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Unread 03-17-2011, 01:07 AM   #1
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Default Is it really necessary to carry a collision coverage on your car insurance in TX?

Is it really necessary to carry a collision coverage on your car insurance policy in Texas? My agent is keen I buy collision and comprehensive both. I'm ok with comprehensive, but what do I need collision for? If I get into an accident where another person is at fault, their insurance will pay me right? I have a clean driving record after being on the road for more than 25 years, I don't see myself getting careless behind the wheel now. What coverage do you all carry?

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Unread 03-17-2011, 01:21 AM   #2
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Collision is the part that covers liability. Comprehensive is the part that pays for stuff. I didn't get comp coverage on my Ford because it's worth so little they wouldn't sell it to me without charging me 500/mo. Which, coincidentally, is the value of the vehicle.

I imagine if Texas has compulsory insurance laws collision is the required part just as it is here in Tennessee.

My general rule of thumb regarding comprehensive is: Worth more than 5K? Yes? Get it. No? Don't bother.
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Unread 03-17-2011, 09:02 AM   #3
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What kenny said. I have liability on my Blazer because it's only worth $2500. However, on the Silverado i plow, so i have to have a million dollar policy
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Unread 03-17-2011, 05:32 PM   #4
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Originally Posted by wierdo124 View Post
What kenny said. I have liability on my Blazer because it's only worth $2500. However, on the Silverado i plow, so i have to have a million dollar policy
My Mustang is full coverage, everything else isnt...
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Unread 03-17-2011, 11:17 PM   #5
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GTO has full coverage, Jeep has liability. Agreed with Kenny on this one.
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Unread 03-19-2011, 01:25 AM   #6
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Thatís what I thought; I see no point buying a collision coverage for an 8 years old car. Comprehensive, Iíll keep for another few years

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Unread 03-20-2011, 03:11 PM   #7
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Quote:
Originally Posted by brad.simpson View Post
Thatís what I thought; I see no point buying a collision coverage for an 8 years old car. Comprehensive, Iíll keep for another few years
i think you missed the point. Collision = liabilty which is required in almost every state, pays for damage you inflict on other peoples cars. Comprehensive pays for damage done to your car, in acts of god or if an accident is your fault.
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Unread 03-22-2011, 08:33 AM   #8
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I just bought liability on my 13 year old Nissan. Full coverage won't pay for enough to buy a new car (saving up as is for wife to have a car).
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