Pflugerville car insurance allows you to build a custom policy to suit your precise needs. Not every driver needs all forms of coverage, and a Pflugerville agent can help you determine exactly what you need now. Finding a trustworthy Austin car insurance agent is one of the first steps to getting the right coverage. A good agent will anticipate your changing needs over time, ensure you are protected and save you money along the way.
Pflugerville is a suburb of Austin in central Texas. The town is relatively isolated from the major thoroughfares leading in and out of the TX capital, and Pflugerville residents enjoy convenient proximity to the city without the perils of city traffic. But locals are not safe from car accidents and other incidents, particularly those who commute to Austin for work or play. Every driver should take precautions against the financially crippling ramifications of a collision by purchasing Pflugerville automobile insurance.
The cost of insurance is nothing compared to costs of an accident. Medical bills, car repairs and legal fees can add up to thousands upon thousands of dollars, a sum most people likely cannot pay out-of-pocket. Uninsured drivers risk their savings, their assets and even their future wages by forgoing this necessary expense. That's not to mention the undue burden driving without car insurance places on the other motorists on the road. Texas law requires all drivers to be covered, and it isn't worth the risk just to save a few bucks each month.
State Requirements
Every Pflugerville driver must carry liability coverage, which pays for the other driver's medical and car repair bills if you are at fault for an accident. The state minimum required limits are 30/60/25: $30,000 per person and $60,000 per accident of bodily injury liability and $25,000 of property damage liability. The TX minimum requirements are higher than many states, but these figures are still modest compared to actual costs of most car accidents.
Medical care is becoming more and more expensive, so $30,000 might not go very far in caring for someone with severe injuries. Likewise, $60,000 must be divided among all of the passengers, so a multiple-injury accident will exhaust those limits quickly. Half the cars on the road today are worth more than $20,000, so $25,000 might not cover the costs to repair or replace a decked-out Mercedes or a brand new truck.
Your Pflugerville car insurance agent will recommend you raise your limits to reflect the value of your assets. If you cause an accident and your Texas liability car coverage is insufficient to cover the damage, you could be sued for the difference. Once your cash assets are exhausted, the court could move to liquidate your home, cars and other property to pay the judgment. Insuring yourself to the hilt protects you from such a scenario. If your sole significant asset is your home, valued at $250,000, you would raise your limits to 125/250/100, for instance.
People who own substantial assets worth $1,000,000 or more should consider an umbrella policy for even greater protection. An umbrella policy adds value to your liability limits in million-dollar increments. It is called an umbrella because it adds value to both your Pflugerville auto insurance and homeowners policies simultaneously. Umbrella policies are very inexpensive, and they can make an enormous difference in your financial well-being in the event of a car accident.
Covering Your Medical Bills
Liability is the only requirement of all Pflugerville drivers, but there are many forms of Pflugerville car insurance available to residents. In the event that you are responsible for a car accident, your liability will cover the other driver's expenses, but who takes care of your bills? You likely cannot cover thousands of dollars of auto repairs and medical bills on your own. Fortunately, there are Pflugerville car insurance options for almost an situation.
After an at-fault accident, you can call on your collision coverage to pay for your own car repairs. The limit should reflect the value of your vehicle, and this form of coverage is sometimes not recommended for people whose cars are worth less than $5,000. If you do not have existing health insurance, you will need medical payments coverage to pay your medical bills. If you have a family, look into coverage that will protect your passengers as well. Another option is personal injury protection, which covers extended at-home care and lost wages for severe injuries.
Pflugerville vehicle insurance will not protect you from the dangers on the road, but it will make the aftermath of a collision more bearable. Contact a Pflugerville car insurance agent today for more information on building your custom policy. Compare rates from several Pflugerville car insurance providers to find the best deals on auto insurance. Get started now by filling out our easy-to-use form for a free Pflugerville insurance quote.
Source: http://www.carinsurancequote.net/pflugerville.html
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