Auto Insurance Coverage: What Is and Isn’t Included?

Every state has unique auto insurance coverage legislation that determines the type and limits of policies that are mandated. The state of Texas mandates that all motorists must have a minimum liability insurance to protect you, your passengers, and any third party person you permit to drive your vehicle. Unfortunately, life is unpredictable and you just never know when an accident, natural disaster or other form of damage is lurking around the corner. For that reason, it’s always better to cover your bases and prepare for the worst case scenario while always hoping for the best.

With the help of a qualified Farmers insurance agent in Kennedale, Texas, you can guarantee that you’ll always be protected in the event that an unforeseen circumstance occurs. Wondering what type of car insurance you can and can’t get in Kennedale? Keep reading to learn what you’re options are and determine which car insurance policies make the most financial and practical sense for you.

What Does Auto Insurance Coverage in Kennedale Include?

As mentioned, there are many types of auto insurance available to motorists in Texas. In order to determine which policies you need, you should thoroughly consider your driving habits, practices, and record.

Here are the different types of auto insurance you can get in Kennedale.

Medical Payments or Personal Injury Protection (PIP)

Medical payments or PIP coverage isn’t required, but it’s certainly good to have in situations where you, as the driver or one of your passengers, becomes injured in a car accident and requires medical treatment. Regardless of the extent of the injuries suffered, paying out of pocket for medical treatment can be expensive because there are a lot of factors like medical bills, disability, and lost wages to consider. PIP can also sometimes cover funeral costs if a fatality occurs.

Collision

This type of auto insurance pays for damages sustained by your vehicle that result from colliding with another vehicle, contact with a building, telephone pole, fence, or other standing structure. Even collisions or contact with animals are typically covered here.

Depending on your policy, collision coverage will cover the cost of your vehicle repairs even if you’re at fault for the accident, minus the set deductible. If another motorist is at fault, however, then your insurance company will most likely work with the other driver’s insurance company (if they’re insured) and try to collect the money from them in which case you’ll be reimbursed for the amount of the deductible.

Liability Coverage

Liability coverage is the minimum amount of coverage required by the state of Texas. There are two types of liability coverage: bodily injury liability and property damage liability.

Bodily injury liability coverage protects you in the event that you or someone driving your vehicle (with your permission, of course) injures someone else (either a pedestrian, another motorist, your passenger, or the other motorist’s passenger). Paying their medical bills along with your own can be overwhelmingly expensive, so bodily injury liability protects you up to your policy limit. If the limit is insufficient, you can always increase it.

Property damage liability covers you in the event that you damage or destroy your property or someone else’s.

Liability insurance claims are filed by the injured party with your insurance company if you’re at fault. Your insurance carrier will guarantee that all expenses (or at least those that are within your policy limits) are paid for by the company.

Comprehensive Coverage

Comprehensive coverage covers the cost of repairs in the event that your vehicle sustains damages during a natural disaster such as earthquakes, hurricanes, windstorms, flood, hail, rioting, fire, etc. Basically, comprehensive coverage protects your vehicle in the event that an external force causes damages while the vehicle isn’t in use.

Uninsured/Underinsured Coverage

Most states only mandate that motorists purchase a minimum amount of car insurance coverage. In Virginia and New Hampshire, however, motorists aren’t legally required to purchase any insurance at all. Hence, there’s always the possibility that you could get into an accident with an underinsured or uninsured motorist.

Luckily, you can purchase underinsured or uninsured auto insurance coverage in Kennedale to protect your finances in the event that you get into an accident with another motorist who lacks sufficient coverage or coverage altogether.

What Isn’t Covered by Auto Insurance in Kennedale?

Now that we’ve discussed the basic auto insurance coverage you can get in Kennedale, Texas, let’s take a look at what’s not typically included.

Regular Wear and Tear Repairs

Unfortunately, cars don’t always age as gracefully as their drivers and that means over time, they develop certain wear and tear damages as a result of regular use. The repairs required for these types of damages are typically not covered by basic car insurance policies.

Damage That Exceeds Your Liability Limits

Each component of your car insurance policy has specific payment limits. That means if the cost of repairs or damages exceeds those amounts, your car insurance carrier isn’t legally obligated to pay or reimburse you for more than those amounts. Additional out of pocket payments will have to be made or you can opt to extend your coverage.

Other People Driving Your Car

In states where minimal car insurance is required, it’s illegal to allow drivers who aren’t named in your policy to drive your vehicle and you could face major fines for this violation. Your insurance company isn’t obligated to cover these drivers in the event of an accident or reimburse you for the fines.

Ridesharing

Ridesharing companies like Uber and Lyft have their own commercial insurance policies that are in effect from the moment a driver signs into their app and reports for duty, until a ride has ended or the driver goes offline. During the off hours, the driver’s personal insurance kicks in.

Looking for an experienced and dedicated car insurance agent in Kennedale?

Farmers Insurance – Crystal Schuder Agency can help you find the right auto insurance that fits your needs and your budget. With Crystal’s help, you can drive around worry-free knowing that your car will be covered in almost every event. Contact us today to book a consultation.

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