Auto Insurance in Texas

It's a fact — all drivers in Texas need auto insurance. According to state law, you must meet certain insurance minimums in property damage and medical liability to legally drive on public roads.

That said, auto insurance minimums are usually not enough. At David King Insurance Services LLC in Coppell, TX, we're dedicated to helping Texas residents find the insurance they need to drive confidently and safely. Read on to learn more about auto insurance in Texas and things you should be considering.

Why Minimum Auto Insurance is Not Enough

In any incident, you are at risk of not only paying for damages that occur to your vehicle (and if you are injured, your medical costs), but you could also be held liable for paying for damages that occur to others involved. Staying at the scene and getting a police report as soon as possible is always a good idea to help make sure that the liable party is held accountable, but even then, things may not be so black and white. In many accidents, everyone involved is held responsible in some way or another.

Sadly, it's also worth pointing out that a lot of people tend to flee the scene of an incident, especially if they were the ones at fault. If they cannot be tracked down, then the cost will fall to you. Likewise, people driving illegally without insurance may not have the means to pay. Having a more extensive insurance policy can help prevent you from paying for all of these costs out of your pocket.

What Kind of Auto Insurance Do I Need?

Auto insurance policies vary greatly, and the truth is that there is no "one size fits all" policy. That is why we take time to get to know our insurance clients and learn details like your type of vehicle, driving history, and current driving habits. All of these factors and more will help determine what kind of policy may offer you the most effective protection.

Don't wait until you get in an accident to start looking at a reliable auto insurance policy. The time to get the protection you need is now! Give us a call or come stop by the David King Insurance Services LLC offices in Coppell, TX today to get started.