710 Melton St
Magnolia, TX 77354
If you have just bought a car, you understand that auto insurance is mandatory. But if you are a first-timer, you may be wondering how insurance protects you or what type of coverage you should buy. Understanding your options allows you to buy adequate protection in an accident. That is why Christian Insurance Agency, serving the people of Texas, walks you through the various types of auto insurance coverage.
Drivers in Texas are legally required to purchase liability insurance to protect other people on the road. There are two components to this type of coverage. The first one is bodily injury liability, which helps cover the medical expenses of a third-party injury if you cause an accident. The other is property damage liability, which covers any damage you cause to someone else's property after an accident.
This type of insurance will cover the damage to your car from things like vandalism, theft, hail, and fire. If any covered perils have damaged your vehicle, this coverage will help replace or repair it. While this is an optional coverage, most lenders will require it if you pay off or lease your vehicle.
Collision insurance cover will compensate you for any losses to your vehicle if you are involved in an accident with another car or an object like a tree or fence. The policy will not cover the damage to the other person's car or any medical expense, whether yours or the other driver.
This policy comes in handy when you get into an accident with an uninsured or underinsured motorist. The coverage can pay for your medical expenses and repairs to your car.
If you are a car owner looking for coverage that can protect you and your vehicle, you need to partner with Christian Insurance Agency in Magnolia, TX. Call us today, and we will help you find the policy you need. Our team of Magnolia, TX agents is waiting for you.