Car insurance is a contract shared between an insuree and an insurance company. According to the contract, you pay premiums for protection against any financial losses related to vehicle damage or accidents.

Car insurance in San Angelo offers coverage for vehicle damage for both parties—yours and the opposite party’s—medical expenses, and other expenses related to injuries incurred in an accident and property damage during the accident.

 

In this blog, our experts have expanded on the car insurance requirements in Texas.

 

How Does Car Insurance Work?

 

When an individual buys car insurance, they pay for premiums while the insurance company pays for the losses mentioned in the insurance policy. All policies are priced separately to allow individuals to customize their coverage amounts, suiting their budget and requirements.

 

Auto insurance policies are generally for 6 to 12 months and are open to renewals. As soon as your car insurance policy reaches the end of its timeframe, the company informs the insuree to renew it.

 

Almost all states require car owners have bodily injury liability insurance. This insurance covers payments related to injuries or fatalities that you or another driver causes while operating your vehicle, irrespective of their demand of possessing a minimum amount of auto insurance.

 

Additionally, they could necessitate property damage liability, which pays out to third parties for harming you or another driver of your automobile to another vehicle or piece of property.

 

A few states go a step further and require car owners to carry medical payments or personal injury protection (PIP), which pays for medical costs associated with injuries you or your passengers may suffer. Additionally, it will pay for any lost wages and associated costs.

 

What Are Texas’s Car Insurance Laws?

 

Much like every state, Texas also has some car insurance laws, but they’re quite straightforward. The laws mainly require Individuals to verify financial responsibility to use the car legally. Most individuals pertain to that by managing their car insurance policy’s liability coverage at a minimal amount.

 

The state laws of Texas have the following minimum liability restrictions:

 

• $30,000 physical injury liability per individual
• $60,000 physical injury liability per accident
• $25,000 property damage liability per accident

 

Individuals are also required to carry insurance proof whenever they’re driving. That’s because if any law enforcement demands proof, insurees can show it on the spot.

 

If you’re looking for affordable car insurance in San Angelo, Pronto Insurance is at your service.

 

At Pronto Insurance, we have been a trusted auto insurance company in San Angelo, TX, for the past 10 years. Over this period, our team has offered insurance policies for various customers with the best insurance options possible.

 

Whether you’re looking for car insurance or motorcycle insurance, we can help you.

 

Get in touch with us to learn more about our services.