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How much car insurance do I need?

All states, including Texas, mandate that drivers must have a minimum amount of car insurance in place before getting behind the wheel. However, you might want to consider increasing your coverage to ensure you’re fully protected against many different incidents, such as those unrelated to a collision. U.S. News & World Report explains the different types of auto insurance and how they can protect you.

Liability insurance

If you’re deemed responsible for an accident, liability coverage is key. For instance, if another driver is injured bodily liability coverage will provide funding for any medical expenses incurred. There is also property damage coverage, which pays for repairs to another person’s vehicle or other types of property (such as buildings and structures). If the total costs exceed your coverage limits, you’ll be obligated to make up the difference out of pocket.

Uninsured and underinsured motorist coverage

Just because you’re required to have a certain amount of insurance coverage, not all motorists comply. This is where uninsured/underinsured insurance can help. If you’re in an accident with an uninsured driver or are involved in a hit and run, this insurance will cover your costs for repairs and injuries. These policies are also helpful if the other driver has only the minimum amount of insurance and damage exceeds coverage limits.

Comprehensive coverage

Basic coverage fails to protect you against damage caused by something other than a collision. For instance, weather damage, vandalism, or even theft fall outside of the listing of perils associated with basic collision coverage. Comprehensive insurance fills in these gaps to ensure funding is available for all different types of damage that may occur to your vehicle.

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