Auto Insurance FAQs in Dallas, TX

Most states require minimum levels of liability coverage. These minimums may help cover costs if you are at fault in an accident. However, you may choose higher limits or add extra coverage for broader support. Other options, such as collision coverage, are typically optional.

You may consider the following in addition to liability coverage:

• Collision coverage can help pay for damage to your car after an accident.
• Comprehensive coverage may provide coverage against noncollision events like theft, vandalism or weather damage.
• Uninsured/underinsured motorist coverage may assist if you’re hit by a driver without enough insurance.
• Personal injury protection (PIP) may cover medical expenses for you and your passengers, regardless of fault.

You may need to provide proof of auto insurance when registering or renewing a vehicle, depending on local regulations.

Insurance companies may consider several factors that can affect the cost of your policy, including:

• Your driving record
• Vehicle type and usage
• Where you live
• Coverage and deductibles you choose

Yes, you can customize your auto insurance policy. Insurance providers can offer options such as:

• Adjusting coverage types and limits
• Selecting deductibles
• Adding features like roadside assistance or rental car reimbursement

Customizing your policy can help you get the coverage and value you want.