If you're a driver in the United States, you're required to purchase liability insurance for your automobile. Most states in this country are tort states; therefore, individuals are held accountable for any damages or injuries they inflict on others. As a result, liability insurance is mandated by state law so you can provide remuneration to the other party if you're found to be at fault in an accident. Therefore, liability insurance is available in the forms of bodily injury liability insurance and property damage liability insurance. While BIL insurance covers any medical expenses incurred by the other party, PDL coverage provides compensation for any damages sustained by the other party's car. In the state of Texas, the minimum limits are set at 20/40/15, or $20,000 in bodily injury liability insurance per person or $30,000 per accident and $15,000 in property damage liability coverage. In all probability, you may want to extend your liability coverage to make sure you're optimally covered. Of course, your decision will ultimately be based on how much your drive and what you're planning to spend.
If you own or lease a newer model car, then it's advisable to include comprehensive insurance and collision insurance, or total coverage, into any of the Irving auto insurance quotes you obtain. Irving car insurance companies sell a variety of policies that include total coverage. While state law does not require you obtain full coverage, many lenders will not provide the funding for an auto loan unless you ensure them your insurance plan includes this type of coverage. Comprehensive insurance, also known as "OTC" or "Other-than-Collision" insurance, provides protection against damages from vandalism, theft, fire and weather-related causes. Collision insurance pays for damages incurred to your car from hitting another car or piece of property. If you own an older vehicle, it's probably best not to opt for total coverage if you want to reduce your premium. Enter your zip code now and we can help you decide which coverage is best for you.
Nevertheless, you may benefit by adding uninsured motorist insurance or underinsured motorist insurance to any Irving car insurance quotes you obtain. Uninsured motorist insurance provides coverage if you're hit by a driver who is driving without insurance. Underinsured motorist insurance offers similar protection as it pays for any medical costs or vehicle damages if you're hit by a driver without sufficient coverage. There are several Irving car insurance companies that offer a variety of plans for insuring your car. By simply entering your zip code we can help you to find the coverage to fit your needs at the best possible price.