Auto Thefts on Rise in Texas; Consumers Urged to get Extra Insurance

Auto Thefts on Rise in Texas

auto thefts A recent police report has indicated that car thefts are on the rise in Texas; specifically Odessa, Texas. According to the Odessa Police Department, 280 car thefts have been reported since the beginning of 2012, a massive spike increase from previous years.

In many instances, the stolen cars are later found abandoned, and stripped of major parts such as the engine and transmission. Cosmetic damage is not usual. A concern for police, however, is the people who’ve had their car stolen do not have the correct coverage in insurance to be able to cover the damages done to their vehicle.

In Texas, the state-minimum requirement is liability insurance. Liability insurance, the bare minimum of all insurance coverage, only protects the other driver in the event of an accident. In other words, if you hit someone with your car, then your liability insurance will cover the other driver’s damages, but it will not cover your own. Liability insurance will also not cover any damages to your vehicle if it is stolen.

Texas drivers are urged to consider purchasing extra auto insurance coverage, especially since car thefts in Texas have significantly increased. Comprehensive insurance coverage in Texas will ensure that your vehicle is covered if it is ever stolen, or if it’s damaged by acts of nature, such as heavy rain storms. In addition, comprehensive coverage insurance allows use of a rental car or other forms of temporary transportation while your insurance company resolves the issue. Keep in mind, however, that Texas auto insurance companies typically do not pay for stolen cars unless the incident has been reported to the police.

If you need to find a new insurance company or even a better rate when adding on additional coverage, remember to always shop around at different Texas insurance companies. The official Texas Department of Insurance website offers its users several options, such as finding quotes, insurance company complaints, and a detailed description of each types of insurance coverage, including auto, home, and health.

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