Every driver has his or her own unique car insurance needs. Some drivers have late model vehicles, and only need a good liability policy that will protect them from a financial crisis if they cause an accident. Others have new vehicles and want a policy that protects their investment, as well as their finances if they are ever involved in a crash. An insurance agent can help a driver get the right car insurance services in Frisco to meet their needs.
In the state of Texas, you are required to carry minimum auto insurance. Because Texas is a no-fault state, you have to have personal injury protection and property damage liability. If you are ever in an accident, your insurance company will take care of your medical bills. You simply need to contact your agent and notify them of the accident. The property damage liability portion of your insurance covers any damage that you cause to another vehicle in a crash. Unlike personal injury protection, this part of your policy does not extend to your vehicle.
If you want more coverage against losses, you can add to your policy. Car insurance services in Frisco offer collision coverage, which pays for the damage that you cause to your vehicle. If you need to swerve to avoid an animal on the road or a child on a bicycle and end up hitting a pole, collision coverage will pay for the cost of repairs to your vehicle. Without collision coverage, the same accident would have to be paid for out of your pocket.
Comprehensive coverage provides additional protection against losses not related to car accidents. A comprehensive policy may pay for repairs to your car if it is damaged by a storm, stolen, or vandalized. While there are limitations to comprehensive coverage, you can expect it to cover most of the things that can happen to your vehicle. If your windshield is damaged by a flying pebble on the highway, comprehensive insurance will cover the damage and replace your windshield if necessary.
Contact Parkwood Insurance for more information about Texas auto insurance or for help choosing a policy that meets your car insurance needs. An agent will work with you to get you the best coverage available for your budget.