What Type of Car Insurance in Houston Do You Need?
Driving is a privilege and as such requires certain actions on the part of individuals before they get behind the wheel. Did you know Texas law mandates that all drivers should have a certain amount of car insurance in Houston? Houston residents are no exception. What sort of coverage should you purchase?
According to state law, drivers must carry a minimum of $30,000 bodily injury per person, $60,000 bodily injury per collision and $25,000 properly damage per collision. While having the above amount of coverage may allow you to meet the local requirements, many drivers have found that more insurance is needed. Consumer Reports suggests drivers increase those amounts to 100,000 bodily injury per person, $300,000 per accident, and $100,000 of property damage.
Other types of coverage that many drivers invest in include uninsured and underinsured motorist, which will help pay for your medical bills and vehicle damage after a collision with an uninsured driver or hit-and-run. Comprehensive coverage pays for damage that occurs from something other than an accident, while collision pays for the damage to your car when you hit something.
While it is important to know that a higher premium may accompany additional car insurance, Houston drivers should also be aware of the financial burden they could be spared by having adequate coverage. Repairing a vehicle or paying for medical bills can be expensive – purchase the right insurance now to help save money later.