What Does “Full Coverage” Mean?
While there is no official definition of “full coverage” (it’s not a legal term), in the insurance industry full coverage is generally assumed to cover the following:
This is the insurance that pays for the other party’s bills in the event you are at fault in the accident. We’ll talk more about liability insurance below, but just know that any damage you do to any person or property in the accident comes out of your liability insurance, and if your coverage is low you might end up paying out of pocket. Full coverage is generally considered to have generous liability coverage so you’re never stuck paying someone else’s medical bills.
Collision coverage covers the damage that is sustained to your vehicle during the accident. If your car is in a fender bender, the collision coverage will pay to fix it. If your car is totalled, the collision coverage will pay to replace it. Having collision coverage is a very wise idea because you don’t want to be in a car accident and have your car totalled and then be left not only continuing to make payments on your totalled car but also needing to find new transportation. This is why it’s considered part of full coverage.
Comprehensive coverage covers things that happen outside of a collision. This includes damage by theft or vandalism, as well as the effects of nature. If you’ve ever had a car dented by a pelting hail storm, or a branch has fallen from a tree and broken your windshield, then this is what comprehensive coverage is for.
Medical Payments and Personal Injury Protection:
These levels of coverage at the level the state requires. In Spring, Texas, personal injury protection is included as standard by state law, and if you don’t want it you must make a request to the insurance company in writing. Medical payment coverage, on the other hand, is something that you will want because it covers you in the event you have been injured. While not required, you don’t want to pay these bills out of pocket.
Uninsured/Underinsured Motorist Coverage:
This insurance will cover you if you’re hit by someone who doesn’t have insurance, as the name suggests. It also covers you if their liability coverage doesn’t entirely cover the cost to repair your car, and it covers you in the case of a hit-and-run. In Spring, Texas, uninsured/underinsured motorist coverage must be offered by the insurance company and if you don’t want it you must tell the company in writing.
Towing and Labor Coverage:
This covers you if your car has to be towed. It can also be used to pay for labor if you need a tire changed or a battery jump-started.
Rental Reimbursement Coverage:
In the event that your car is undriveable (either totalled or simply at the mechanic’s shop) then this coverage will provide a rental car for you. This can also apply if your car has been stolen.
What Insurance Are You Required to Have in Spring, Texas?
Liability insurance is absolutely required in Spring, Texas, per state law. Liability insurance is what pays to repair the other car in the event you are at fault in an accident. It also pays their medical bills and some other expenses. According to Texas state law, you have to have liability insurance that covers at least $30,000 for injuries per person, up to a total of $60,000 per accident, and it must cover $25,000 in property damage. (This is referred to as 30/60/25 coverage.)
However you will want to think long and hard about how much liability insurance you really want, because your liability limits may be too low if the other person was injured severely, there was a multi-car accident, or the other vehicle was totaled. In these cases, anything not covered by your liability insurance has to come out of your own pocket. You don’t want to be saddled paying someone else’s bills at the same time you’re dealing with your own medical bills and car payments.