Auto Insurance Add-Ons: Is Your Texas Car Insurance Accident Ready?

When someone has been in a car accident, a number of things go through their mind that causes instant stress and worry. Among them are the worries of car insurance rates hiking as a result of the accident, or not having enough coverage in the event of an accident. At Parker Preferred Insurance serving McKinney, TX, we don’t want you worrying about that when you are in a car accident. Here are some very affordable add-ons for your Texas car insurance policy that will ease some of those concerns.

Accident Forgiveness

Accident forgiveness or claim forgiveness is a common add-on for car insurance in Texas. If you have it, you don’t have to worry about your insurance rates increasing after an accident or claim. 

If you get into an accident, your insurance rating might go down and this will impact the cost of your car insurance in the future. Adding this to your policy "forgives" that in your insurance record for your first at-fault accident, so you won’t see your rates go up.

Minor Conviction Protection

This protection works very similarly to accident forgiveness but instead focuses on minor moving violations that will impact your insurance score. If you get a ticket for speeding, not signaling or turning properly, or have another problem on the road, you may be able to get minor conviction protection. 

This coverage will prevent your rates from going up after your first violation.

Loss of Use

In this add-on, you have coverage if your car is stolen or written off after an accident. You may also get coverage for rentals or additional transportation until your car is replaced or repaired.

Get a Quote

At Parker Preferred Insurance serving McKinney, TX, we want you to have the most coverage possible to protect you today, and tomorrow. Call us today for a quote for your Texas auto insurance needs.

Required Auto Insurance in Texas

Texas Insurance 

Auto insurance is a must for anyone who drives in Texas. This insurance offers a number of different types of protection in case of accidents. If you need auto insurance, call us at Parker Preferred Insurance in McKinney, TX. 

Financial Responsibility

The law in Texas states that you have to be able to demonstrate that you can pay for any accidents that you cause. The most common way to do this is to buy auto liability insurance for the vehicle. This type of auto insurance pays for damage done to someone else’s car or property that you damage. It also pays for the other party’s medical bills if you are found to be at fault for it. However, the mandatory minimums required are often too low to pay for serious accidents and injuries. That’s why many people get a policy for more liability coverage to protect their financial futures.

Recommended Insurance Types

There are several types of auto insurance that are not required in Texas but are still a must to keep yourself and your vehicle covered. Comprehensive coverage pays for mishaps and catastrophes that can damage your car and that are not vehicle accidents. Collision insurance is a type that will pay for repairing or replacing your own vehicle after it has been damaged in an accident. Medical payments coverage is a type that pays the medical bills of both you and your passengers after an accident. It also protects you if you are hurt while riding in another person’s car or when you are hurt when biking or walking.

Make Your Appointment

If you want your car covered, call us at Parker Preferred Insurance in McKinney, TX to make an appointment with an insurance agent. 

What Happens When Minimum Auto Insurance Isn’t Enough?

Let’s face facts: nobody likes having to pay for auto insurance.

As a result, so many people opt for the bare minimum coverage. But this can prove to be a serious, not to mention extremely costly mistake. At Parker Preferred Insurance, we’re here to help you get the insurance that fits your needs. In the meantime, keep reading to learn more about what can happen when your minimum auto insurance isn’t enough. 

If you’re a driver in McKinney, TX, you already know that our state roads are full of drivers both from Texas and visiting from other states. While Texas requires all drivers to meet certain minimums in personal injury and property damage, other states require even less. If you’re caught in an accident with an underinsured driver, you could end up footing the bill for damage to your car that you did not cause. If you cannot pay, then you may have to go without a vehicle for a while. 

The problems could be even more severe if you were deemed at fault in the accident. Not only will your bare minimum auto insurance policy not cover damage caused to your vehicle, but it might not even cover all of the damage to the other vehicle. Nevertheless, you will still be held responsible for the cost, and you could face further legal consequences by your inability to pay. In some cases, having this on your record can affect your ability to lease or rent a car in the future.  

Ready to move up from bare minimum auto insurance? Contact the pros at Parker Preferred Insurance today or come stop by our McKinney, TX offices. We’re ready to help you find an auto insurance policy that works for you and keep you covered in an accident. 

How much auto insurance do you need in Texas?

Texas may not be a “no-fault” state but that does not mean that drivers can enjoy the roads with no auto insurance. In fact, drivers in McKinney, TX and throughout the state are required to have, at a minimum, liability insurance that pays when they are involved in an accident in which they are at fault.

The agents at Parker Preferred Insurance can help find the auto insurance policy that best fits your lifestyle. Read on to learn about auto assurance limits in Texas.

How much auto insurance is required in Texas?

The state of Texas requires drivers to carry policies that offer a minimum of $30,000 for bodily injury and $25,000 for property damage. The punishment for driving without these liability limits includes everything from a citation to license suspension. You also open yourself up to lawsuits when you have an auto insurance policy that does not pay for all the damages that you cause in an accident.

How much auto insurance do you need in Texas?

It is possible to have an auto indemnity plan that satisfies the state minimum and still be on the hook for thousands in damages and bodily injury in McKinney, TX. You are not exempt from a lawsuit just because you fulfill the assurance requirements established by the government.

It is, therefore, always a good idea to consider full coverage when discussing auto insurance plans. A policy that offers total protection is one that pays for your vehicle when the driver who is at-fault lacks the means to do so. Uninsured motorist protection is separate coverage that you can attach to both a full coverage and liability plan.

Comprehensive and collision protection is also an option in the way of auto insurance. This coverage pays when your vehicle is stolen or catches fire. Liability insurance does not cover the vehicle outside of incidents that take place on the road. You, therefore, may be forced to pay for damages not related to a car accident out of your pocket.

Auto insurance can be a challenging world to navigate. Call the agents at Parker Preferred Insurance for further clarity and to get started with a quote!

Is There a Way to Keep Speeding Tickets From Impacting Auto Insurance?

If you have ever received a ticket before for speeding in McKinney, TX, then you likely already know how severe this type of violation can be on your insurance. And while many people pay their ticket and move on, it’s important that you know that you do have options when getting a speeding ticket removed from your driving record. If you don’t have it removed, there is a good chance that your auto insurance rate is going to go up. Here at the Parker Preferred Insurance, we want you to understand that you may have the option to go to traffic school to keep a ticket from showing up on your driving record.

In order to go to traffic school and keep a traffic violation from impacting your insurance, you must first go to court and see if you are eligible to have the ticket dismissed. If you can’t get it dismissed, then it’s up to the court to decide if you are approved or not to take a driving safety course. If you are, you may be able to complete the course online. 

It is important for you to understand that there are several factors that could possibly make you ineligible to go to traffic school and keep the ticket from showing up on your record. Such factors include:

  • Possessing a Texas commercial driver’s license
  • You have already had a ticket dismissed within the last 12 months
  • You won’t plead "no contest"
  • You plead "not guilty"
  • Your speeding ticket is for going 25 miles an hour over the speeding limit

If you would like to learn more about the benefits of going to traffic school, contact Parker Preferred Insurance serving the McKinney, TX area.