Why Lubbock Car Insurance Is Just as Important as Gas

Gas keeps your car running and so does Lubbock car insurance.

Getting into a car accident without Lubbock car insurance is kind of like being financially run over by one of these.

Imagine a life without Lubbock car insurance. You would have fewer bills to pay each month, you wouldn’t get upset every 6 months when your Lubbock car insurance rates increased, and you wouldn’t have to keep track of that small card proving that you have car insurance.

Life would be good, right?

Well, at least until you got into a car accident.

So What, So I Got In a Car Accident

Have you ever really sat down and thought about what happens financially when you get in a car accident?

If you are in a car accident alone there is no one else to pay for the damages to your car. You are responsible for paying for all the car repairs, tow charges, and rental car fees. If things go really bad and you total your car, you now have to come up with the money to get a new car.

Still owed money on the car you just wrecked? Congratulations, now you have two car payments.

Now, take all that trouble from above and times it by two or more if you cause a wreck that involves other people. But, this time you get to add in medical bills and attorney fees.

Most of the above issues would be paid for by your Lubbock car insurance policy (depending on your coverage). So just like life is easier when you don’t let your run out of gas, life is much simpler when you have a Lubbock car insurance company taking care of all the problems that come with a car accident.

Other Legal Issues

Aside from protecting you from financial ruin, the State of Texas requires that Lubbock car insurance is to be carried by all drivers in the state.

Lubbock drivers are required to carry $30,000 in bodily injury liability coverage for each injured person (up to a total of $60,000 per accident), and $25,000 for property damage liability coverage per accident.

If you don’t have above at least the above coverage, you can add possibly losing your driving privileges and fines to your other accident related costs.

When you are purchasing Lubbock car insurance, keep in mind that these requirement are more for protecting other drivers from you, rather than protecting your property. So it is important that you talk to your Lubbock car insurance agent about how much coverage you need to be fully protected in the event of an accident.