Car Insurance Houston
|
|
SR22 insurance, as its commonly called, is not actually a type of Florida auto insurance. Explained in a few words, SR22 is simply a document (form) which is used by auto insurance companies to prove that an individual is compliment with the minimum limits of liability required.
SR22 form is filed by your auto insurance company to the Florida’s Bureau of Financial Read the rest of this entry »
My sister is going to give me her car. Can you tell me how to get the best car insurance quote in Houston Texas?
Joseph
Houston Texas
Shop for insurance first. But at the end of the day, price is always the deciding factor in buying something. But it does not necessarily mean that a very low insurance quote means that is the best car insurance quote already. Following are some factors that should consider when deciding on a car insurance plan in Houston Texas.
It should meet the minimum requirements set by the state you live in. In Texas the minimum requirement for car insurance policy plan is 25/50/25. The first two numbers refer to required minimum bodily injury liability limits, and the third number refers to required minimum property damage coverage. You should get a car insurance policy that has a minimum coverage of $25,000 per person injured in any one accident and $50,000 for all persons injured in any one accident, and $25,000 for injury to or damage of property of others in any one accident.
Basic car insurance is composed of:
Bodily Injury Liability – this refers to the coverage that pays for damage you have done to others.
Property Damage Liability – this refers to the coverage that pays for damage on properties caused by you.
The above 2 are required by all states though required coverage amount varies from one state to another.
Personal Injury Protection – this covers the policyholder’s medical expenses and lost wages, including the passengers injured in the event of accident. Some 16 states required this coverage.
Collision – this pays to repair your vehicle in any kind of accident.
Comprehensive – this covers you in the event natural disaster or theft.
Uninsured/Underinsured Motorist Coverage – this will cover you when you would be hit by uninsured or underinsured motorist.
The ideal Houston car insurance policy should have all different type of coverage mentioned above. So a best car insurance quote should be able to include all those mentioned above at an affordable rate.
But if it comes too expensive to you, you can just get an insurance policy that meets your states minimum required coverage. Now, your factor for a best car insurance quote is something that can provide you with the minimum state requirement at a minimal cost.
Feb 13
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.
Sep 17
How do I read my insurance policy?
Fran
Spring, TX.
Fran,
Wherever you live in the
State Liability required? Liability minimums (in thousands of dollars) PIP required? No-fault state? Uninsured motorist coverage required?
Alaska Yes, 50/100/25 No No No
Arizona Yes, 15/30/10 No No No
Arkansas Yes, 25/50/25 Yes No No
California (1) Yes, 15/30/5 No No No
Colorado Yes, 25/50/15 No No No
Connecticut Yes, 20/40/10 No No Yes
Delaware Yes, 15/30/10 Yes No No
Florida (2) No, 10/20/10 Yes Yes No
Georgia Yes, 25/50/25 No No No
Hawaii Yes, 20/40/10 Yes Yes No
Idaho Yes, 25/50/15 No No No
Illinois Yes, 20/40/15 No No Yes
Indiana Yes, 25/50/10 No No No
Iowa Yes, 20/40/15 No No No
Mississippi Yes, 25/50/25 No No No
Missouri Yes, 25/50/10 No No Yes
Montana Yes, 25/50/10 No No No
Nebraska Yes, 25/50/25 No No No
Nevada Yes, 15/30/10 No No No
New Hampshire No, 25/50/25 No No Yes
New Mexico Yes, 25/50/10 No No No
Ohio Yes, 12.5/25/7.5 No No No
Oklahoma Yes, 25/50/25 No No No
Tennessee (2) Yes, 25/50/10 No No No
Texas Yes, 25/50/25 No No No
Utah (2) Yes, 25/50/15 Yes Yes No
Vermont Yes, 25/50/10 No No Yes
Virginia Yes, 25/50/20 Yes No Yes
Washington Yes, 25/50/10 No No No
Washington D.C. Yes, 25/50/10 No No Yes
West Virginia Yes, 20/40/10 No No Yes
Wisconsin No, 25/50/10 No No Yes
Wyoming Yes, 25/50/20 No No No
Hope this help you with your answer.
Great Question.