What other coverages should I consider?

You might also wish to add “Personal Injury Protection,” commonly called PIP. PIP will pay for your and your passengers medical expenses and will replace some lost wages if youre unable to work because of an accident. “Uninsured/Underinsured Motorist” (UM/UIM) coverage pays your expenses from an accident caused by a driver who doesn’t have insurance or doesnt have enough insurance to cover your bills, up to your policys dollar limits. You won’t need this type of insurance for a minor Texas speeding ticket. UM/UIM also pays for accidents caused by a hit-and-run driver if you report the accident promptly to the police.

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