If you own a car in Arlington, TX, then you know how important it is to have good insurance coverage. At State Insurance Solutions, we pride ourselves on offering a lot of options in auto insurance to our customers. One of the most common options that our customers choose is to have insurance coverage for the medical bills that are incurred during an accident. It’s important to understand exactly what is covered by these riders, however.
If you have a basic insurance policy, coverage is only provided for the victims of an accident that you cause. This meets the requirements of Texas law, but it does not provide any coverage for you in the event of an accident. Therefore, it’s highly recommended that people choosing this type of coverage have separate medical insurance with great emergency coverage.
Collision and comprehensive insurance will usually provide coverage for the medical bills of yourself, your passengers, and any other victims of an accident. This coverage cap for some policies can quickly be reached in a major accident, however. Once the coverage cap is reached, victims are legally allowed to pursue reimbursement from the at-fault driver in an accident. This means that they can sue you to pay the remaining medical bills. Because of this, many agents recommend that their clients increase these coverage caps if their budget allows for it.
If you already have medical insurance, it’s important to note that your auto insurance can be used to fill in the gaps in this coverage.
If you want to save money on your auto insurance, give the agents at State Insurance Solutions a call. They have years of experience helping Arlington, TX customers find the policy that’s right for them.