Texas Car Insurance Umbrella Policies
What type of coverages do you have on your Texas Car Insurance policy? Are you fully covered, or just the state minimum to be legal? No matter what approach you choose to take it is your choice. Think about some of the natural disasters we have all witnessed over the passed few years, either in person or on the television; hurricanes, tornadoes, flooding, earthquakes, and fires. If your vehicle was involved in one of these disasters was it covered by your Texas Car Insurance policy if you had the minimum amount of coverage? Odds are slim to none. Let’s say for example you have the state’s minimum for liablilty insurance, and you have an accident that was determined to be your fault. Your bodily injury limits are $100,000 and the person who you injured needed medical transportation by helicopter, emergency brain surgery, 2 weeks in the critical car unit, 3 weeks in a general recovery room, 6 months physical thereapy, and then was out of work for 12 months. Do you think your $100,000 would go very far to pay for all of this? Not likely. Talk with your Texas Car Insurance agent to see about purchasing an umbrella policy. Most umbrella policies cover up to $1,000,000. So if the accident was your fault and all these damages occured to this person, your Texas Car Insurance policy would pay the first $100,000 then your umbrella policy would cover the rest up to your one million dollrs, including court costs and attorney fees, which you may need. So if you would like more information please speak to your Texas Car Insurance agaent today. What are you waiting for?