Why basic auto insurance may not be the right choice for you

Texas doesn’t require that you have auto insurance, but it does require that you show you have the means to pay for any damage you may cause to someone else. Most people find that it is easier to just have auto insurance than to prove they can pay for the results of an accident. At Barry Insurance Group in Pearland, TX, we are independent agents and have access to many carriers meaning that we provide our customers with more choices. 

Why basic auto insurance may not be the right choice for you

In Texas, basic coverage is 30/60/25. If only one person is injured the insurance will provide $30,000 coverage, if more than one person is injured, the total can’t go over $60,000. It also allows $25,000 for damage to property. This may sound like a pretty generous amount for basic insurance but think about what a stay in the hospital costs. It could go way beyond the minimum allowed in just a few days to say nothing of a judgment. 

If you have assets, they could be in danger if your insurance is not enough to pay for any damages you cause. 

Are you leasing your vehicle or do you have an auto loan? Then basic auto insurance is not going to be enough. You will be required to have collision and comprehensive to protect your vehicle as well as other people. 

Think about what your life would be like if your car was totaled in an accident you caused and you have no collision or comprehensive coverage. How would you get to work? How would you run errands? Can you live without your vehicle? Most people need a car to survive in suburbia. Think about that before you opt for basic coverage. 

Contact Barry Insurance Group in Pearland, TX for an auto insurance review or a new carrier for your vehicle. 

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