What should I choose?
I’m considering changing my insurance provider and currently have collision and comprehensive insurance in Texas. Do I need to include uninsured motorist coverage if I already have collision? For instance, if I’m in an accident with an uninsured driver, wouldn’t my collision coverage take care of the damage to my car?
What’s should I get?
It’s great that you’re considering your options for insurance coverage! While collision insurance does cover damage to your vehicle in the event of an accident, it’s important to note that it does not cover injuries or damages caused by an uninsured motorist.
If you’re hit by an uninsured driver, collision coverage would only help pay for your own car’s repairs, but it won’t cover your medical expenses or any injuries you or your passengers might sustain. Uninsured motorist coverage is specifically designed to protect you in those scenarios, covering both medical expenses and any damages that aren’t covered by your collision insurance.
In Texas, while it’s not legally required to have uninsured motorist coverage, it can be very beneficial. If a significant accident were to occur, having this coverage can provide peace of mind and financial protection. It might be worthwhile to consider adding it to your policy.