At Planners Insurance Group serving Fort Worth, TX, we have many customers who come to us with a blown tire and want help. This situation can be frustrating for all parties and requires a careful understanding of your policy limitations and what they mean for your repairs. In this way, you can prepare for the worst if it ends up happening.
Will Your Policy Cover Blown Tires?
Let’s get the bad news out of the way first: there are very few situations in which your insurance will cover a blown tire. That’s because this problem is almost always caused by poor tire maintenance and neglect – an issue that insurance expressly does not cover.
The same is true if you run over a sharp object on the road or in your driveway. This act may be a complete accident but is still considered a type of negligence. The argument goes that you were not careful enough to avoid these items, hence your flat tire.
That said, auto insurance may help with things like roadside assistance in some cases. They may also help repair a blown tire due to manufacturing defects or failures. Talk to your insurance provider about this situation to learn more about your rights and what you can expect from them in this scenario.
Let Us Help You
If you are worried about flat tires and want to make sure that your vehicle is protected, don’t hesitate to contact us at Planners Insurance Group right away to learn more. We help Fort Worth, TX, residents get the auto insurance coverage that they need. And even if your policy doesn’t cover a blown tire, it may cover things like roadside assistance to some degree. So work with your agent to learn more.
Like most states, Texas has minimum auto insurance requirements for drivers. Texas drivers are required to carry liability auto insurance that meets the state coverage minimums. This insurance is a requirement to drive in the state of Texas legally.
What Does Liability Insurance Cover?
The Planners Insurance Group of Fort Worth, TX is committed to educating Texas drivers about the required state minimums. They are also committed to helping Texas drivers understand what their liability insurance covers. When you’re declared at fault, liability insurance compensates people that have been affected by an accident involving your vehicle. This insurance will pay for injury to another driver or passengers and the lost wages that may come from someone not being able to work due to injury. Liability insurance is also designed to cover any damage to the other driver’s vehicle.
What are the Texas State Minimums for Auto Insurance?
As a Texas driver, you are required to carry at least $30,000 of coverage for injuries per person. Texas liability insurance requirements also include a minimum requirement of $60,000 per accident and $25,000 for property damage. Keep in mind that these are the minimum requirements for Texas liability insurance. This means that you can purchase higher amounts of coverage if you feel it’s necessary. However, you must at least maintain the state minimums. You can’t legally drive in the state of Texas without this minimum coverage. Texas liability coverage is required to protect at-fault drivers.
Other Important Details…
In Texas, certain types of car insurance are specifically tied to the insured car. These coverages include bodily injury liability, personal injury liability, collision, and comprehensive auto insurance. Conversely, personal injury protection (PIP) coverage is tied to the driver in Texas. This differs from liability coverage in Texas. PIP will pay for your medical bills as well as your passengers. PIP also covers lost wages and non-medical costs. All Texas auto policies include PIP coverage. The Planners Insurance Group of Fort Worth, TX is committed to educating Texas drivers on the required state minimums for drivers and other forms of auto insurance. Please give us a call. We’re here to answer your questions.