Different Types of Auto Insurance in Texas

When it comes to protecting your vehicles, Aright Insurance Agency in Bryan and Madisonville, TX, is committed to providing personalized service and tailored policies. Understanding your auto insurance options is crucial in ensuring you’re covered on the road while staying compliant with Texas laws.

1. Liability Coverage: Required by Texas Law

In Texas, drivers must carry minimum liability coverage to cover damages to others if you’re at fault in an accident. The state minimums are:

• $30,000 per person for bodily injury
• $60,000 per accident for bodily injury
• $25,000 for property damage

While these minimums meet state requirements, they might not fully protect you in severe accidents. Car insurance with higher coverage limits offers better financial protection.

2. Collision Coverage

Collision insurance helps pay for repairs to your car if you’re involved in an accident, regardless of fault. This coverage is particularly beneficial for newer or financed vehicles.

3. Comprehensive Coverage

Texas weather can be unpredictable, with hailstorms and hurricanes causing significant damage. Comprehensive insurance covers non-collision incidents, such as theft, fire, or storm damage.

4. Uninsured/Underinsured Motorist Coverage

About 20% of Texas drivers are uninsured. This optional coverage protects you if you’re hit by an uninsured or underinsured driver.

5. Motorcycle and RV Insurance

At Aright Insurance Agency, we also offer motorcycle insurance and RV insurance, ensuring all your vehicles are adequately protected.