Most people who buy auto insurance don’t understand what they are purchasing. Regrettably, it’s only after accidents that they realize they aren’t covered against certain perils. They say that information is power. And the truth, this notion isn’t an exception to insurance. To that end, here are facts that every Beaumont, TX driver should know even as they purchase auto insurance from JD Insurance Group.
Auto insurance is mandatory in Texas.
Yes, you know this, but we will say it nevertheless. Just like most states, auto insurance is mandatory in Texas. The state requires you to carry minimum bodily injury and property damage liability coverages. Failure to have auto insurance, you risk fines and penalties that include license suspension.
Understand the difference between commercial and personal auto insurance
Most people assume that private auto insurance applies when they use a personal vehicle for commercial purposes. Doing this exposes you to unpaid damage costs if your car gets into an accident while carrying out business duties.
State-required minimum insurance is never enough.
Yes, it’s vital to comply with the state-required auto insurance minimums, but this doesn’t protect you and your vehicle maximally. Mandatory insurance protects other persons but not you and your vehicle. As a result, consider other auto insurance options for all-round protection.
Make sure you have personal injury protection (PIP) coverage
Given the country’s escalating healthcare costs, it’s a no-brainer to ensure that your health is covered. When involved in an accident, you and your passengers could face substantial medical bills for accident-related injuries. Without health insurance, medical costs could hurt your finances significantly.
Furthermore, PIP coverage extends to cover partial loss of income and funeral expenses for you and your passengers following an accident. Indeed, this is a cover that every driver can’t afford to drive without.
Auto insurance in Texas
Are you renewing or shopping for new auto insurance? Don’t worry. Instead, contact JD Insurance Group in Beaumont, TX for proper auto insurance coverage.