If you’re considering purchasing just the state minimum insurance, think again because you will not have your vehicle fully protected. Thompson Insurance Services of Highland Village, TX wants you to understand that purchasing just the minimum coverage means you bought protection for the other people on the road only because of liability and property damage payout to the person you hit when you cause an accident.

Those two types of coverage ensure that you can pay for an accident you cause, but to protect your vehicle, you need collision, comprehensive, and uninsured motorist coverages. To protect your health and well-being, medical payment insurance protects you when you caused the accident whether your vehicle was the only one involved or it was a multiple vehicle accident. Other important coverages include roadside assistance and car rental insurance.

While collision and comprehensive pay for damages to your own vehicle regardless of the accident type, your uninsured motorist coverage only pays for damages when you incur damage from another vehicle, but the driver of it does not carry insurance or did not carry enough insurance to cover the damage. It takes the place of their property insurance or pays for what theirs does not in cases of uninsured motorists.

Roadside assistance probably sounds self-explanatory. It is. If your vehicle breaks down anywhere, you can phone the insurance company’s toll-free number and they will send a tow truck or service vehicle. Pair it with car rental insurance so you can get back on the road quickly while your vehicle receives repairs. Your car rental insurance pays for a rental vehicle for a short time. The typical coverage provides a car for about a week, but you can get policies that provide for longer terms.

Contact Thompson Insurance Services serving Highland Village, TX to learn about adding coverage to your auto insurance. We can help protect your auto investment.