Auto Insurance to Fit Your Needs
When it comes to the island that is Galveston, Texas, you have a variety of options when it comes to picking your auto insurance. With all the different carriers and agents available, it can be difficult to choose just one. Here at Best Insurance in Galveston, we are here to help you and your family. Whether it be for you auto, RV, or recreational vehicle, we can help you find the coverage you need and a price you can afford.
What insurance does the state require?
In Galveston, as well as everywhere in the state, you are required to carry some form of liability insurance to be legally able to drive, and failure to do so can result in serious fines or even having your license suspended. In addition to fines and license suspension, you could be held responsible for paying medical bills and property damage costs if you are involved in an accident.
The state of Texas, including Galveston Island, requires that you carry a minimum of 30/60/25 coverage. This means that you must have coverage of $30,000 for injuries per person, $60,000 for injuries per accident, and $25,000 for property damage. While it is required to drive, it also protects you from paying what could be thousands of dollars in damages out of your own pocket.
Galveston is a crowded place with busy streets, and while having liability coverage prevents you from having to pay for someone else’s medical bills and car repairs, what about you and your passengers? Although not required, some optional coverages you might consider are Personal Injury Protection, Medical Payments, Comprehensive Coverage, Collision Coverage, and Uninsured Motorist. All of these additional coverages protect you and your passengers in the event of an accident.
Medical Payments and Personal Injury Protection
Both Medical Payments coverage and Personal Injury Protection will pay for you and your passenger’s medical bills regardless of who is at fault in an accident. However, Personal Injury Protection can also cover lost wages if you are unable to work as the result of a car accident.
Comprehensive and Collision Coverage
Collision coverage covers your vehicle if it gets damaged in an accident caused by you or another driver, and is usually required if you are still making payments on your vehicle or if you are leasing it. Comprehensive coverage covers your vehicle if it gets damaged as a result of something other than a collision including theft, fire, or natural disasters. Being on the water, Galveston is no stranger to tropical storms, hurricanes, and flooding. Comprehensive coverage protects your vehicle from these disasters.
While liability insurance is required by law to drive in Galveston, and everywhere in Texas, not everyone abides. Uninsured motorist coverage covers you and your vehicle if you are hit by someone who does carry any or enough liability coverage. Uninsured bodily injury coverage covers you and your passengers, while uninsured property damage coverage covers your vehicle.
Finding Coverage to Fit Your Needs
Here at Best Insurance, we have helped clients all over Galveston find the right coverage at an affordable rate. Contact us today for a free quote on your auto insurance!