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Auto insurance serves as financial protection in case of damage or injuries resulting from a car accident. It encompasses various types of coverage, including:

• Liability Coverage: This pays for injuries or property damage you cause to others. It typically includes Bodily Injury (BI) and Property Damage (PD) coverage. BI covers medical expenses for injured parties, while PD covers the repair or replacement of their property. In Texas, drivers must have at least “30/60/25” coverage, meaning $30,000 for each person injured, up to $60,000 per accident for bodily injuries, and up to $25,000 for property damage per accident.

• Physical Damage Coverage: This covers damage to your own vehicle. It includes Collision coverage, which pays for damage regardless of fault, and Comprehensive coverage, which covers non-collision incidents like theft, fire, or natural disasters. If your car is totaled, the insurance company will pay its actual cash value after deducting a deductible amount.

• Uninsured/Underinsured Motorists (UM/UIM) Coverage: This protects you if you’re involved in an accident with a driver who lacks insurance or has insufficient coverage. It includes coverage for bodily injury and property damage caused by uninsured or underinsured drivers.

• Personal Injury Protection (PIP): PIP covers medical expenses, funeral costs, and lost income regardless of fault. It provides financial support for you, your family, and passengers in your vehicle.

• Medical Payments (Med Pay): This coverage pays for medical or funeral expenses for you and your passengers, regardless of fault, if you’re injured while in your car or as a pedestrian.

These coverages offer varying levels of protection and are essential for ensuring you’re adequately prepared for the financial repercussions of a car accident. Remember, you have the option to accept or reject certain coverages, but it’s crucial to make informed decisions and understand the potential consequences.