Reader’s Question:
What are the minimum requirements for car insurance in Houston? Will that be enough to keep me protected from traffic-related liabilities?
Dexter
Houston TX
The minimum requirements for car insurance in Houston is comparatively lower in relation to other states. A motorist has to buy at least $25,000 for bodily injury to one person, at least $50,000 for all bodily injuries and $25,000 for property damage. Liability insurance can protect you only up to a certain degree. When you accidentally hit a person, your insurance pays for that person’s hospitalization. Or, if you hit an electric pole, your insurer will pay for it. However, the damage to your car as a result of those incidents will not be shouldered by the insurance company. Instead, you are responsible for paying for your car’s repairs. A car insurance in Houston should include other coverages to protect you from all forms of liabilities. In addition to liability coverage, you should have a collision/comprehensive coverage so that you need not worry about other forms of liabilities. When your car becomes dented and needs a repair, you can have the insurer bore the costs for you. Houston is densely populated and anything could happen there. For instance, leaving your car for a few minutes to buy food from a convenience store, you found out that someone has vandalized it! You can’t go around town driving a very dirty car. If you have comprehensive coverage included in a car insurance in Houston you can have your car repainted even if you’re short of cash at the moment.