What is Liability Insurance in Austin

November, 2013 by

When you drive, you do your best to drive as safely as possible. However, not many others follow the same safety guidelines as you do. Even with these safety precautions, accidents sometimes occur anyway. There are too many unpredictable variables to stay completely accident free. As everyone knows, any accident can cause very costly damages and injuries. This is why auto insurance was invented. It is there to help cover these
expensive costs that can come from an accident. However, there are many types of insurance. One such type is Liability Insurance in Austin.


Most states require some form of Auto Insurance for anyone to drive. This requirement is usually liability insurance. This covers when you are in an accident and are found to be at fault. Liability insurance covers any damages and injuries that occur to the other vehicle. It can also cover injuries to others in your vehicle. Most states require that you carry a certain amount of this insurance. The amount may vary from state to state. However, this amount is a set number of dollars the insurance will cover for each incident. In Texas, you must carry a minimum of $25,000 worth of property damage insurance. This amount is per accident. You must also carry at least $30,000 of insurance for injuries per person, up to at least $60,000. This can cover a significant amount of an accident. It does not, however, cover damages to your own vehicle. This would require adding additional coverage to your car.

Liability Insurance in Austin can be very beneficial to you, as a driver. If you are involved in an accident, it can cover the damages for you. Otherwise, you would be required to pay these damages out of pocket. The insurance company can also protect you from potential lawsuits and assist in these types of matters. Since the insurance companies have experience with accident related issues, they are more prepared to deal with them. Without insurance, you could face thousands of dollars in repairs and other damages. Then, if the person believes that there should be more paid, they could sue you for that amount. An insurance company is capable of preventing such activities.

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