Go For More Than Required Corpus Christi Car Insurance

The minimum amount of Corpus Christi car insurance required may not be enough to protect you.

Believing that a car accident will never happen to you is not a reason to only carry the minimum Corpus Christi car insurance.

Many drivers on the road go with just the minimum amount of Corpus Christi car insurance that is required by Texas law. They may do this because they don’t like being forced to purchase car insurance by the government, but most do it because they are trying to pay as little as possible for car insurance and still be able to drive.

Unfortunately, the minimum required coverage for Corpus Christi car insurance is more for the protection of the person you hit. It does nothing for your own vehicle damages and injuries.

What Are the Minimums for Corpus Christi Car Insurance?

The minimum amount of car insurance that the State of Texas requires for Corpus Christi car insurance is 30/60/25. Broken down this means:

• 30 = $30,000 is the minimum amount coverage that you have to carry to pay for the medical expenses for one person in an accident that you cause.
• 60 = $60,000 is the minimum amount of coverage that you have to carry to pay for the all of medical expenses per accident.
• 25 = $25,000 is the minimum amount of coverage that has to be carried to pay for the damage you cause to property that you do not own.

What Should I Carry?

The required Corpus Christi car insurance is all liability coverage, so it only pays for the expenses and damage that you cause to another person. To protect your own vehicle, you need to carry collision and comprehensive coverage. There is no limit on these two coverages as you are paying for all of your damages to be taken care of. You will have to choose a deductible for your coverage though, which is the amount of money that you will have to pay first before the insurance company will pay for any of the damage.

For your Corpus Christi car insurance company to pay for any of your medical expenses from an accident you have to add personal injury protection coverage or medical payments coverage. These two coverages will spare you from having to pay for these types of expenses out of your own pocket.

Why in the World Do I Need That Much Extra Corpus Christi Car Insurance?

If you go with just the required Corpus Christi car insurance you will end up having to pay for the damages to your car and your medical expenses out of your own pocket. And if you don’t think a car accident will ever happen to you, just take a look at these Corpus Christi car accident statistics from 2012:

• 7.758 total accidents that year alone
• Someone died in 26 of these 7,758 car accidents
• 2,527 car accidents resulted in an injury
• 27 people died in a car accident in 2012

(Statistics from the Texas Department of Transportation)

So if you don’t think that a car accident will happen to you, I bet that the drivers of most of those 7, 758 car accidents thought the same thing. Don’t let a car accident ruin you financially because you only wanted to carry the minimum required insurance coverage. Make sure that your Corpus Christi car insurance policy has enough coverage to protect not only the person you accidentally hit, but you as well.