Automobiles come in many shapes and sizes and for each of those vehicles there is at least one unique individual. However, one thing is the same for every single one of the drivers and that is the legal requirement to own auto insurance in Pflugerville. This is true anywhere in the country. The type of coverage you need may vary by state, but the majority of drivers find that without full coverage, they could be putting themselves and their vehicles at risk. In order to be well-informed, you’ll need to separate fact from fiction.
Fiction: If you have enough insurance to satisfy the law, you have enough coverage.
Unfortunately, there are various scenarios that are increasingly common that prove this idea wrong. Many states require a minimum coverage consisting of some Liability Insurance, Property Damage, and Personal Injury Protection policies. Many people feel that with this type of coverage, they will be protected when accidents occur.
However, if you are involved in an accident and found to be even partially at fault, you could be sued. Bodily Injury Liability coverage is used in this case. If, on the other hand, the other driver was at fault but does not have insurance, you will once again be left without coverage. Uninsured Motorist coverage is the auto insurance in Pflugerville you need for this situation.
Fact: You are required to purchase enough insurance to protect others; you should also protect yourself with additional coverage.
Fiction: Property Damage policies offer one-size-fits-all protection.
This error on the part of well-intentioned drivers has led to a great deal of frustration when the value of autos affected in accidents exceeds the amount of coverage in the policy. Some of the autos on the road today are very expensive. In 2013, the average price of a car was $31,252 and it’s likely that the number has risen since then. Protect yourself from severe financial damages by ensuring that your Property Damage auto insurance in Pflugerville is high enough.
Fact: An insurance agent can review your current policy to ensure that your auto coverage in Pflugerville is in line with current standards. You may have reached the legal requirement, but this doesn’t guarantee full coverage.
Fiction: Your auto insurance will cover medical expenses, related bills, and the loss of work.
Too many people have been injured in auto accidents believing that their insurance policies cover any expenses accrued as a result of the accident. Sadly, most of these drivers could have paid just a tiny bit more each month to have better Personal Injury Protection and enough Medical Payments coverage to have fully protected them when accidents resulted in expensive injuries.
Fact: For a few extra pennies a month, you may be able to purchase the legal maximum of Medical Payments coverage. Have an agent review your auto insurance in Pflugerville to improve your protections.
Do You Have the Protection You Deserve?
Some policies might be considered optional. After all, if you have an older car that could easily be replaced if it were totaled, then you may decide to opt out of Comprehensive Insurance. On the other hand, there aren’t that many drivers prepared to easily replace a vehicle if it’s stolen or damaged.
As you discuss your auto insurance in Pflugerville, be sure to ask about no-fault insurance, Gap coverage, and collision insurance. The fact is: your insurance may be all that stands between you and walking.