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.
Does Liability Auto Insurance Cover Car Damages?
Reader’s Question:
My sister was driving my car and rear ended a person. She has only liability coverage and I have a full coverage in San Antonio TX. Will my car insurance pay or hers?
Jim
San Antonio, TX
Your car insurance in San Antonio TX should pay since it was your vehicle that was being driven. There should not be any issues with your sister driving if she is not excluded from the coverage. Most auto insurance policies define in as you or a relative or any individual using your insured vehicle with your express or implied permission to do so. But, if she is a household member than she may need to be listed on the policy in order to be a covered motorist.
You should report this loss to your insurance provider if you have not already. A licensed claims adjuster will be able to inform you the coverages and benefits on your car insurance policy with you.
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