Car Insurance in Fort Worth Texas

September 2, 2017 · Posted in General Articles on Car Insurance 
by Adam Lamm

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

Liability insurance is the only type of coverage that you must have if you want to stay legal. Keep in mind, however, that liability does not pay for any damages that have hurt you, but damage that have hurt others and for which you are responsible for.

If you reside in Fort Worth you have to have the following amount of liability coverage: $25,000 in bodily injury coverage for a single person in one accident, $50,000 in bodily injury coverage for everyone in an accident, and $25,000 worth of property damage liability protection.

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.

Liability is not that only type of insurance that you should consider, as there are many other options that you may need. These options include comprehensive coverage, collision coverage, Guaranteed Auto Protection (GAP), uninsured/underinsured, and PIP.

Comprehensive coverage covers you for damages done to your car from things such as collisions with wildlife and hail. Collision insurance covers the cost to repair your automobile even if you are guilty in an accident. Guaranteed Auto Protection covers you in the event that someone steals your automobile and there is a big difference between the money you receive from the insurance company and how much you still owe to the loan company. PIP is similar to normal health insurance. Uninsured/underinsured covers you if a guilty person does not have the liability coverage to pay you.

An excellent online site to have a look at before you start calling car insurance providers is the office online site of The Texas Department of Insurance. Once there, you’ll discover that there is a survey of local Fort Worth auto insurance providers 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 company to the next.

One of the best places to go to for auto insurance is by seeing your local independent agent, who has connections with many providers and may be able to get you the best rate.

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