Fort Worth TX Car Insurance
1:41 AM
What is the minimum amount of auto insurance that is required for the Fort Worth area?
The only type of car insurance that you must have is liability insurance. Liability coverage does not cover you, but those around you by paying for damages, which you have caused and are liable for.
In Fort Worth or Texas in general, you have to have at least $25,000 in bodily injury coverage for one person in an accident, $50,000 in bodily injury liability for everyone in one accident, and $25,000 worth of property damage liability.
Is it all right to just get the minimum amount of liability insurance (25/50/25)? The short answer is no. Because liability expenses can pile up really fast, you're better off paying more on your car insurance premium and not have to worry about being sued if you're liability coverage comes up short.
When shopping for auto insurance, you should also look at other insurance options. Different insurance types include Guaranteed Auto Protection (GAP), Personal Injury Protection (PIP), uninsured/underinsured, collision insurance, and comprehensive insurance.
Comprehensive coverage covers you for damages done to your car from things such as collisions with wildlife and theft. Collision insurance covers the cost to repair your automobile even if you are guilty in an accident. Guaranteed Auto Protection covers you in the event that someone steals your auto and there is a big difference between the cash you receive from the insurance provider and how much you still owe to the loan company. PIP is similar to normal health insurance. Uninsured/underinsured covers you if a guilty person does not have the liability coverage to pay you.
An excellent website to have a look at before you start calling auto insurance providers is the office website of The Texas Department of Insurance. Once there, you'll see that there is a survey of local Fort Worth car insurance businesses from each of the three Fort Worth counties (Denton, Tarrent, and Parker). The whole point of this survey is to make you want to shop around because quotes can vary wildly from one insurer to the next.
Consider speaking to a local independent car insurance agent because he or she has connections with many car insurance providers.
The only type of car insurance that you must have is liability insurance. Liability coverage does not cover you, but those around you by paying for damages, which you have caused and are liable for.
In Fort Worth or Texas in general, you have to have at least $25,000 in bodily injury coverage for one person in an accident, $50,000 in bodily injury liability for everyone in one accident, and $25,000 worth of property damage liability.
Is it all right to just get the minimum amount of liability insurance (25/50/25)? The short answer is no. Because liability expenses can pile up really fast, you're better off paying more on your car insurance premium and not have to worry about being sued if you're liability coverage comes up short.
When shopping for auto insurance, you should also look at other insurance options. Different insurance types include Guaranteed Auto Protection (GAP), Personal Injury Protection (PIP), uninsured/underinsured, collision insurance, and comprehensive insurance.
Comprehensive coverage covers you for damages done to your car from things such as collisions with wildlife and theft. Collision insurance covers the cost to repair your automobile even if you are guilty in an accident. Guaranteed Auto Protection covers you in the event that someone steals your auto and there is a big difference between the cash you receive from the insurance provider and how much you still owe to the loan company. PIP is similar to normal health insurance. Uninsured/underinsured covers you if a guilty person does not have the liability coverage to pay you.
An excellent website to have a look at before you start calling auto insurance providers is the office website of The Texas Department of Insurance. Once there, you'll see that there is a survey of local Fort Worth car insurance businesses from each of the three Fort Worth counties (Denton, Tarrent, and Parker). The whole point of this survey is to make you want to shop around because quotes can vary wildly from one insurer to the next.
Consider speaking to a local independent car insurance agent because he or she has connections with many car insurance providers.
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For a more complete FREE guide on auto insurance in Fort Worth and auto insurance in general, check out Fort Worth Liability Insurance and Auto Insurance Fort Worth.
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