How Much Liability Car Insurance Do You Need?
Everyone needs to have car insurance in order to legally drive a car. The amount of car insurance that is required varies for state to state.
Liability coverage will pay for treatment if a person is injured or if any repairs need to be made to the car as a result of an accident. If a driver is found to be at fault for their accident their liability coverage will pay for this. Liability coverage will not pay for their own car repairs or their medical bills. This coverage is needed to help protect a drive from lawsuits and having to personally pay any damaged if they are found to be at fault. If the amount of money for medical treatment or repairs exceeds the amount of coverage they have the driver is responsible for covering the rest of the cost.
There are some required amounts of liability insurance in the state of Texas.
Different Coverage Amounts
A person can choose from three different coverage amounts. The lowest amount of liability insurance that a person can have and drive legally is $30,000 for bodily injury liability per person. The next amount that a person can select from is $60,000 bodily injury per person. There is additional liability insurance a person will need to have per property damage. A person in the state of Texas is required to carry at least $25,000 property liability insurance per accident. These are just the minimum amounts a person needs to stay legal. They can get additional coverage if they choose to. When purchasing liability insurance a person needs to remember they are responsible for any amounts that exceed their coverage limits.
The maximum amount of liability insurance will vary based on insurance company that operates in the state of Texas. A person needs to remember the more coverage they have the higher their premium will be. Higher coverage amounts can save a person in the long run if they are found to be at fault for an accident. Some of the common limits for bodily injuries per person can go up $100,000. Some insurance companies will even offer $500,000 worth of liability coverage. A person can also get up to $100,000 in liability coverage for property damage. If a person thinks they are going to need additional coverage they can check with the insurance company to see if they can take out umbrella insurance. This will cover the costs if the damage goes above their liability coverage.
Why You need liability insurance?
In order to drive legally in the state of Texas a person will need to carry liability insurance. This coverage will protect a person from losing their home and other assets if they are sued. This coverage is required in the state of Texas. If a person is caught driving without liability insurance they can get into big trouble and possibly even lose their license.