Auto Insurance in Texas and California

There are a lot of drivers on the road in Texas and California. The chances are good that at some point, you may have an auto insurance claim. You want the peace of mind that comes with knowing you have the auto insurance coverage you need when that happens.

Get the Basics

Both states legally require drivers to have basic liability insurance, protecting them when they are at-fault drivers. The two types of liability coverage are:

  • Bodily injury liability: This coverage pays the costs associated with injuries or deaths in an accident you cause. It also offers the same protection for others listed on your policy when they have permission to drive your vehicle.
  • Property damage liability: When you or another driver named on your policy are at fault in a car accident, this coverage pays for the auto or other property damage for the other driver.

Each state establishes a minimum level of coverage for liability. Obtaining the basics ensures you meet your legal obligations. Still, it may not be enough to fully protect you from financial hardship if you are liable for an accident you’re involved in.

When you don’t have enough insurance to cover the costs you are liable for, you must pay for those damages yourself, putting you at risk of financial devastation. You may desire additional coverage to protect you from this possibility.

Get Coverage for You

Accidents don’t just injure or cause damage to other people. Make sure you have coverage for you and the occupants of your vehicle with:

  • Personal Injury Protection: PIP coverage pays for medical expenses and lost wages for you and your passengers when you are at fault and someone in your vehicle is injured.
  • Collision coverage: If your vehicle is damaged in an accident that you are held liable for, collision protection pays for the repairs to your car. It also covers you if you run into another object, such as a fence or a tree.
  • Uninsured motorist protection: While drivers are legally required to have auto insurance, some don’t. This coverage pays for your losses if you’re involved in an accident with a driver who isn’t covered and they are at fault.

Auto Insurance Texas

If you don’t have the right auto insurance in Texas, you pay all your expenses when you are liable for a car accident. Texas is an at-fault state, which means that if you are held responsible for the accident, the other driver’s insurance won’t pay for any of your medical bills or property damages.

Auto Insurance California

California is a comparative fault state. If you are found even partially responsible for a car accident, you and the other driver share the costs associated with the accident.

Get Comprehensive Protection

To fully protect your vehicle from the many mishaps that can occur, you need additional coverage. Comprehensive insurance protects you from damages and losses that aren’t associated with a car accident, such as theft, vandalism, fire, hail and flood damages.

Get Covered With Cerus Insurance

Cerus Insurance Services offers a complete range of auto insurance plans for Texas and California drivers. We work with you to ensure you have the right kind of coverage for you. Get in touch with us today and get covered.

Get a Quote Today!

Cerus Insurance Services is here to help you with your insurance needs in Texas and California