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The Hart Law Firm

What types of car insurance coverage should I have to protect me in a Grapevine car crash?

texas auto insurance policy optionsIn Texas, a negligent driver is legally responsible for compensating the victims of an auto collision. However, the reality may be that the negligent driver has no or insufficient insurance coverage to compensate you and your family for the injuries he caused in a Grapevine car crash. That is why it is important to be certain that you have enough auto insurance coverage to protect yourself if you end up in this situation.

What Insurance Coverage Should I Get in Grapevine?

You need to have sufficient auto insurance to protect yourself as the victim of a wreck. Not being sufficiently insured can make the stress and financial toll of a car crash all the worse and have long-term consequences to your life and the lives of your family. The following are the required and optional insurance coverages that you should consider purchasing:

  • Liability insurance. You are required to carry a minimum of $30,000 per person and $60,000 per wreck for personal injuries and $25,000 for property damage. This will compensate victims of an auto crash that you caused. You should purchase additional coverage to properly protect yourself because a victim’s compensation could be substantially more than this amount.
  • Collision coverage. This is optional coverage that you would be required to purchase by your lender if you have an auto loan. It can pay for the cost to repair your vehicle or replace it up to its actual cash value—the current value of your vehicle minus depreciation—if it cannot be repaired.
  • Comprehensive. This is optional insurance to pay the repair or actual cash value of your vehicle if it is damaged by fire, vandalism, hail, or falling objects.
  • Medical payment. Medical payment coverage is another type of optional coverage that can be helpful. It would pay your medical bills or those of passengers in your vehicle and other injured people up to the coverage limits regardless of who caused the wreck. It will also pay funeral expenses.
  • Personal Injury Protection (PIP) coverage. PIP coverage will pay medical expenses, up to 80 percent of lost wages, and the cost to hire a caregiver for passengers, other injured persons, and you no matter who caused the crash. You will automatically receive this coverage unless you reject it in writing.
  • Uninsured/underinsured coverage. Uninsured and underinsured property and personal injury coverages pay for your vehicle damage and personal injuries if the other driver had no insurance or too little insurance to fully compensate you. This is another type of insurance that you receive automatically unless you reject it in writing. You should consider purchasing additional coverage over the minimum to protect yourself if you are in a serious crash with a driver who has no or little insurance.
  • Towing and car rental. These are both optional coverages that would pay your towing and car rental costs if you were involved in an auto collision and your vehicle was damaged.

Do you have questions about your auto insurance coverage or need to file a claim following a Grapevine auto collision? Contact us online or call us directly at 817.380.4888 to schedule your free, no-obligation consultation. Learn how our experienced car crash attorneys can help.

We help car crash victims throughout Arlington, North Richland, Grapevine, Bedford, Hurst, Eules and all points between.

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