Auto insurance is one of those aspects of life that people rarely think about on a daily basis and when they do, it’s usually because they’re either shopping for insurance or they’ve gotten in an accident. Shopping for auto insurance may not be your favorite thing to do, but it’s necessary for several reasons. Every state has their own set of requirements in terms of coverage limits and Texas is no exception. In fact, The Lone Star State legally mandates that all drivers must have Bodily Injury Liability with a minimum limit of $30,000 per person and $60,000 per accident.
Of course, it’s highly recommended that each driver use their own discretion when purchasing auto insurance in Mansfield and other parts of Texas. Make sure to review all the policy options that are available to you so that you can guarantee that you’re getting the maximum coverage that you can afford.
Auto insurance might not be something you think about often, but it’s something you’ll be glad you have when you actually need it. Here are six reasons why you should consider purchasing auto insurance if you don’t already have it.
Spend Money Upfront, Save Money Later
Contrary to what you might think, purchasing auto insurance is well worth it and doesn’t have to necessarily cost an arm and a leg in monthly payments. Even if you just get the bare minimum coverage as mandated by your state, it saves you from being liable to pay the full amount of expenses out of pocket in the event that you get into an accident where you’re at fault. Expenses for at-fault motorists can include paying for property or vehicular damages, paying the medical bills of the injured parties, and paying your own and other people’s legal fees if the other drivers decide to take you to court. These are astronomical costs that can add up very quickly and eat away at your life’s savings if you don’t have proper coverage.
It’s Better to Be Safe Than Sorry
Car accidents happen. This is a simple fact of driving and sharing the road with other people. Whether you’re at fault or someone else is the culprit, it’s always better to be prepared with a comprehensive insurance package to back you up. Not only is auto insurance useful for helping cover the costs associated with the accident as well as the aftermath (i.e. renting a car, paying for damages, etc.), but it’s also a relief to have a qualified auto insurance agent on your side who can help you navigate the process of filing claims and finding a reliable and affordable mechanic. Accidents are often unexpected, but that doesn’t mean you can’t or shouldn’t be prepared for them.
Even if you’re an excellent driver with many years of experience and have a clean driving record, other drivers exist—and they’re often imperfect. With a substantial rise in distracted driving incidents, it’s always better to be safe than sorry these days.
Have Peace of Mind
The right auto insurance coverage in Mansfield, Texas can give you the peace of mind you need to allow you to go about your daily business. Whether that entails commuting to and from work every day, dropping the kids off at school, or running errands, you can rest assured that your vehicle is covered in the event of an accident.
Statistics and common sense demonstrate that the more often you get behind the wheel of a car, the greater the risks are of getting into an accident. But with the right coverage to suit your needs, you won’t have to worry about a little fender bender eating away at your life’s savings. A qualified and reliable car insurance agent in Mansfield, Texas can review your current policy for you and help you make necessary changes or additions as you see fit.
Protect Your Vehicle, Protect Your Assets
Paying out of pocket for expenses accrued after a car accident doesn’t just hurt your vehicle – it can also take a severe toll on your bank account, especially if you’re at fault. From medical bills (which can be ongoing depending on the degree of the person’s injury) to legal fees and loss of income compensation, your financial losses can be astronomical. Without comprehensive or even basic liability coverage, you’re responsible for covering all of these expenses out of pocket or risk being sued for damages, which can get even more expensive.
Protect Yourself and Your Passengers
In the event that you get into an accident with one or more passengers in your vehicle, there’s a chance that either one or all of you will suffer an injury depending on the severity of the circumstances. If you have auto insurance coverage, then you may be able to use a portion or all of your claim to pay off yours and your passengers’ medical bills to avoid paying out of pocket as much as possible. This is especially helpful if you and your passengers don’t have sufficient medical coverage to pay for doctor’s visits, hospital stays, the chiropractor, or physiotherapy.
It’s Illegal Not to Have at Least Some Coverage
As mentioned, the state of Texas mandates that you must at least meet their minimum auto insurance coverage requirements. The problem is that minimum requirement only covers bodily injury liability related to the injury or death of another motorist or a pedestrian. It doesn’t necessarily cover injuries you or your passengers may suffer. Nor does it cover property damage liability, uninsured motorist liability, personal injury protection, expenses to repair or replace your vehicle, or comprehensive coverage in the event your car is stolen or damaged in a natural disaster.
If you’re in the market to purchase auto insurance in Mansfield, Texas or to update or revise your existing policy, Farmers Insurance – Crystal Schuder Agency can help you find the right coverage for the right price. We’ll thoroughly review your current policy examine your driving record to determine all of your options and explain them to you so that you can make an informed decision. Contact us today to book a consultation.