Texas Car Insurance: Part 1 (What You Need to Know)

When it comes to taking care of your car, you want only the best. You want to have the auto insurance policy that can protect your Texas vehicle from the unexpected issues that arise at the most inconvenient times. You may be having a perfectly ordinary day, heading to work on your usual route, when you find yourself rear-ended out of nowhere by another vehicle…or worse. That is the trouble with mishaps like that – you cannot see them coming, and while you exercise the utmost care, you cannot control every possible outcome. However, you can minimize your risks by taking precautions and insuring your car properly so that it can withstand whatever comes. And since you cannot know what will come up in the future (or even tomorrow morning), being ready to handle whatever comes your way is non-negotiable.

What You Need to Know About Texas Car Insurance For Your Vehicle


It can be helpful to understand the protection that your car needs so that you can be certain that it receives the right coverage. After all, you don’t want to ever find yourself in a situation where you don’t have sufficient coverage for your situation. Being well equipped to deal with any unpleasant situation that could come along down the road is highly important. 

  • Having the right Texas bodily injury liability coverage, which covers the other driver’s medical expenses if you were the one who caused the accident, is invaluable. You never want to find yourself footing the bill on your own in such a situation, so having ample coverage for bodily injury liability is absolutely vital. Medical payment coverage – not to be confused with bodily injury liability – takes care of medical costs if you or your passengers are injured in an accident. While bodily injury liability coverage takes care of the other driver’s medical expenses, medical payment coverage protects you and others in your vehicle. 

  • One thing to always keep in mind is the importance of having the right property damage liability coverage for your Texas vehicle. If you damage property with your vehicle, the expenses can be huge without the right insurance coverage. Don’t let yourself be left vulnerable; taking steps to find the policy that can help protect you from steep liability costs is well worth it.

  • Make sure you have the right comprehensive coverage. Comprehensive coverage insures against damage to your car from theft, nature, and other disasters not classified as accidents. Should property be stolen from your car, you want to have the right coverage to reimburse you – and damage wreaked by nature is often swift and unpredictable, so having good coverage to deal with those issues is crucial, as well. Making certain that you have an insurance policy that can offer you the right comprehensive coverage is a must.

  • Collision coverage takes care of damage to your car if you are in an accident with another driver. Finding yourself in a crash (whether just a minor fender bender or a major collision) without sufficient coverage for it can be a terrifying thing, so making sure that you are prepared and have the appropriate insurance is essential. Uninsured and underinsured motorist coverage is another key element of Texas car insurance, so make certain you have ample protection here. This coverage takes care of you should you be involved in an accident caused by another driver and he or she has insufficient coverage. You deserve the comfort of knowing you are safeguarded regardless of other motorists’ responsibility. 

Safeguarding Your Car Means Protecting Yourself

The bottom line is, so many of your day-to-day activities depend on your vehicle, and you car’s well-being is not something to take lightly. Protecting your car is a crucial part of keeping your routine on track. It is important that you get the coverage that your car needs, and there is every reason to get the insurance policy that takes your needs into account. 
Here at Patterson Insurance, we know how much your busy life relies on your car, and we are here to help you protect it with a quality insurance policy that fits your needs. You can call our Carthage team at (903) 693-3831 or our Seven Points team at (903) 432-2436; contact us today so that we can help you get started finding the right car insurance policy for  you!