Simply meeting the state’s minimum requirements leaves you vulnerable to paying a large chunk of money out of pocket if you were to cause an accident.
While 30/60/25 coverage will meet the Texas state requirements, it might be too low to fully cover an accident if you are at fault, which will leave you on the hook for the balance.
Reports say the average new vehicle costs $45,717. The average used vehicle costs almost $30,000 ($29,969).
If you were to cause an accident and total the car of someone driving a used vehicle, your property damage coverage would not fully cover you, and you would be on the hook for the difference. What if you cause a multiple vehicle accident?
Simply meeting the state’s minimum requirements leaves you vulnerable to paying a large chunk of money out of pocket if you were to cause an accident. Not to mention, liability insurance only covers others. Most drivers should consider adding additional coverages beyond what is required by the state of Texas.
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