Car Insurance Pflugerville TX | TWFG Services – affordable insurance, not cheap insurance
If you drive or own a car, chances are you have shopped for car insurance. However, the marketplace is full of choices and promises of more coverage for less money. In order to make the best decisions, it is important to understand the distinction among levels of insurance and to be sure to purchase the amount of insurance you need to fully protect yourself and your family. We have outlined below some of the primary types of car insurance available. State laws often dictate what types and levels of insurance each driver must carry. Be sure to know your state’s specific requirements when you shop for insurance.
Liability insurance covers costs associated with accidents that are your fault. Generally speaking, liability coverage includes both bodily injury (medical expenses, etc.) and property damage coverage. Liability is legally required in most states and there is usually a minimum amount of coverage you must carry.
This coverage pays for repairs to your car in the event of an accident. If you run into your garage door or back into a light pole, collision will cover the cost of repairs to your car. If your car is totaled, collision coverage pays the determined value of your car. Of course, if your car is older or perhaps paid for, you may choose to forego this coverage.
While liability and collision plans cover car accidents, comprehensive covers damage to your car unrelated to accidents. Examples include falling limbs, storm damage, hitting a deer, and theft of vehicle. While some people forego this coverage, if you have a lien holder on your car, you will likely be required to carry this insurance.
Personal Injury Protection
While Comprehensive coverage may be something you choose not to purchase, Personal Injury Protection (PIP) is something most experts recommend adding to your coverage. In fact, many states require drivers to carry a minimum level of PIP coverage. These plans cover the costs associated with your medical bills as well rehabilitation expenses, work loss, and funeral costs. Additionally, this coverage extends to your passengers.
Uninsured Motorist Coverage
Uninsured Motorist (UM) coverage is designed to protect you if the negligent driver is not insured. Your UM coverage covers many expenses, including: medical expenses and lost wages not fully paid by your PIP coverage, future medical expenses and future wage losses, and non-economic damages such as disability, pain and suffering, and the loss of ability to enjoy life. Since approximately one of every eight drivers is without insurance, it pays to have this type of coverage.
TWFG Services Car Insurance – compare and save!
The landscape of car insurance is littered with lots of companies and many options for the consumer. Learn about the different types of insurance, what is required by law, and how much coverage you need to protect yourself and your family. Insurance is a financial tool designed to let you be more comfortable and confident in an uncertain world. With the proper research, you will find the plans that best suit your needs.