What Kind of Insurance Coverage Should I Have for Auto Accidents?

Auto AccidentsIt is well known that insurance is confusing and complex. Choosing the right insurance coverage to ensure you will be properly compensated after an auto accident can be hard. While Todd. R. Durham is not an insurance agent; he deals with insurance companies on a very regular basis. He helps everyday people receive the compensation they are entitled to when they are injured. Here are a few types of coverage that you need to look out for when you want to protect yourself in case of a car accident.

Collision Coverage

When you have collision coverage, you can rest assured that you will be covered for damages to your car. Collision coverage will help you pay for repairs after an accident. If you have a car that isn’t worth replacing, you may want to skip collision coverage. The best way to determine if it is a good deal for your situation is to discuss it with your insurance agent.

Liability Insurance

When it comes to car accidents, determining fault can be tricky. If you are determined to be liable for the accident, you may be on the hook for a hefty amount. Liability insurance helps to cover damaged property, medical bills, and any other injury costs of the accident. The majority of states require you to have at least a minimum amount of liability coverage. Texas requires 30/65/25 coverage. This means you need:

  • $30,000 for each injured person
  • $60,000 per accident
  • $25,000 for property damages

The minimum liability coverage will quickly be used up in the event of a serious car accident. You may want to add additional coverage to ensure you are adequately covered.

Other Coverage Options

There are other coverage options such as comprehensive coverage and personal injury protection that may be useful for you to have in the event you are involved in a car accident.

If you have been involved in a car accident, and you are having issues with the insurance company, contact Todd R. Durham today for more information. Call (214) 222-4000 today.


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