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Auto Insurance Information
Auto insurance can help provide financial protection to help pay for damages after an accident. Texas drivers must maintain minimum auto liability insurance coverage to comply with state laws. Your agent may recommend additional coverage to help tailor your policy to meet your needs.
Contact The Valleys Insurance Brokers in Penitas, Texas, to learn about your auto insurance options.
How Many Auto Insurance Claims Is Too Many?
The number of auto insurance claims an insurer may consider “too many” varies depending on several factors. Filing multiple claims within a short period can raise concerns for insurance companies. Frequent claims can be perceived as a higher risk, potentially resulting in increased premiums or policy nonrenewal.
Insurance companies consider the severity of the claims and the policyholder’s driving history. Multiple minor claims, such as windshield damage or minor fender benders, may impact your policy less than multiple claims involving severe accidents or incidents resulting in significant property damage.
If you have a history of multiple claims, discussing the circumstances with your insurance agent can help you better understand how it may impact your coverage and premiums.
How Much Auto Insurance Do I Need?
Determining how much auto insurance you need depends on several factors, including the value of your assets, financial situation and risk tolerance.
It is often advisable to consider purchasing more than the state-mandated minimum liability coverage to protect yourself and your assets adequately. If you cause an accident that exceeds your coverage limits, you may be personally liable for the additional expenses.
In addition to liability coverage, it’s essential to consider other types of coverage, such as the following:
- Collision coverage may help pay for repairs or replacement of your vehicle in case of an accident with an object or vehicle.
- Comprehensive coverage may help cover damage to your vehicle caused by incidents other than collisions, such as theft, vandalism or natural disasters.
- Uninsured/underinsured motorist coverage may help protect you if you’re involved in an accident with a driver without insurance or who has insufficient coverage.
- Medical payments (MedPay) coverage may help cover accident-related medical expenses for you and your passengers, regardless of fault.
- Personal injury protection (PIP) coverage may help cover medical and other accident- and injury-related expenses for you and your passengers, regardless of who caused the accident.
How Far Back Do Auto Insurance Companies Look?
Auto insurance companies typically review your driving history for the past three to five years when determining your insurance rates and eligibility. They may consider factors such as traffic violations, accidents and claims during this period. While the specific timeframe may vary among insurance providers, recent driving history is generally considered more influential in determining your rates and coverage.
It’s important to note that even if an incident is no longer on your driving record, insurance companies may still consider it when determining your risk. Certain serious violations or accidents can have a lasting impact on your rates and eligibility.
Contact The Valleys Insurance Brokers today to compare auto insurance quotes.