Loose Gravel And Cracked Glass: Auto Insurance In Celina, TX

People who have lived in the Celina, TX area for a while probably remember when it was just a spot on the road. But this area is growing fast. With new subdivisions. Road widening projects. In other words, construction zones everywhere you look. 

And what comes with road construction? Loose gravel and construction debris. The exact recipe that causes dings and cracks in your windshield. No one wants to hear that sound of a rock when it pings off their windshield. If it happens often enough, comprehensive auto insurance pays for itself in no time. 

How Road Construction Can Put Your Vehicle at Risk

It seems like construction on Preston Road, Coit Road, and US 380 has been going on for years. And as quick as one project is finished, another starts. Dump trucks hauling materials through the area kick up debris that will invariably hit someone’s windshield. Such a small rock, it’s crazy that it sounds and feels like a hammer. 

A small chip from a pebble going at highway speed can quickly spread into a full crack. And Texas heat makes that risk even higher. But it’s not just your glass you need to worry about. This debris can also damage your body panels and side mirrors, or scratch your paint.

Liability Auto Insurance Requirements in Texas

Texas law requires all drivers to carry at least 30/60/25 liability auto insurance coverage. This makes sure that if someone is injured or their vehicle is damaged and you’re at fault, they’re covered. But liability doesn’t cover your vehicle at all. Not your windshield, not your bumper, not your paint, nothing. 

Comprehensive Auto Insurance in Celina, TX, Can Save You a Lot of Headaches

Comprehensive coverage is what you need if you want to make sure your own car is covered if it’s damaged. And it would cover your cracked windshield if you take a hit from a dump truck’s flappers or other road debris.

It’s not required in Texas if you don’t have a lienholder on your vehicle. But at Rasor Insurance, we recommend it, especially if you have a newer model car. But honestly, it can give you real peace of mind even if your car is older. 

Talk to Someone Who Knows What’s Going on in Celina

Celina is going through a construction boom, and that’s going to be happening for the foreseeable future. Get with Rasor Insurance today to make sure you have the coverage you need in every scenario.