Reader’s Question:

My husband keeps on asking me to search the net since we moved here in Houston, Texas. He keeps on asking me about car insurance here in Texas since I grew up here, but I myself don’t know much. What are the different types of car insurance coverage here in Texas and how do they work?

Vanessa

Amarillo, TX

Car insurance companies here in Houston, Texas use the Texas Automobile Policy which is a regulated policy form that offers different types of coverage. The Texas Department of Insurance approves other companies’ alternative policies in advance before they sell it. Since there are many choices, you should read the policy carefully for different coverage may differ in policy and company.

A coverage you should take from the Texas Personal Automobile Policy is the Liability Coverage, where it pays the damages, repair, medical expenses that resulted from the accident. This could also pay for your lawyer if you get sued because of the accident. Another is Medical Payments Coverage whereas it pays the medical expenses of the person whether a pedestrian or bicyclist and it also covers you and your family whoever caused it. The Personal Injury Protection which has the same medical coverage but it also includes the loss of income and payment for the caregiver needed by the injured. Uninsured or underinsured motorist Coverage pays for the damage from a driver who doesn’t have insurance or doesn’t have enough coverage. Collision damage which pays for the replacement or repair of your car after the accident. Comprehensive Coverage replaces or repairs your car at any causes it had been damaged. Choose the right coverage properly that is applicable here in Texas.