Collision Coverage in Texas: What Every Driver Should Know
If you’re exploring your options for car insurance in Texas, understanding collision coverage in Texas is key. Accidents can happen at any time—whether it’s a fender bender in a parking lot or a major crash on the freeway. Collision coverage helps you repair or replace your car, regardless of who’s at fault.
At Paga-Menos Insurance, we make sure Texas drivers get the protection they need. Keep reading to find out if a collision policy is right for you.
What Is Collision Coverage?
Collision coverage is a type of accident coverage that helps pay for repairs or the replacement of your vehicle if it’s damaged in a crash.
What situations does it cover?
Collision coverage typically applies in situations where your vehicle is directly involved in an accident. This includes scenarios such as hitting another vehicle, colliding with a stationary object like a tree or pole, or if your car flips or rolls over. It can also protect if the other driver is uninsured or underinsured, helping cover repair or replacement costs regardless of who is at fault.
It’s important to note that collision policies don’t cover damage from weather, theft, or vandalism—those are part of comprehensive insurance.
Is Collision Coverage Required in Texas?
Collision coverage in Texas is not legally required, but it’s strongly recommended, especially if:
- You have a car loan or lease
- Your car is newer or has a high market value
- You drive frequently or long distances
Many lenders will require this coverage until the loan is paid off. This policy can prevent costly out-of-pocket repairs even if you own your vehicle.
Want to see if it fits your needs? Visit our car insurance options page to explore.
Benefits of Adding Collision Coverage
Here’s why drivers across Texas choose to add a collision policy to their car insurance in Texas:
- Financial protection: Avoid paying thousands in repairs
- Peace of mind: You’re covered no matter who caused the accident
- Fast repairs: Insurance providers often process claims quickly
- Flexibility: Choose your deductible and coverage limits
A smart investment today could save you major expenses tomorrow.
How Much Does Collision Coverage Cost?
Costs for auto insurance can vary depending on several key factors. These include your car’s make, model, and year, as newer or high-end vehicles often cost more to insure.
Your driving history and any past claims also influence your rate, as a clean record usually leads to lower premiums. The deductible you choose plays a role too—higher deductibles often mean lower monthly costs. Additionally, your location within Texas can impact pricing due to differences in traffic, crime rates, and weather-related risks.
On average, drivers can expect to pay an extra per/month, but the exact number depends on your specific situation. Call us at (832) 804-9286 for a free personalized quote.
FAQs About Collision Coverage in Texas
Does collision insurance cover hit-and-runs?
Yes, if you file a police report and submit your claim correctly.
What’s the difference between liability and collision?
Liability covers damage you cause to others. Collision covers your own car’s damage in an accident.
Can I drop collision coverage anytime?
Yes, but it’s best to do so only when your car’s value drops significantly.
Get Protected with the Right Coverage Today
Not sure if collision coverage in Texas is right for you? Let our experienced agents at Paga-Menos Insurance help. We’ll walk you through your options, compare prices, and help you build a car insurance Texas plan that works for you.
Call us now or request a quote today