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Christian Insurance Agency

710 Melton St
Magnolia, TX 77354

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When basic auto insurance may just not be enough

Texas doesn’t require you to have auto insurance. It requires that you prove that you have the funds to pay for any injuries or damage that you might cause in an accident. Most people find the easiest way to prove their financial liability by buying auto insurance. At Christian Insurance Agency in Magnolia, TX, we are here to help you make sure that you are in compliance with the law and understand what basic auto insurance covers and what it doesn’t cover. 

If you decide to go the insurance route, Texas liability requires that you have 30/60/25 coverage. This is $30,000 for bodily damage for one person hurt in a vehicle accident with the total for all injuries of $60,000. $25,000 is allowed for property damage. This may seem like an okay amount, but considering the cost of a hospital stay, it could be too little to protect your assets. 

If you have an auto loan or are leasing your vehicle, you will be required to protect the vehicle. This requires that you carry collision and comprehensive insurance. If you have a new vehicle, you may also need gap insurance to ensure that you will get enough from an insurance payment for a totaled vehicle to pay off your loan. 

If you use your car for your daily life activities,  you can’t be without it. If you can repair or replace your vehicle without insurance, you don’t need it, but that would be a hardship for most people. You are protected from collisions with other vehicles and objects with collision coverage. It covers theft and lots of other damage that results from things other than a collision with comprehensive coverage. 

Contact Christian Insurance Agency in Magnolia, TX for all your auto insurance needs. 

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