Archive for February, 2009

Reader’s Question:

I don’t have my own car insurance before because I was under my mom’s policy here in Houston. Now that I have to get insurance for myself, I need to know the types of coverage I can get. What are the options that I have when it comes to getting car insurance?

Sergio

Houston, TX

Getting car insurance in Houston would give you protection from financial loss for paying any damages that may be incurred in an accident. There is a wide selection of car insurance coverage and deductible options available for you. There are three main types of car insurance coverage and it would be helpful that you understand how they are different from one another.

Liability Coverage
Almost all states require motorists to carry a minimum level of liability coverage. The necessary amount differs as per state laws where you reside so you have to get in touch with your insurance company to find out about it. This kind of coverage would provide coverage for any damages you cause to other people and properties.

Collision Coverage
This kind of coverage would pay for the damages to your automobile caused by another automobile or property.

Comprehensive Coverage
This type of insurance coverage would pay for the damages to your automobile that are caused by vandalism or theft. Also, damages caused by natural disasters such as fire, storm and tornadoes are covered by this type of insurance coverage.

Aside from the three main types of insurance coverage, there are other types of coverage that you can get for your car insurance in Houston. These are uninsured and underinsured motorist coverage, emergency road service and car rental coverage.