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Senior Car Insurance Texas TX

Reader’s Question:

I have been arguing with my father, who is a senior citizen, when he asks his car insurance agent to drop his collision and comprehensive coverage. Is my father still going to be protected here in Texas without it? And isn’t it as a senior citizen, he should get discount in any coverage he would be including?

Laura

Brazosport, TX

Senior Citizens have the right to have discounts which includes car insurance policies, but something you should is that most Car Insurance Companies increase car insurance rates when the senior citizen becomes 70 years of age since when a man becomes older and older their physical, hearing, eyesight, and reflexes starts to weaken. This makes the driver risky and car insurance rates higher even if the driver is privileged to have discounts.

As for the Collision and Comprehensive Coverage, once a driver dropped this coverage, he should have enough money to buy for a new car in case an accident occurs for if you drop this coverage you will not have the coverage to have your car fixed. Having only liability insurance might not be enough in case of any accident that my cause you a lawsuit and the petitioner might come after your asset. That it is why it is advisable for a senior citizen to get a high limit of liability here in Texas. You should know that even if the senior citizen is too old to drive but still driving carefully, the insurer are not going to take the risk for statistically speaking too old senior citizens are most likely to get an accident.

Tags: car insurance, collision coverage, comprehensive coverage, senior car insurance