Ensure You’re Protected with the Right Auto Insurance Coverage
Making sure you’re appropriately covered in addition to saving money is our top priority at JAB Insurance Agency. We know how critical it is to have the appropriate insurance, particularly when it pertains to protecting your family and assets. We offer an assortment of discounts and bundle choices to help minimize financial burden, while maximizing your protection.
What Does Texas Auto Insurance Require?
According to Texas law, drivers are required to possess a minimum liability coverage of $30,000 for bodily injury per person, $60,000 for total bodily injury per accident, and $25,000 for property damage (30/60/25.) Although these coverages offer a minimal amount of security, they would not be enough in the case of a major accident. Liability for property damage includes repairs to other people’s belongings, including cars, fences and houses. In addition to providing protection from future litigation, bodily injury liability pays for the injured parties’ lost wages and medical costs.
The Risks of Relying on Minimum Coverage
If you only have the bare minimum of coverage, you are probably financially exposed. In the event of a severe accident, the costs could easily exceed the limits of your policy, leaving you personally responsible for the difference. This can include out-of-pocket expenses for property damage, medical bills, and even legal fees if you’re sued. Without proper coverage, you could be putting your savings, assets including your home and future earnings at risk. Be sure to ask one of our Licensed JAB Agent professionals about our essential coverage recommendations to protect yourself from potential liabilities.
Which Texas Insurance Coverages Are Optional?
To protect yourself more comprehensively, consider adding the following optional coverages:
* Collision and Comprehensive Coverage: Protects your vehicle in the event of an accident, theft, or other damages.
* Uninsured and Underinsured Motorist Coverage: Covers you if you’re hit by a driver with insufficient or no insurance.
* Vehicle Replacement Plus: Helps cover the difference between what you owe on your vehicle and its actual value if it’s totaled.
* Medical Payments Coverage / PIP: Assists with medical expenses for you and your passengers, regardless of fault.
* Rental Reimbursement / Rental Alternative Coverage: Assists when a rental car is needed if your vehicle is being repaired after an accident.
* Custom Components and Equipment Coverage: Protects custom parts or equipment you’ve added to your vehicle.
To make sure you have the right kind of insurance to safeguard your liabilities and steer clear of the risks caused by insufficient coverage, we encourage you to discuss those options with your JAB Agent. Our goal is to help you feel secure and confident knowing that you will be taken care of when you need it most.