News & opinion How Much Car Insurance Do I Need In Houston Texas?

How Much Car Insurance Do I Need In Houston Texas?

car insurance

ong>Ho

Much C

Insu

nce Do I Need? ong> Yes, yes, I kno

, eve

y penny counts, especi

lly no

d

ys! But the fe

doll

s you m

y t

y to s

ve on you

c

insu

nce bill m

y cost you dely in the long

un.

Lets st

t

ith the b

sics. ong>In the St

te of Tex

s you e

EQUI

ED to h

ve

t le

st li

bility covege on you

vehicle ong>. Li

bility insu

nce is th

t po

tion of you

insunce

hich p

ys fo

the p

ope

ty

nd <

h

ef="https:

/c

inju

yvictims.com

“>pe

son

l inju

y<> d

m

ges of someone you hit if

n style="colo

: #3366ff;”>c

collision n> is you

f

ult. In Tex

s the minimum

mount of li

bility insu

nce th

t you e

equi

ed to c

y to cove

fo

bodily inju

ies you m

y c

use is $25,000.00 pe

pe

son

nd $50,000.00 pe

incident. You e

lso

equi

ed to c

y $25,000.00

o

th of insunce to coveny p

ope

ty d

m

ge you m

y c

use. So let me

sk you this, h

ve you seen

typic

l hospit

l bill l

tely? H

ve you seen some of the f

ncy cs people d

ive in this city? If those minimum limits sound

bit lo

, its bec

use they e. In

time

hen

ny st

y in

hospit

l is likely to cost tens of thous

nds of doll

s

nd

ne

Toyot

(not

Lexus mind you, but

Toyot

) c

n cost up

d of $30,000.00, you should se

iously think

bout

sking you

insunce

gent fo

mo

e th

n these minimum limits. I think you

ill find the cost of inc

e

sing you

covege to $100,000.00 pe

pe

son

nd $300,000.00 pe

incident su

p

isingly sm

ll. You

covege fo

p

ope

ty d

m

ge

ill inc

e

se

s

ell. Of cou

se,

s

n

lte

n

tive, you could just m

ke su

e you

l

ys d

ive behind vehicles th

t

e

t le

st ten ye

s old!

ong>

nothe

type of covege is c

lled Pe

son

l Inju

y P

otection, o

PIP.<

st

ong> This covege

ill p

y fo

you

medic

l expenses

nd up to 80% of you

lost

ges in the event you

e in

n

ccident. Usu

lly, the minimum

mount of PIP cove

ge is $2,500.00, but

g

in, it does not cost much to inc

e

se these policy limits.

g

in, given sky

ocketing medic

l expenses

nd the impo

t

nce of keeping up you

flo

of income, I suggest PIP covege in

t le

st the

mount of $5,000.00.

ong>In my opinion, the most impo

t

nt type of “option

l” cove

ge

nyone c

n pu

ch

se is Uninsu

ed Moto

ists (“UIM”) cove

ge. ong>This covege

ill “step into the shoes” of someone

ho c

uses

n

ccident if they

e

t f

ult

nd do not h

ve

ny insunce. In my pctice, you

ould be

m

zed

t the numbe

of times I see people involved in

ccidents

ho do not h

ve insunce. Not only is this illeg

l, but it is i

esponsible

s

ell. UIM insu

nce h

s

nothe

benefit

s

ell. It

lso

cts to p

otect you in the event you

e st

uck by someone

ho is unde

insu

ed. Fo

ex

mple, lets s

y you e st

uck in

collision

nd sust

in se

ious pe

son

l inju

ies. Fu

the

mo

e, lets s

y the pe

son

ho c

used the collision only h

s minimum policy limits. In this scenio, you

UIM cove

ge

ill “fill in the bl

nks”

nd

ill

ct to inc

e

se the li

bility limits of the “unde

insu

ed” d

ive

beyond $25,000.00.

Of cou

se, you m

y

lso

ish to pu

ch

se comp

ehensive

nd collision insu

nce

s

ell. This insu

nce

ill p

y fo

the

ep

i

of you

vehicle if you c

use

n <

title=”

ccident" h

ef=”/se

vices

c

ccident-

tto

ney-houston

“>

ccident<>, o

if you

c is stolen, etc. If you e fin

ncing you

vehicle, you

b

nk

ill

equi

e this cove

ge. You m

y h

ve

n option of the size of you

deductible. Ho

much

isk you c

n

ffo

d to t

ke in this

egd is

question of pe

son

l p

efe

ence.

The

e e

lso othe

types of option

l cove

ges th

t you

insu

nce comp

ny m

y offe

. These m

y include c

ent

l insu

nce, gl

ss b

e

k

ge, o

de

th indemnity.

hile some of these coveges e quite inexpensive, othe

s m

y not be

o

th the expense. ong>I

ould ce

t

inly m

ke su

e you h

d the “b

sics” (li

bility, PIP

nd UIM) in pl

ce befo

e you stted thinking

bout these “bells

nd

histles.” ong> So

emembe

folks, even if you e t

ying to

tch you

budget, be ceful

bout cutting b

ck too f on you

insu

nce bill. Insu

nce is one of those things th

t you hope you neve

need, but you

e d

n h

ppy you h

ve it when you need it!

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