Depending on the condition of the accident, your vehicle and your budget, there is an insurance plan that's right for you, liability insurance. This type of car insurance coverage in Texas is used to repair your vehicle when physical damage occurs due to incidents not related to a collision (subject to the deductible). These incidents include theft, fire, vandalism, broken glass and contact with animals. Collision coverage is used to repair your vehicle when physical damage occurs due to a collision with another vehicle or object (subject to the deductible).
You can reimburse a portion of the wage loss, medical expenses, and essential services incurred as a result of an accident to eligible injured parties (i.e., not be selected if you opt for medical benefits). The Texas personal auto policy offers eight types of coverage. Texas law requires that you have basic liability coverage. The other coverages are optional, but if you still owe money for your car, your lender will require that you have coverage against accidents and against all risks.
The eight types of coverage available under the Texas personal auto policy are described below. Auto insurers can offer alternative policies if approved in advance by the TDI. An additional car automatically has the same coverage as the car with the most extensive coverage provided by your policy. For example, if you have two cars (one with only liability coverage and one with liability, collision, and all-risk coverage) and you buy a third car, the third car will automatically have liability, collision and comprehensive coverage.
A replacement car automatically has the same coverage as the car it replaced. For example, if you trade in an old car that only had liability coverage, the new car will automatically have only liability coverage. If you can't find a company that's willing to sell you a policy, you can get basic coverage through the Texas Auto Insurance Plan Association (TAIPA). You can keep the rented car for as long as the company deems reasonable to have it repaired.
You can easily get a quote from top companies like Allstate, Geico, State Farm, TX Farm Bureau online or over the phone, or use WalletHub's comparison tools to find the best auto insurance policy for your needs. If the other driver's limits aren't enough to cover all your medical bills, file a claim with your auto insurance company or health insurance company. Not having car insurance in many states can make you a high-risk driver when buying car insurance. It covers medical bills and vehicle repairs if your car is hit by a driver who doesn't have enough liability insurance.
If your accident was caused by another driver, the other driver's insurance company will pay you for a car rental. You and your family members are also covered when you drive someone else's car, including a rental car, but not a car that you don't own but to which you have regular access, such as a company car. For example, if your car is 10 years old, the company will pay you the value of a 10-year-old used car. Similarly, medical payment coverage (MedPay) is optional in Texas, but adding it is a relatively inexpensive way to cover your injuries in the event of a car accident.
If you think the other driver was at fault, but your insurance company won't pay your claim, file a claim with your own insurance company. Your insurance company will pay for a car rental only for as long as it deems reasonable to repair or replace your car. It won't be worth replacing your car with a new one that's the same make and model as your wrecked car.