Because of Houston's vast size and lack of mass transit options, driving a vehicle is a part of life for many Houstonians, whether it's commuting to work, home, school, or retail areas. In Harris County alone, there are nearly 3 million registered vehicles on Houston area roads, but unfortunately, not all of them meet state insurance requirements. Texas law requires all drivers to carry a minimum amount of auto liability insurance coverage, but according to the Texas Department of Motor Vehicles, nearly 25% of all Texas drivers are completely uninsured. Of those who are insured, many carry only the minimum liability auto coverage required, commonly known as 30/60/25 auto coverage. The end result is that Houston area drivers involved in auto accidents or collisions are not likely to have the auto insurance protection they need to help offset major auto repairs, medical expenses or other expenses.
Thankfully, Aegis can help drivers in the greater Houston area get the quality auto insurance coverage they need to have complete protection and get on the road to a quick recovery. When it comes to auto insurance, Houston area drivers must be proactive to protect themselves from all kinds of potential issues, such as being hit by an uninsured motorist, not having enough liability coverage to pay for damages when at fault, and getting financial help when medical expenses are higher than insurance payouts. This is the first part of an ongoing blog series focused on total insurance protection for Houston drivers and how Aegis helps keep them fully protected in all situations.
The first aspect to consider when it comes to auto insurance is getting protection from incidents involving uninsured drivers. Given the high percentage of uninsured drivers in Texas and within Harris County, Houston area drivers need to take precautions to protect themselves, their family and their vehicles from this large threat. When an uninsured motorist damages your car or causes bodily injury to your or your passengers, you end up being fully responsible for all repairs and medical costs since the other driver has no insurance of their own to pay for damages. However, Aegis offers Uninsured Motorist insurance to protect you from just such a situation, and also provides insurance help when you're the victim of a hit and run accident.
Another important factor to consider is that drivers who only carry the state required minimum liability coverage might not be able to fully cover the cost of car repairs, medical expenses or other costs. This means that drivers not at fault might still have to pay for their own medical bills, car repairs or other damages if the other driver's insurance coverage is not sufficient enough to cover these costs. Aegis offers Houston drivers protection through their Underinsured Motorist coverage, which provides financial help to offset property damage, auto repairs and medical costs that exceed insurance liability limits.
The focus of our next blog post will highlight the importance of having collision and comprehensive auto insurance coverage, especially in a large commuter city like Houston where dozens of car accidents occur each day. For more information on how Aegis can help get you the auto insurance protection you need from Uninsured Motorists and Underinsured Motorists, contact Aegis directly at 713-850-7622, by email at firstname.lastname@example.org or request a quote online now. Also be sure to ask how bundling your Auto Insurance with your Homeowners, Renters, Life Insurance or Business Insurance policies can offer you big savings on your annual premiums.