Why You Need Car Insurance in Magnolia

Most people need to drive to perform many of the necessary tasks for their lives. It is the means to get to work, school, appointments, and the store. For many, walking to these places can be impossible due to location and their lack of sidewalks. However, driving is a great responsibility and comes with huge risks of accidents. These accidents can create costly damages and injuries that most people are unable to afford. Fortunately, Car Insurance in Magnolia can help with these costs of such an incident.

Required coverage

Almost every state requires some form of insurance coverage or statement of financial responsibility to drive. In Texas, anyone who drives is required to pay the costs of any accident they are found to be at fault. In Texas, if a person opts to buy insurance to cover their financial responsibility, they must purchase a minimum of $25,000 for property damage per accident. They must also purchase coverage for injuries of at least $30,000 per injured person and $60,000 per accident.

Uninsured motorists

Although Texas requires the at fault driver to pay for any damages or injuries, some people still do not purchase insurance to cover these costs. This can also leave the injured party to file claims in court to have the costs covered. This can sometimes require the person to pay out of pocket for much of these damages. Fortunately, a person can add coverage to their car insurance in Magnolia that covers them in these types of situations.

Optional coverage

Even if the driver of a vehicle has liability insurance, if they are the cause of an accident, their insurance will not cover the costs of the damages to their own vehicle. Fortunately, there are optional types of coverage that can help with these costs, as well. They can even add to their policy coverage that provides compensation for damages that occur due to theft or vandalism.

Even minor damages to a vehicle can be quite costly. This is also true for any injury from an accident. It is important to protect one’s self from such costs and financial issues. Car insurance can provide that protection. Contact us for more information or to get a quote.

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    Author: Greene Connor

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