What Is The Minimum Required Car Insurance in San Antonio
Reader’s Question:
What is the minimum coverage in San Antonio car insurance? Is it recommended to include an underinsured/uninsured motorist coverage for a traveling salesman?
Bob
San Antonio TX
In Texas, a motorist is required under the law to have a liability coverage of $25,000 for bodily injuries to one person, $50,000 for all bodily injuries, and $25,000 for property damage. That means when you buy a San Antonio car insurance, you should have at least those coverages. For a traveling salesman, a liability insurance is not enough. You should have a collision/comprehensive insurance, and yes, an underinsured/uninsured motorist coverage under your San Antonio car insurance to protect you from all sorts of damages. The collision/comprehensive coverage will keep you from worrying over repairs in the event that you get involved in a car accident.
You need not worry about getting your car back in shape. That coverage will also protect you from other forms of damages not resulting from collision. For instance, your fender is dented because you hit an animal while driving in the interstate. Your San Antonio car insurance will pay for the resulting damage. You can claim from your insurance for the fender’s repair. The underinsured/uninsured motorist coverage will also protect you from those motorists who have no insurances or who don’t enough coverage. It will also protect you in case you get hit while a pedestrian.
San Antonio Texas SR22 Insurance – Can I File a Claim?
Q: Should I file a claim on my San Antonio Texas SR22 policy if damages were small?
A: Damages may often seem small from your eye’s view, but when an expert takes a closer look, or when you give them time to settle in, the damages grow. The truth is, unless you’re both a mechanic AND a doctor, your opinion on the damages and injuries of your car accident have a good chance of being completely wrong, and so you should file a San Antonio Texas SR22 to ward off any problems.
Now, this may put you at risk of raising your premiums with your San Antonio Texas SR22 car insurance company, but you have to calculate the pros and cons. A simple fender bender may have caused a lot more internal damage in your car than you can tell from the outside–it did so to mine recently, even though my car had barely a scratch. And a simple crick in the neck right after the crash may turn into a chronic back and neck problem which requires repeated attention and physical therapy. You can’t know what the outcomes will be, and by brushing off a claim, you could lose thousands of dollars, if you’re able to pay them at all.
Most of all, if the accident was your fault, you can never know if the other person will file a claim with your San Antonio Texas SR22 company even if they said they wouldn’t, which would get you in trouble.
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