Ready for the Road–A Few Tips Before Summer Travel Season

This is probably the perfect time to schedule your road trip, but before you hit the road it might be worthwhile to check your auto insurance. We don’t mean to be a downer, but the basic fact is, it not only necessary for everyone who drives a car, but also could mean the difference in a financial catastrophe if you don’t have proper coverage. Here are a few topics to consider before you go on that much-awaited road trip. 

  1. Liability gets you the basics. 

Liability coverage is required for all vehicles and comes into play if you are in a car accident and you are determined to be at fault. Liability coverage will help you pay for the cost of the other drivers’ damages, whether to property or people.  

2. Eliminate risk with collision and comprehensive coverage. 

Collision takes the “what if” out of the equation when you are at fault and your vehicle is damaged. What if you only have liability and you cause an accident? You are responsible for paying for the damages to your vehicle by yourself. This can add up to a very large amount of money depending on the damage. The average cost of damage to a vehicle in Texas is over $4,000, so if you don’t have collision, be prepared to pay out of your savings. Comprehensive covers you from damages caused by storms, vandalism, and passive objects like a tree or post in a parking garage. Both coverages are important and are relatively inexpensive compared to the costs involved to repair your vehicle. If you live in an area that often experiences accidents caused by nature, comprehensive coverage is a sure win. 

3. Medical is included. 

The Medical Payments option covers medical bills you might incur should you find yourself in a covered accident. On top of the trouble of sorting out the accidents, it is one less thing to worry about on the part of the driver. No one wants to pay bills on top of bills, on top of bills and this inclusion helps with that. 

You might be interested in other auto insurance inclusions and how they can save you money. To learn more visit jonderrick.com/services/auto-insurance or give us a call at 817-423-0048 for a quick check to make sure you and your loved ones are properly covered with the right auto insurance.