A Guide to Texas Auto Insurance

In the state of Texas, it is required that you hold the minimum amounts of liability insurance on each car that you own. In fact, you can’t even register a vehicle in Texas without showing proof of insurance. So, what is the minimum requirement for liability insurance in Texas? What is the recommended amount? How do you go about finding a car insurance company that has your best interest in mind? These are questions that you should discuss with insurance agents and know the answer to before purchasing car insurance from any particular company.

Texas Regulations for Car Insurance
Being a car owner in Texas, you should know what regulations are required for your auto insurance. Currently, the law requires a minimum coverage of $30,000 per injured person per accident, $60,000 for all injured people in an accident, and $25,000 for property damage. But, the laws are constantly changing, so be sure that you know the current Texas auto insurance requirements before you purchase your car. Because Texas is a tort state (rather than a “no fault” state), there is always someone found to be the cause of the accident. This person is then responsible for all damages and the victims are compensated by the at-fault person’s liability insurance policy. If damages are greater than the coverage amount, the victim can sue the at-fault party for additional charges. Because of this, most Texas insurance companies recommend that drivers carry higher coverage than the minimum required by law. Talk to a couple different insurance agents to see what the recommended amount is for you.

Choosing the Auto Insurance That’s Right for You
Beyond just the required liability coverage, car insurance policies should offer property and medical coverage as well. It is crucial to know that your family will be financially covered no matter what tragic accident could happen on the road. So, how do you begin to choose among the hundreds of companies out there? Deciding between the different available options is not just about comparing prices and services, but speaking with insurance agents to make sure you can trust them. Often times some of the large, popular insurance companies will just look at you as another policy number and not even bother to learn your name or sympathize with your needs. Don’t just take the easy route by automatically going with one of the “big name” companies. Look into local insurance companies to compare what they have to offer as well. You may be surprised with the great service, good deals, and friendly people that you find. Personally, I prefer to be treated as a part of the family, rather than just another policy number!

Get A Policy is a business-to-consumer Texas insurance agency that delivers Web-based, insurance information to individuals, families and businesses who are in need of insurance information. Their integrated suite of online services facilitates a comprehensive search and review of leading insurance companies. Get A Policy is not owned by an insurance company, therefore they provide objective information to consumers and business owners, helping them make informed decisions about their insurance needs. Their insurance policies and service are available to all Texas residents.

Travel Insurance and What You Need to Know.

Travel insurance is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one’s own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a “multi-trip” policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be purchased to include higher risk items such as “winter sports”.

Would you like to add travel insurance to your purchase?

Here are 9 Reasons to buy travel insurance

1. Your flight has been cancelled.
2. Your bags are lost and your medication is in it. You need to have an emergency prescription filled.
3. Your passport and wallet are stolen, and you need emergency cash and a replacement passport.
4. You’re involved in an accident and adequate medical treatment is not available. You need medical evacuation.
5. You need to cancel your trip due to illness.
6. Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered and to get to your destination.
7. You have a medical emergency in a foreign country.
8. A terrorist incident occurs in the city where you’re planning to visit and you want to cancel your trip.
9. A hurricane forces you to evacuate your resort, hotel or cruise.

And the basics types of insurance:

1. Flight insurance
2. Trip Cancellation and Interruption insurance
3. Health Care insurance
4. Baggage insurance
5. Non-refundable insurance
6. Golf travel insurance
7. Adventure/extreme sports travel
8. Credit card coverage
9. Terrorism tips

You can purchase your travel insurance getaway any time you like, but if you wait until there is a hurricane alert to purchase it, you won’t have coverage for hurricanes. Of course, purchasing your travel insurance earlier rather than later is ideal because travel insurance only covers unexpected events.

Generally, travel insurance is sold in packages, combining various categories of coverage. Go through them all, determining what you need and what you don’t, either because you’re not at risk or you’re already covered. If a package doesn’t seem worth it, more customized policies offer certain options. But you may not end up saving that much.

It’s best to estimate the total trip cost and get the insurance protection you need and make changes to the policy if you incur higher-than-expected trip costs later. If you end up with lower trip costs, then you can make changes to the coverage and get a partial refund of your premium as well.