car insurance frisco texas

Car Insurance Options in Frisco TX

Car insurance is something that’s very important to anyone who gets behind the wheel of a vehicle, yet is rarely thought of until it’s needed after an accident.  While each driver’s situation is different, there are various types of insurance that most drivers need, to make sure things go smoothly and the bills get paid in the event of an accident, natural disaster or other incident.  When drivers need answers to their car insurance questions, comparing policies of various Frisco car insurance agencies can prove very helpful.

Liability Insurance

Most drivers carry the same basic types of vehicle insurance, with the most common being liability insurance.  Virtually all states require drivers to carry a minimum amount of liability coverage, for it’s used to compensate the driver and any passengers in a vehicle who sustain injuries due to your negligence.  Liability insurance consists of two parts, which are:

  1. Bodily Injury
  2. Property Damage

Bodily injury pays for medical bills incurred by those injured(or worse),  in the other vehicle while property damage pays to replace or repair the other driver’s vehicle and any other items or structures damaged in the accident.

Physical Damage Insurance

Frisco car insurance agencies offer many types of physical damage insurance to help repair or replace damaged vehicles that are owned by the policyholder. The most common is collision coverage, which pays for damages to your own car sustained in an accident, such as hitting a telephone pole or another car.  There is also comprehensive coverage, which pays for losses from such things as vandalism, theft or acts of God.  The main thing to remember about physical damage insurance is it requires you to pay a deductible first before a benefit can be received.

Uninsured / Underinsured Motorist Insurance

Unfortunately, despite compulsory insurance laws, there are some drivers who do not carry insurance.  In fact, recent studies show that 20% of drivers on the road are uninsured at any given moment.  To protect yourself against this fact, most drivers understand the value of carrying uninsured motorist insurance.  This insurance will pay for the damage to your vehicle, as well as the medical expenses you sustain as a result of another driver’s negligence who is not insured at all, or who is under insured.

Gap Insurance

Since most people finance vehicles, they may owe more than the vehicle’s worth at the time of an accident or theft. This type of coverage is called gap insurance.  Frisco car insurance agencies provide various kinds of gap insurance, and this insurance has several benefits to drivers, such as:

-Preventing financial disaster

-Covers remaining amount of loan

While car insurance can seem very complicated at times, speaking with experienced agents and comparing various policies can simplify matters and bring peace-of-mind when things go horribly wrong in the blink of an eye. Get in with a car Frisco insurance specialist today and make sure you’re protected in the event of an accident.

At the Roger Welch Agency, we offer multiple auto insurance quotes through several companies.  For a free, fast quote, give us a call at 972-380-6677 or visit our website by clicking here.