Types Of Auto Insurance In South Austin TX

Most states in the U.S. require drivers to have auto insurance to legally operate a motor vehicle. In most states, drivers cannot register a vehicle unless they can show proof of insurance. When it comes to automobile insurance, drivers have policy options.

Full Coverage/Comprehensive

This type of Auto Insurance in South Austin TX offers the most coverage. Because of this, it is the most expensive type of insurance. If a driver who carries this type of insurance causes an accident, their policy would cover the damage to the other vehicle as well as any medical bills for anyone who was injured in the accident. The insurance policy would also cover any damage to the responsible party’s vehicle and medical bills for their occupants. Full coverage would protect everyone involved in the accident.

Liability Insurance

Liability insurance is the minimum amount of insurance required by law. If a driver causes an accident, their liability insurance would cover the damage to the other drivers’ vehicle. It would also cover their occupants’ medical bills. The driver who caused the accident would not be covered under their policy. The cost of any damage to their vehicle or injuries sustained during the accident would need to come out of the driver’s pocket. This is the least expensive of the two types of insurance. This is because it provides the least coverage.

Uninsured Motorist

Unfortunately, all drivers don’t obey the law. There are some drivers who will let their policy lapse due to lack of funds. When this happens and they cause an accident, the driver that they hit would not be covered under their insurance. If this happens, and the driver has uninsured motorist coverage, it would cover the damages to the vehicle and the medical bills for those who were in the vehicle. If a driver is a victim of a hit and run accident, there would be nobody around to file a claim. The driver’s uninsured motorist insurance would cover the damage to the vehicle.

If a driver is planning to purchase Auto Insurance in South Austin TX, they should contact Patrick Court at State Farm Insurance. He can discuss with the driver what each type of policy covers so that the driver can make the best decision when purchasing auto insurance.

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