May 31, 2022

The Necessity of Having Full Coverage on Your Car Insurance (in Dallas, TX)

Car insurance is mandatory in many states, including Texas. Auto insurance isn’t just for the car, but for the driver too. In fact, it is one of the most important things you can have to protect yourself as a driver

Auto insurance covers your personal liability and helps you get back on your feet after an accident or injury. It also covers damage to your car and any property damage. In addition to covering you if you're at fault, it also helps cover damages caused by a third party if they're at fault too, keeping you protected from significant financial losses.

Let's take a look at why drivers in Dallas, Texas, need full coverage car insurance.

 

 

Why You Need Full Coverage Car Insurance in Dallas Texas

It is Texas law that drivers obtain and keep adequate car insurance coverage. It is essential to be insured to protect yourself and your livelihood. You need to have the right amount of auto coverage so that if anything happens, you're financially insulated from a potentially harmful outcome.

Texas drivers must have up to $30,000 in personal injury coverage per person, to a total of $60,000 per accident, and $25,000 in property damage coverage. This is often referred to as 30/60/25.

Drivers should have insurance coverage for any costs related to incidents, even though there is no guarantee that the minimum will be enough, even with 30/60/25 coverage. The consideration must be made for the costs of repairs and recovery, so many drivers opt for further insurance coverage.

Texas does not require auto insurance that covers accidents involving drivers with inadequate insurance coverage. However, drivers all over Texas will benefit from paying a nominal amount to have full coverage insurance because, even though it is a law to have insurance, many drivers you encounter will be underinsured (some even without collision), or worse yet—uninsured. This is why it is recommended to carry a full coverage policy because it offers protection if you are injured in an accident caused by any of these drivers—and your full coverage insurance will cover you for injuries, even if you are hit by someone who didn't have enough coverage to take care of the damages.

 

 

How to Choose the Right Auto Insurance for Your Needs

Choosing the right car insurance is not easy. You need to take into account a vast number of factors and compare different options.

It would be best if you were concerned about how much coverage you are getting and the price of your policy. But, it would help if you also considered other factors like deductibles, discounts, and customer service. There is a balance that needs to be achieved between price and coverage. There are many insurance companies, so shop around before making any decisions.

 

What is full coverage car insurance?

Full-coverage car insurance covers a wide range of things. It means that, if you are in an accident, (almost) everything is covered. This includes personal injury protection (PIP), gap insurance, and underinsured and uninsured motorists. It covers damage to your car. It also covers legal expenses and damages you cause to other people's property. It will also help if you're involved in a car accident.

 

 

What is Personal Injury Protection?

Personal injury protection, also known as PIP, is a basic insurance, often known as no-fault insurance in Texas. PIP covers covering common medical costs in the event of an accident due to weather or other mitigating factors. The typical PIP is offered in $2,500, $5,000, and $10,000 amounts and these amounts are per person, so everyone in a car that is injured will be covered with PIP, no matter who was at fault in the accident.

PIP is intended to get you back on your feet after an accident. For instance, if you take a $2500 PIP from your insurance company, they will issue you a check for that amount right away. You can use these funds to cover a hospital bill, physical therapy sessions, or other medical expenses until you can return to work or your previous way of life.

 

 

What is Proof of Insurance?

You may be required to show proof of auto insurance when you have an accident and the police come to the scene, so you must carry proof of the policy in your vehicle. 

If you are pulled over for a traffic violation, officers will ask to see proof of insurance, your license, and your registration. In addition, you must show proof of insurance to pass your annual vehicle inspection. 

Once you receive your insurance card, it is best to keep it stored securely in your car, such as in your glove compartment, so you can access it in case you have an accident or during any police interaction.

 

 

Types of Auto Insurance Coverage in Texas

State minimums are straightforward to understand, but it can also be helpful to know about the different insurance options for accidents. These are often subject to higher deductibles and higher premiums. Depending on what type of insurance you have, the company will cover your medical bills, car repairs, and a rental car in the event of an accident that is not your fault. 

You should know a little about the different types of coverage available when deciding on the type of car insurance you need. This also may help you if you should be in a situation where you need assistance navigating the insurance system.

 

  • Collision coverage – Lenders require collision coverage to grant you a loan for a new car. The lender will want the necessary coverage on your vehicle until the loan is paid back in full. With this coverage, you are covered in the case of damage to the vehicle. Most policies will give you the amount necessary to repair or replace your car, or the actual value of your car - whichever would be least expensive.
  • Liability coverage – Liability insurance helps protect you in case of an accident, which means that you're not financially responsible for injuries or damages to others. There are two main parts of liability coverage: bodily injury and property damage protection.
  • Uninsured/Underinsured Motorist coverage – This contract will protect you if another driver causes an accident and doesn't have insurance
  • Comprehensive coverage – Comprehensive coverage pays if your car is stolen or damaged by fire, flood, vandalism, or something other than a collision.

