Texas requires all motorists, including motorcyclists, to cover vehicles for $30,000 of personal injury maximum for each person per accident, $60,000 of personal injuries maximum per accident, and $25,000 of property damage maximum per accident. This means that insurance will cover up to $30,000 of medical costs for an individual in an accident, up to $60,000 of medical costs for ALL persons involved in an accident, and up to $25,000 of property damage from a single accident. The state intends these liability insurance minimums to cover the persons and property of the other vehicle in the accident, rather than your own, in an effort to reduce uninsured motorist costs. Access Insurance Services, serving San Antonio, TX, can support you with determining the minimum coverage for your area.
Other areas of coverage are as follows:
- Collision/Comprehensive Coverage – Most banks require this if you purchased your vehicle through a loan and still owe the bank money.
- Medical Payments Coverage – Since the liability insurance covers the other vehicle, this covers the medical and funeral costs of those in your own vehicle and any other injured persons involved in the accident, whether the accident was your fault or not.
- Personal Injury Protection Coverage – This is similar to the Medical Payments Coverage, but includes coverage for lost income resulting from the accident.
- Uninsured/Underinsured Motorist Coverage – This type of insurance covers your costs if you are involved in an accident with someone who does not have insurance.
Contact Access Insurance Services, serving the San Antonio, TX area, for information on these and other add-on coverage options (such as towing or rental). Additional coverage depends on a motorist or vehicle’s needs, and Access Insurance Services is ready to guide you through this decision-making process.
