Auto Insurance in Fort Worth Texas
What are the minimum car insurance requirements for Fort Worth Texas?
The only insurance that you are required by law to have is liability insurance. Liability insurance does not pay for damages or injuries that have been incurred by you, but damages that have been incurred by others, and for which you are liable for.
If you reside in Fort Worth you have to have the following amount of liability coverage: $25,000 in bodily injury coverage for a single person in one accident, $50,000 in bodily injury coverage for everyone in an accident, and $25,000 worth of property damage liability protection.
Yes, you can get by just by purchasing the minimum liability requirements. But is it enough? Probably not. If you happen to get into a serious accident, bodily injury expenses and property damage can go into the hundreds of thousands of dollars.
Of course, liability coverage is only the beginning. You have other insurance options to consider. This would include collision insurance, comprehensive insurance, Guaranteed Auto Protection, uninsured/underinsured motorist, and Personal Injury Protection.
Comprehensive insurance covers you for damages done to your car from things such as collisions with wildlife and hail. Collision insurance covers the cost to repair your auto even if you are guilty in an accident. Guaranteed Auto Protection covers you in the event that someone steals your auto and there is a big difference between the cash you receive from the insurer and how much you still owe to the loan company. PIP is very similar to normal health insurance. Uninsured/underinsured covers you if a guilty party does not have the liability coverage to pay you.
An excellent site to have a look at before you start calling auto insurance providers is the office online site of The Texas Department of Insurance. Once there, you'll find that there is a survey of local Fort Worth auto insurance businesses from each of the three Fort Worth counties (Denton, Tarrent, and Parker). The whole point of this survey is to make you want to shop around because quotes can vary wildly from one insurer to the next.
Consider speaking to a local independent car insurance agent because he or she has connections with many auto insurance providers. - 23211
The only insurance that you are required by law to have is liability insurance. Liability insurance does not pay for damages or injuries that have been incurred by you, but damages that have been incurred by others, and for which you are liable for.
If you reside in Fort Worth you have to have the following amount of liability coverage: $25,000 in bodily injury coverage for a single person in one accident, $50,000 in bodily injury coverage for everyone in an accident, and $25,000 worth of property damage liability protection.
Yes, you can get by just by purchasing the minimum liability requirements. But is it enough? Probably not. If you happen to get into a serious accident, bodily injury expenses and property damage can go into the hundreds of thousands of dollars.
Of course, liability coverage is only the beginning. You have other insurance options to consider. This would include collision insurance, comprehensive insurance, Guaranteed Auto Protection, uninsured/underinsured motorist, and Personal Injury Protection.
Comprehensive insurance covers you for damages done to your car from things such as collisions with wildlife and hail. Collision insurance covers the cost to repair your auto even if you are guilty in an accident. Guaranteed Auto Protection covers you in the event that someone steals your auto and there is a big difference between the cash you receive from the insurer and how much you still owe to the loan company. PIP is very similar to normal health insurance. Uninsured/underinsured covers you if a guilty party does not have the liability coverage to pay you.
An excellent site to have a look at before you start calling auto insurance providers is the office online site of The Texas Department of Insurance. Once there, you'll find that there is a survey of local Fort Worth auto insurance businesses from each of the three Fort Worth counties (Denton, Tarrent, and Parker). The whole point of this survey is to make you want to shop around because quotes can vary wildly from one insurer to the next.
Consider speaking to a local independent car insurance agent because he or she has connections with many auto insurance providers. - 23211
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For a more complete FREE guide on auto insurance in Fort Worth and auto insurance in general, check out Fort Worth Auto Insurance and Auto Insurance Fort Worth.
posted by X - Men @ 12:31 AM
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