The state of Texas requires drivers to have classic car insurance just as they require automobile insurance. However, if you don't drive your classic car on a daily basis, you may want a limit on the mileage in your policy.
In Brownwood, TX, the minimum amounts of insurance for a car are $30,000 for bodily injury coverage per person, $60,000 for bodily injury coverage per accident, and $25,000 in property damage per accident. This basic coverage is known as 30/60/25 or liability coverage in Texas.
The liability portion of your classic car insurance through Robnett Integra Insurance Services will pay for medical costs, compensation for pain and suffering, and lost wages as well as funeral costs for the other party involved in an accident with you. It also covers the costs to either repair their car or replaces it in the case that it is a total loss. Your liability coverage also includes a rental car for the other party while their vehicle is being repaired. Liability pays for your attorney fees if you are being sued for an amount above your coverage limits.
You can add several types of coverage in addition to the state minimums. Collision coverage is usually desired for classic car insurance because it covers damages to your car in the event of an accident. Comprehensive coverage can pay you when your vehicle is stolen or damaged by any events other than an accident such as fire, hail, or fallen objects. Medical payments coverage will cover you and your family members including passengers in your car for medical costs due to an injury. Uninsured and underinsured coverage will pay you if the other driver in the accident was at fault and had no insurance or not enough insurance to cover your losses.
At Robnett Integra Insurance Services in Brownwood, TX, we realize that securing the correct type of insurance policies can be trying. You can visit our office to speak face to face with one of our agents or call us for more information. We are ready to help you get a quote.