Ijaw Dictionary Online

How Automobiles Work

Recommendations for Texas auto insurance coverage. There are certain requirements as to how much
automobile insurance coverage a driver needs to carry in the state of Texas. Texas only requires motorists to carry a 30/60
bodily injury liability auto policy. That means that in the event you’re at fault
in an auto accident involving a car full of people, any one person can only recover a
maximum of $30,000 and all persons involved can only recover a maximum of $60,000 combined
under your insurance policy. When you think about the medical bills, the
emergency room bills, the doctor bills, and specialists, as well as lost wages, it adds
up very quickly. Your insurance policy is a group of various
parts that cover you in different ways. We recommend that you begin by increasing
your liability coverage to the maximum amount available. Next, we recommend you carry collision and
comprehensive coverages which help cover the repair or replacing of your vehicle after,
for example, a wreck, fire, or vandalism, minus the deductible. Towing and labor coverage pays for towing
charges if your vehicle becomes disabled and for labor charges when your vehicle leaves
you stranded. Rental coverage provides a daily allowance
for a rental vehicle. Finally, the following 2 coverages are considered
absolute must haves. Those are uninsured/underinsured coverage
and personal injury protection benefits. Uninsured motorists coverage and underinsured
motorist coverage pays for expenses incurred after a wreck in case the other motorist involved
does not have insurance coverage or does not have enough insurance coverage to pay for
the damages caused. Personal injury protection coverage pays for
medical and funeral costs and up to 80% of lost wages.

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