WHY FULL COVERAGE INSURANCE IN DALLAS IS IMPORTANT
Full coverage insurance in Dallas can be expensive, but also extremely important to have in case you ever have an accident. There are so many uninsured motorists and lots of traffic accidents. Dallas is the 3rd most populated area in Texas and heavy traffic can cause more claims. Purchasing full coverage insurance can protect your car and save you lots of money in the case of an accident. Although the monthly premiums are much higher compared to liability auto insurance the coverage options are more vast.
For example, if you are carrying Liability only auto insurance in Dallas and an accident occurs you do not have the option to have rental car coverage on this policy and most insurance company will not offer Roadside Assistance either. One insurance company who does offer Liability only auto insurance with Roadside Assistance is Save Money Car Insurance. You can visit their website and get a free quote from this link https://savemoney.live.ptsinsured.com/default.cfm
Purchasing full coverage insurance allows you to carry Rental Car Reimbursement Coverage on your auto insurance policy. Whereas if you if have liability auto insurance there is not an option to add rental car coverage on to your policy. The reason this coverage is important is because if you only have one car and you are involved in an accident you are forced to pay for a rental car out of your pocket for the time your automobile is inoperable. This price can add up very quickly. Most auto insurance companies in Dallas offer rental car reimbursement coverage for $40 per day but not to exceed $1200 for the entire accident. So, as you can see the costs add up quickly.
ALTERNATIVE OPTION TO FULL COVERAGE INSURANCE
If you do not want to purchase full coverage insurance and prefer carrying liability auto insurance but still want to protect your car from an uninsured motorist hitting your vehicle there is a coverage many auto insurance companies can off you called Uninsured Motorist Property Damage Coverage. This will increase the premium some and will not allow roadside coverage with most insurance companies but does give you peace of mind that in case an uninsured motorist hits your car it will be fixed. This is a more popular coverage in Metropolitan areas like Dallas because there are many uninsured motorists on the road.