The state of Texas requires all motorists to purchase basic liability insurance for their vehicles. While the liability coverage option is compulsory, other auto insurance coverage options could come in handy. These include comprehensive coverage and personal injury coverage among others. Harvest Insurance Group writes auto insurance for those all around the state of Texas. Here are our auto insurance coverage options:
Comprehensive coverage meets the repair or replacement of your vehicle after a non-accident related instance. Non-accident events include theft, weather damage, and fires. The spontaneity of non-accident incidents such as weather damage makes this coverage option a vital addition to your policy.
This coverage pays for the medical bills incurred by those injured during an accident. If a party loses wages as a result of the accident, the coverage offers the party compensation for lost wages until you get back on your feet. It allows you to carry out your financial obligations in spite of your injuries.
Collision coverage pays for your vehicle's repairs after a collision. This could involve another vehicle, building, potholes, or objects. Remember, the liability coverage option does not pay for the repair of your car hence the importance of this coverage option.
This coverage pays for the damage you may inflict on someone else's property. Usually, it is damage to another person's car, building, fence, or lamp posts. Additionally, it pays the legal fees when the other party sues you in a court of law for damages. If you are found responsible, the coverage pays for the losses incurred.