There are a variety of types of auto insurance that will serve your needs. By choosing the right type for you, you can ensure that your livelihood is safe if something happens to one of your assets. Make sure you consider all of your options before making a decision - it is helpful both financially and in terms of your peace of mind. 

If you were in a car accident where property damage or injuries exist, it is best to see an attorney specializing in personal injury litigation

 

 

What Does My Policy Cover?

The types of coverages you choose will determine how much your policy covers. Before taking any steps towards buying a policy, make sure you read your policy or talk to your agent to know the exact coverages.

It is crucial to consider the financial impact of an accident on you and your family. Injuries can happen in many different ways and are not always immediately apparent. There is also the potential that your car is damaged or entirely written off, and you will require a rental car. This is not automatic and not guaranteed that the third party will pay for your rental car through their insurance. So it is an important consideration when it comes to securing your insurance coverage.

Comprehensive coverage often includes towing and rental car coverage, and the cost may not be as much as you think. When you're obtaining car insurance coverage, speak to your insurance agent to see the costs and add the coverage that will protect you best.

 

 

How Much Does It Cost to File a Personal Injury Protection Claim?

Personal injury protection claims cover medical bills and lost wages resulting from a personal injury or accidental death. The personal injury claims process can take some time, which is why it is essential to arm yourself with everything you need to receive total compensation, such as an aggressive personal injury attorney. 

Regardless of fault, PIP coverage can not only help cover some medical bills if you're involved in an accident, it can also cover your injured passengers. It may also cover your deductible for health insurance, too. Many people choose PIP insurance because it can provide coverage for losses like missed wages, funeral expenses, and essentials such as childcare.

The cost for filing a personal injury claim with a personal injury attorney is very low, as it is included in the service of hiring the attorney to represent you. 

 

 

Why Many Attorneys Aren't Thrilled About Property Damage Cases

In some cases, a case involving property damage may not be worth pursuing because insurance companies assign a value of your vehicle’s damage based on an inspection and offer a payment based on the fair market value of the vehicle. A lawyer will not be able to negotiate this amount, so it is not worth their time.

You will usually pay your lawyer according to a percentage of how much your property damage settlement is. There are cases when their hourly fees are higher than the compensation owed. Of course, this depends on the lawyer and the severity of your claim (the more significant the impact on your finances, the higher their hourly fee would be.)

For example, if your insurance provider assesses the fair market value of your vehicle at $7000, and you disagree with this, an attorney who contacts the insurance company will almost certainly receive the same offer of $7000. The lawyer will then need to be compensated for their time, and you will receive less than you would have if you had taken the initial insurance offer for your vehicle. As a result, many lawyers will decline to take property damage cases.

 

 

The Importance of Having Full Coverage Car Insurance in Dallas, Texas

It is vital to have full coverage car insurance in Dallas, Texas. This is because you are protected from any accidents that may happen during your commute to work or while driving. You should also make sure that you have the right amount of coverage for your vehicle and its features.

Full coverage car insurance can be a costly investment, but it is worth it with the right amount of protection.

Do you need to speak with an experienced personal injury attorney? Contact Rose Sanders Law Firm, PLLC, today.

 

 

Rationale

Auto insurance isn’t just for the car, but for the driver too. In fact, it is one of the most important things you can have to protect yourself as a driver. 

Auto insurance covers your personal liability and helps you get back on your feet after an accident or injury. It also covers damage to your car and any property damage. 

Texas drivers must have up to $30,000 in personal injury coverage per person, to a total of $60,000 per accident, and $25,000 in property damage coverage. This is often referred to as 30/60/25.

Choosing the right car insurance is not easy. You need to take into account a vast number of factors and compare different options.

Full coverage car insurance can be a costly investment, but it is worth it with the right amount of protection.

Always feel free to connect with an experienced personal injury attorney with your questions about auto coverage. Contact Rose Sanders Law Firm, PLLC, today.

 

Rose Sanders Law Firm

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1 Greenway Plaza, Suite 100
Houston, TX
77046
(713) 231-9288

Houston TX

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3232 McKinney Avenue
Dallas, TX
75204
(713) 231-9288

Dallas TX

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3232 McKinney Avenue
Dallas, TX
75204
(713) 231-9288

McAllen TX

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Rose Sanders Law Firm, PLLC
1 Greenway Plaza
Suite 100
Houston, TX 77046
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Rose Sanders Law Firm, PLLC
3232 McKinney Avenue
Dallas, TX 75204
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Suite 701
McAllen, TX 78501
(956) 877 2454
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