll hate them when you try to file a claim.
If You’re in a Wreck
Contact your vehicle accident lawyer if you’re in a wreck and do it before you contact your insurance company. This is the best way to make sure you don’t say something that will allow them to deny your claim. If you’re hit by an uninsured driver, a Dallas auto accident lawyer may be able to help you get compensation via a lawsuit. You’ll have to consult with one first, which is usually a free service from these attorneys.