Whether you have a brand new truck or a little old sedan that gets you around, car insurance in San Antonio is essential. With such busy traffic not to mention Texas laws that require it, driving without insurance can be costly. At the end of the day, it simply pays off to have insurance.
The most obvious and beneficial aspect of driving with car insurance is the fact that you will be covered in the case of an accident. This is especially important when you have collision coverage and the fault was not your own. If you experience a hit and run having car insurance will pay off greatly. The average cost for property damage in an accident is about $7,500. Keep in mind this doesn’t even involve medical costs for injuries.
Too many people in San Antonio don’t realize that Texas laws require all drivers to be able to pay for damages and injuries that occur from a car accident that they cause. Liability coverage is enough to be within the parameters of this law. According to the Texas DMV, the policy must cover up to $30,000 for each injured person. The insurance should also cover up to $60,000 for injuries per accident and up to $25,000 for property damage.
Car insurance policies have six different kinds of coverage. This includes: liability coverage, collision coverage, comprehensive coverage, uninsured motorist coverage, medical coverage and personal injury protection. Your budget will more than likely dictate what you purchase. If you are financing a new car the lender may have specific requirements as well. Most policies last six months to a year. Your company will let you know each time you are due to renew.
You vehicle is one of the largest investments you will make your life. Protecting this asset as well as your well-being is important. If you have passengers that are injured in an accident some insurance coverage will cover their medical costs. If you cause an accident you can end up with the responsibility of another person’s injuries and damaged property. At the end of the day simply driving within Texas requires some coverage. If you are ready for a new quote or want to find the best possible rates for car insurance in San Antonio be sure to contact us at Pan American Insurance.
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