Answering Questions About Insurance Policies In The Woodlands TX

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There are many kinds of insurance available for car owners and each one has a different type of coverage. If you’re looking for Car Insurance In The Woodlands TX, these questions below can help you choose which policy is right for you.

Q. My car is old and I don’t drive very much, do I still need insurance?

A. According to state law, every driver must carry liability insurance on their vehicle. If you are at fault in an accident, liability covers the damage to the other party’s vehicle and any injuries to their person. Not only is it mandatory, but liability is a safeguard for you so that you don’t have to pay for the other person’s damages out of your own pocket.

Q. What if I hit a deer on the road, will my insurance pay for it?

A. If you hit an animal on the road and tear up your car, comprehensive insurance will pay for the repairs to your vehicle. You’ll always have to pay a deductible with this type of insurance and the higher your deductible, the lower your insurance premium will be each month. A deductible is the amount that you pay for repairs before the insurance kicks in and picks up the rest of the cost.

Q. I’m worried that my car may be stolen. What kind of insurance do I need?

A. Comprehensive insurance also covers theft, so if you’re concerned about your vehicle being stolen, then you should purchase this type of policy. Comprehensive covers any type of damage to your vehicle except collisions or a rollover. This also includes damage caused by fire, wind, hail or a flood.

Q. What type of insurance covers the cost to repair my vehicle if I’m in an accident and it’s not my fault?

 A. Whether you’re at fault or not, if you purchase Insurance Policies In The Woodlands TX, you’ll be covered if you collide with another automobile, any type of stationary object or if you have a rollover. If you’re in an accident and your car is totaled, your insurance will only cover what the cost of your car is now, not what you paid for it new

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