Auto insurance in Houston varies depending on the coverage the policyholder selects. State law requires every driver to have liability insurance. It’s essential to understand what your policy covers before an emergency occurs.
What Is Liability Insurance?
Liability insurance is often the minimum coverage required in most states. These policies are designed to provide coverage for other people. In the event of a car accident, a liability policy covers the other person’s property damage and bodily injury. However, it does not cover any damage to your own property.
Does Liability Insurance Cover Storm Damage?
No, liability insurance does not cover damage caused by storms. Since it does not provide coverage for your vehicle, it also excludes damage caused by natural disasters. Additionally, it does not cover theft, vandalism, or damage to your car in accidents, such as hitting a telephone pole. For these reasons, many drivers opt for higher levels of coverage.
Exploring Other Coverage Options
While liability insurance is required, you have other options to enhance your protection. Additional levels of coverage provide the necessary liability protection while also covering other incidents that may arise. Comprehensive coverage, for example, protects against damage not caused by an accident, such as storm damage or falling objects like tree limbs.
Collision coverage, on the other hand, provides protection in the event of an accident. This type of policy ensures coverage for damages to your vehicle. Insurance companies may differ in their coverage of accidents involving objects like telephone poles under collision or comprehensive policies. An agent at City Centre Insurance Agency LLC can help clarify these details.
Contact City Centre Insurance Agency in Houston, TX
At City Centre Insurance Agency, our experienced agents are here to address your concerns and provide personalized solutions. We can help you understand what different policies cover, as well as additional options, such as rental car reimbursement. Contact us today to learn more. We proudly serve the Houston, TX, area.
