Everyone understands that shopping for Texas car insurance is quite a big task. After paying for your automobile, fuel, and maintenance, purchasing Texas car insurance is one of the most expensive aspects. Some people have wondered if purchasing coverage is worth the price. However, a simple review of traffic statistics in Texas shows why having Texas car insurance is so important.
Accident Trends in Texas
Every year, the Texas Department of Transportation compiles a list that details all of the traffic information for the state. This information includes all of the accidents on Texas highways and Texas roads. According to the report created for the 2013 calendar year, one automobile accident took place every 71 seconds. One individual was injured approximately every two minutes and 16 seconds from those accidents. Every two hours and 36 minutes, automobile accidents result in fatalities. These statistics alone underscore the benefit of having Texas car insurance.
You may think to yourself, I do not drive in the city and I avoid the highways. In addition, I’m a safe driver, so maybe I don’t need coverage. However, something surprising to most drivers is that in 2021, more than half of traffic fatalities took place, not in the cities or highways. Furthermore, they occurred in rural areas of Texas. Therefore, individuals driving on minor roads and in the regions that a person would think would be less likely to have automobile accidents are at greater risk than people operating in the city.
What about Motorcycles?
Motorcycle owners also need to be concerned about purchasing coverage. The statistics show that during the 2013 calendar year, there were almost 500 fatal accidents that involved motorcycles.
Some argue, but I’m a safe driver, so why do I need to purchase Texas car insurance? Even if you are a safe driver, this does not mean that those around you will drive safely. The statistics clearly show that in 2021, thousands of crashes on Texas roads were caused by drivers driving while under drugs or alcohol. Along with drivers who are driving distracted. They were driving while distracted, including many teenagers driving while texting, talking on their phones, or playing with their radio. Purchasing the coverage you need protects safe drivers who need to go on the same road as others who are not so safe.
Is Purchasing Texas Car Insurance Cost-Effective?
Many people make the argument that purchasing TX car insurance is a scam. They say they pay every month for something that they never use. People who present this argument fail to understand that if they are fortunate, auto insurance in Texas is something that they will never need to use. However, if they find themselves in the unfortunate situation of being in an accident, the benefits of having coverage in Texas are tremendous.
The National Highway Transportation Safety Administration provides annual statistics on the cost of auto crashes. There is more than the emotional toll that an automobile accident takes on an individual. In addition, there is also the financial cost of an accident. According to the NHTSA, from 2007 to 2012, expenses that include medical care lost wages, and out-of-pocket expenditures resulting from an automobile accident increased by 8 percent. On average, an automobile accident in 2013 resulted in a liability claim for $3,231. In addition, the bodily injury was more than $15,000.
One Accident Will Pay For Years Of Texas Auto Insurance
The statistics shed light on the benefits of considering using auto insurance in Texas. While it is true that a person may go years without needing to use insurance, just one automobile accident can lead to expenditures that far outweigh the amount of money they are paying out in insurance premiums.
However, some argue that if the driver saves the money they would pay to their insurance company every month when an accident arises, they would have the money to cover the expense. And while in a perfect world, that would be true, most people lack the willpower to set aside money every month for a what-if scenario. Additionally, a person would have to save money for years and not have an automobile accident to save enough to cover damages and personal injury that arise from an accident.
The Benefits of Car Insurance in TX
One of the first things to remember about Texas is that it is an “at-fault state.” According to Texas law, the driver who is at fault is the one who pays for the accident. Additionally, Texas requires drivers to have minimal automobile insurance. So the first benefit that a person gets by purchasing auto insurance in Texas is that they can drive in harmony with the law. If the police pull someone over without automobile insurance, they may face fines. Along with losing their license, and in some cases, they may even face jail time.
The primary benefit of having coverage is providing an economic safety net for a driver. In our society, many people are living paycheck to paycheck. They do not have a back pile of cash set aside just in an emergency. As mentioned in the previous section, automobile accidents are expensive. They can easily cost tens of thousands of dollars. Even minor accidents that do not result in injury can run into thousands of dollars. For this reason, many individuals have decided that it is better to pay the monthly insurance fee instead of finding themselves in an accident and losing everything they have.
A second benefit of having Texas car insurance is providing you with a legal professional. They can examine your accident’s circumstances, determine who is at fault, and develop a fair and equitable resolution to the claim. However, again, this is something that does not happen without third-party intervention.
Which Insurance Company Should You Choose?
The television, radio, newspapers, and the Internet are full of advertisements encouraging people to purchase from one insurance company. However, to make the best choice, you will need to scrutinize your situation. Therefore, it is good to sit down and talk with an insurance agent. Let them present you with the different auto insurance in Texas options that they have available.
While it is tempting to go with the lowest-priced option, you get what you pay for in the end. The only thing worse than having no insurance is not having enough coverage. In the search for automobile insurance, you must do your research. Try to understand what each insurance company offers clearly and what they will require from you regarding deductibles and other considerations.
In Texas, having car insurance is the law, not an option. In addition, automobile insurance provides a financial safety net. Moreover, it gives peace of mind. Finally, it provides you with a third party to help you review your accident and make sure that damages are covered equitably.