Car accidents can be terrifying, even minor ones. Although serious vehicle damage can result, it’s even more heartwrenching when people are hurt. Without the proper auto coverage in Aliso Viejo, CA, it can also lead to extreme financial difficulty. Ask a Breathe Insurance agent what coverage you need to protect passengers in your car and other vehicles to drive responsibly.
What’s Required By Law In Texas?
If you have passengers in the car during an accident, different coverage applies, depending on whether you or another driver is at fault. To protect the drivers and passengers on public roadways and to prevent financial hardship, most states, including Texas, require each driver to buy liability coverage, which provides a measure of protection to passengers in another vehicle if you cause an accident.
What’s Required By Insurance Companies?
If you still owe money on your car, your lender will require collision or comprehensive coverage. This coverage ensures that the insurance company can recoup its loss if you are in an accident.
How can You Protect Passengers in Your Car?
Liability coverage only protects passengers in other vehicles if you’re at fault. Medical and PIP insurance help you protect passengers in your own vehicle.
Personal injury protection (PIP) pays your and your passengers’ medical bills. It also covers lost wages and some nonmedical costs. The good news is that all Texas policies include PIP coverage. Drivers have to turn it down in writing if they don’t want it.
Medical payments coverage takes care of passengers’ medical bills. It also covers you if you’re injured while riding in another vehicle, biking or walking.
Knowing that an accident won’t lead to financial ruin for a driver or their passengers leaves insured drivers peace of mind. Today, contact Breathe Insurance to make an appointment for a free quote on auto insurance in Aliso Viejo, CA.