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Texas law requires all drivers to carry at least liability coverage. However, there are many other types of auto insurance. Companies Texas insurance generally provide these major types of coverages for you to choose from.

Medical Payments Coverage

This type of insurance pay medical and funeral expenses resulting from accidents, including those in which the victim was a pedestrian or a cyclist. It covers you, your family and all passengers in your car, regardless of who caused the accident. Because many drivers still do not have insurance, is a good idea to add this coverage to your auto insurance. The Texas law requires all drivers to carry insurance, but not something to tell, if you or someone you love gets hurt.

Personal Injury Protection (PIP) Coverage

This type of insurance is the same as medical payments, but offers the additional coverage of 80% of lost income and the cost of hiring a caregiver to an injured person. This is a valuable addition to your auto insurance. Texas law actually requires insurance companies to offer $ 2,500 in PIP for you, and to reject in writing if you choose not to add to your policy.

Uninsured / underinsured Motorist (UM / UIM) Coverage

This type of coverage explicitly cover an accident caused by an uninsured driver or if the driver does not have enough insurance to cover their costs. This type of coverage also cover damage resulting from an accident if promptly report abuse to police. Auto insurance in Texas is required, but this coverage is a good idea to protect against those who do not follow the law.

There are two types of UM / UIM coverage: personal injury and property damage. Injury Coverage body pays the medical bills, lost wages, pain and suffering, disfigurement and permanent or partial disability. Property damage coverage pays for repair cars, car rental costs and damage to items in your car. Insurance companies must offer UM / UIM, plus insurance self. Texas law requires that you reject, in writing, if you choose to waive this protection.

Collision (damage to your car) Coverage

This type of coverage pays the cost of repairing or replacing your car after an accident, regardless of who was driving or who was at fault. The payment is limited to actual cash value of your car, minus the deductible. Actual cash value is the market value of a car like yours before it is damaged.

Global (other damage physical collision) coverage

This type of coverage pays the cost of replacing or repairing the car if it is stolen or damaged by fire, vandalism, hail, or other cause other than collision. Comprehensive coverage also pays for a rental car or other temporary transportation if your car is stolen. His policy of not paying for theft car unless you report to the police. The payment is limited to the actual value of your car, minus the deductible.

Towing and Labor

This will pay the costs towing when your car is not drivable, and labor costs, such as the cost of changing a tire on the spot where his car broke down.

Rental Reimbursement Coverage

This type of coverage pays a fixed daily amount for a rental car if the car is stolen or is being repaired for damage covered by your policy.

It is clear that Texas auto insurance can be much broader than simple liability policy, and provide protection much larger and peace of mind.

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18. How much auto insurance coverage should drivers carry?