Anyone operating a vehicle in Texas is responsible for any damages they may cause. Most drivers have protection for events that may occur while they are driving. However, there are some situations auto insurance may not cover. You may also wonder if your rental insurance can help protect you when your auto insurance can’t help.

Car Insurance Is Limited

When you purchase an automobile insurance policy at Thompson Insurance Services, you may think you can save money by getting the minimum coverage required by law. In Texas, you need to be able to pay for any damages you cause in an accident with your vehicle. Unfortunately, a policy with only minimal coverage will not protect you from damages caused by you. Your policy will also not cover other incidents, such as vandalism or damage from weather. For those kinds of protection, you must have collision and comprehensive insurance. 

Rental Insurance Limitations

Even though your vehicle is on your property in Highland Village, TX, it will probably be excluded from rental or homeowners insurance. There are many standard exclusions for different kinds of insurance, such as automobiles and certain kinds of natural disasters. That is why it is essential to read your policy carefully and speak to your agent if you have any questions.

Personalize Your Policy

Don’t assume that you are protected. Speak with your Thompson Insurance Services agent today about what you own and what risks you face in Highland Village, TX. No two people have the same situation. You will be pleasantly surprised when you discover how affordable your policy can be when you only cover what you need.