When you’re shopping for auto insurance Dallas, you should be careful to avoid purchasing insurance without the right coverage. Insurers that only advertise state minimum coverage, could leave you susceptible to financial loss at the time of an accident. As a result, we came up with this list of coverages and their discriptions so you can understand the importance of these coverages.
Rejecting Personal Injury Protection. Most people that shop for minimum auto insurance in Dallas, reject personal injury protection without understanding how this coverage works. Personal Injury Protection (PIP) provides medical coverage for you and the your passengers in case of a car accident. This coverage pays regardless of fault, and is subject to a limit of $2500 or more. This coverage can also pay up to 80% of your lost income if you miss time from work as a result of an accident. So make sure you discuss this with your insurance agent prior to rejecting and signing away this valuable coverage.
Medical Payments Coverage. Dallas residents that reject personal injury protection also have the option of selecting medical payments coverage as well. This coverage is just as it sounds. Medical payments will pay medial dental and even death in case of a car accident. It has no income protection built into the policy like personal injury protection.
Uninsured Motorists Coverage. In Dallas, removing uninsured motorists coverage from your car insurance is generally a bad idea. According to the most recent statistics published by TexasSure, approximately 21.65 percent of Texas drivers remain uninsured. That means if you have an accident, you still have a 1 in 5 chance of having an accident involving an uninsured driver. If this happens, you want to have the additional bodily injury and property damage coverage for you and your car.
Towing and Emergency Road Service. Many companies now offer roadside assistance as an optional addition to the standard auto insurance policy. If you find yourself in a situation needing a jump start or if you lock your keys in your car, emergency road service will get you out of a jam in a hurry. As a part of this coverage, many insurance companies offer labor at the site of disablement along with delivery of gas and oil if needed. In fact, many companies will allow you add this to your policy even if you only carry liability.
Aside from these four coverages, many insurance companies offer additional benefits such as pet medical insurance, death indemnity, loan or lease payoff and even gap insurance. In the end, the level of auto insurance coverage you purchase should be based on your needs and your budget. The best way to make sure these needs are met is to discuss them with a qualified insurance professional
For additional information regarding auto or homeowners insurance, contact David Berry in Dallas, Texas at 214-717-4326 x 101. You may also contact us at TXINSURANCEPRO.COM.