At Access Insurance Services in San Antonio, TX, we have been offering insurance for several years. To drive your car in San Antonio, you must have insurance. In Texas, you must have bodily injury liability coverage and property damage.
Bodily injury liability coverage
When you damage a third party’s car and probably, cause bodily injuries to the occupants of the car in an accident, this coverage will pay the medical bills.
Property damage liability coverage
When you damage a third party’s car or other property with your car, this coverage will provide funds to repair the property.
However, there are several problems with auto insurance policies. For both coverages, the minimum amount required will not take you anywhere. To enjoy wider coverage you need to raise your limit much more than the required minimum.
Imagine a situation where you cause an accident that affects multiple cars. For instance, if you stop suddenly on an expressway at a time when visibility is poor, it is highly likely that several motorists will run into you one after the other. How much do you think it will cost to fix about four cars and to pay the medical bills of about eight people?
Also, both coverages are for the third party. What about you? Who will repair your car? In an accident, your car may also be damaged and you may also sustain an injury, who will pay your medical bills? That’s why you should also consider other types of auto insurance coverage in addition to the mandatory ones.
Here is another issue to consider. It is our business and we know that some motorists still move on the road without insurance or without adequate insurance. So, if any of such drivers hit your vehicle, how will you handle it? The good news is that we offer insurance coverage for under-insured or uninsured driver liability.
To conclude, the two auto insurance coverages required by law are grossly inadequate. Contact us at Access Insurance Services in San Antonio, TX. We will advise you on all the necessary auto insurance coverages to keep you and your vehicle safe on Texas roads.