While Driving, Have You Ever…
Consider three lawsuits recently filed in Texas regarding car accidents:
- A Harris County woman filed a lawsuit against an allegedly intoxicated driver. The plaintiff wants compensation for medical costs, suffering and impairment, lost earning capacity, property damages and mental anguish.
- A Galveston County plaintiff filed a lawsuit nearly two years after an accident. He claims past and future medical expenses, mental anguish and lost wages.
- Another Houston plaintiff who was a passenger in a car that was involved in an accident across from the Galleria Mall in Houston, sued the driver for past and future mental anguish and pain, impairment, lost wages and medical expenses.
The suits allege failure to:
- Keep a proper lookout
- Control speed
- Apply brakes in time
- Attempt to avoid a collision
- Yield the right-of-way
- Maintain a clear distance between vehicles
- Enter the intersection only when it was safe to do so
So, while driving, have you ever accidentally committed any of the above infractions? Have you ever accidentally committed one with a passenger in the car?
If the answer to either of those two questions is yes, think of the protection your Texas auto insurance provides, if you have the proper coverage.
Car Insurance Limits
Every state but three (New Hampshire, Wisconsin, Florida) has mandatory car insurance limits. Texan Insurance Agency has insured customers in Texas and Louisiana since 1984. We know the auto insurance limits:
- Texas Auto Insurance Liability: $30,000 for each injured person, up to a total of $60,000 per accident. Property Damage: $25,000 (note: this increased on January 1, 2011)
- Louisiana Auto Insurance Liability: $15,000 for each injured person, up to a total of $30,000 per accident. Property Damage: $25,000
We also know that the recommended liability amounts by the non-profit Insurance Information Institute are $100,000 for each injured person and $300,000 per accident.
Auto Insurance Liability Coverages
When you see lawsuits related to auto insurance liability filed two years after an accident, by a passenger, or as a result of an injury or an inadvertent mistake, it makes you think. Is the risk of a catastrophic lawsuit worth it?
Consider purchasing limits for auto insurance liability for as high as you can afford. The minimums aren’t much. If you get sued you’re responsible for the damage amounts higher than the policy limits.
Bodily Injury Liability pays the expenses (like those mentioned in those lawsuits) of individuals injured in an accident you’re deemed responsible for.
Property Damage Liability pays for the damage your auto causes to other cars and other objects you strike in an accident.
Texas Car Insurance & Louisiana Car Insurance
Obtain a Houston auto quote on this page from Texan Insurance. We are Texas based. Our seasoned professional agents will help protect you against an automobile disaster with the proper coverage for your situation.