Collision insurance will generally cover damage to your vehicle. This ensures that you’re not left without a vehicle if you’re in a bad wreck. Remember that your state liability insurance will not cover your vehicle; only damage to the other party’s vehicle and the medical expenses to the people involved in the wreck. If you want the greatest possible amount of protection, talk to your insurance company about comprehensive coverage.
At the very least, you’ll want to make sure that you have collision coverage that covers your own vehicle and your own medical expenses. If you’re involved in a wreck, consider contacting a Dallas car accident attorney. A good car accident lawyer can help you get compensated even if the other guy’s insurance company is not being cooperative or tries to deny your claim.
Remember that the state minimum insurance requirement is a law and you’re required to follow it. At the very least, it ensures that you don’t end up in a situation where you’ve caused a lot of property damage to someone else’s vehicle and where you possibly have caused bodily harm to other individuals and you don’t have any money to help them pay for the costs of either.