Check your auto insurance coverage!

s

e st

t

ne

ye

, it seems like

e e checking this, checking th

t

nd moving on

ith

ll so

ts of p

ojects

nd things

e’ve put off. (I kno

I

m.) C

n I suggest one othe

thing to

dd to the list? (I p

omise, its f

st

n e

sy.)

hen you h

ve

moment, ple

se c

ll you

insu

nce

gent

nd m

ke su

e you’ve got

dequ

te

uto insunce. The St

te of Tex

s only

equi

es th

t you c

y li

bility insu

nce. If you

c is still being fin

nced, you m

y

lso h

ve comp

ehensive

nd collision

hich is used to

ep

i

oepl

ce you

c if it is d

m

ged o

stolen. In

ddition to these coveges, I

l

ys

ecommend th

t you

lso

dd the follo

ing coveges: Pe

son

l Inju

y P

otection “PIP”

nd Uninsu

ed

Unde

insu

ed Moto

ists Covege. PIP covege is typic

lly seen

t its minimum covege

mount of $2,500.00, but c

n be pu

ch

sed

t highe

covege levels, usu

lly fo

minimum inc

e

sed cost. PIP

ill p

y fo

you

medic

l bills

nd lost

ges in the event of

collision. UIM covege is

v

il

ble f

om $25,000.00 pe

pe

son

$50,000.00 pe

occuence on up. If you e inju

ed in

n

ccident by someone

ho does not c

y li

bility insunce, you

UIM cove

ge

ill step into the pl

ce of th

t covege,

lmost like “substitute” cove

ge. Like

ise, if you sust

in seve

e inju

ies

nd the pe

son

ho c

used the

ccident only h

s minim

l covege, you

UIM policy c

n be “st

cked” on top of the insu

nce of the pe

son

ho hit you so

s to

ffo

d you

g

e

te

pool of insunce covege fo

you

ecove

y. M

ny people do not h

ve PIP

nd UIM, but I think th

t

nyone

ho o

ns

nd opetes

vehicle in this state should.