Auto Insurance in Fort Worth Texas

What are the minimum car insurance requirements for Fort Worth Texas?

The only insurance that you are required by law to have is liability insurance. Liability insurance does not pay for damages or injuries that have been incurred by you, but damages that have been incurred by others, and for which you are liable for.

In Fort Worth or Texas in general, you have to have at least $25,000 in bodily injury coverage for one person in an accident, $50,000 in bodily injury liability for everyone in one accident, and $25,000 worth of property damage liability.

Although you can get the minimum, you should strongly consider going above it. If you are found to be guilty in an accident and your liability coverage is not enough, you have a risk of being sued for your assets.

When shopping for auto insurance, you should also look at other insurance options. Different insurance types include Guaranteed Auto Protection (GAP), Personal Injury Protection (PIP), uninsured/underinsured, collision insurance, and comprehensive insurance.

GAP coverage pays the difference between how much your insurance company will give you and how much you still owe in financing dollars in the event that your auto is stolen. Collision coverage pays for damages done to your car and comprehensive pays for damages to you car from random things such as theft and wildlife accidents. Uninsured/underinsured motorist covers you if someones liability coverage is not enough to pay you.

An excellent site to have a look at before you start calling auto insurance providers is the office online site of The Texas Department of Insurance. Once there, you’ll see that there is a survey of local Fort Worth auto insurance services from each of the three Fort Worth counties (Denton, Tarrent, and Parker). The whole point of this survey is to make you want to shop around because quotes can vary wildly from one insurance company to the next.

One way to save time on shopping around is by going to an independent agent because he or she will be able to get quotations from as many as hundreds of car insurance companies.