- Thanksgiving travel means more traffic, deer, and unpredictable weather on West Texas roads.
- Check your auto insurance before you travel — especially comprehensive, collision, and roadside coverage.
- Midland & Odessa drivers should prepare for hail, long-distance drives, and deer collisions.
Why Thanksgiving Travel Requires Extra Coverage
Every year, TxDOT reports increased traffic accidents during Thanksgiving week — especially along I-20 and major highways through the Permian Basin.
Between visiting family, weather changes, and early winter darkness, now’s the time to make sure your auto insurance is ready.
Local travel risks in Midland & Odessa include:
- ???? Deer collisions: Peak season in November and December.
- ????️ Hail and ice: West Texas weather can change fast.
- ???? Long highway drives: Accidents are more common during holiday travel.
Key Coverages Every Driver Should Review
1️⃣ Comprehensive Coverage
Protects your car from non-collision damage like hail, theft, vandalism, and deer collisions.
Essential for rural and oilfield-area drivers in West Texas.
2️⃣ Collision Coverage
Covers repairs to your car after an accident, no matter who’s at fault.
Ideal for busy holiday travel when accidents spike.
3️⃣ Liability Coverage
Texas requires 30/60/25 minimums — but most experts recommend higher limits.
Covers injuries or damage you cause to others.
4️⃣ Roadside Assistance
Flat tire on I-20? Locked out in San Angelo? Roadside coverage provides towing, jump-starts, and emergency help 24/7.
Quick Tips Before You Hit the Road
✅ Check your policy — Make sure all vehicles are listed and covered.
✅ Inspect your tires and fluids — Cold air can lower tire pressure.
✅ Save your insurance agent’s number — You’ll want quick help if you’re out of town.
✅ Bundle your home and auto — Get discounts that last beyond the holidays.
FAQ
Q: Does Texas insurance cover deer collisions?
A: Yes — with comprehensive coverage. Liability alone won’t pay for vehicle damage from wildlife.
Q: Am I covered if I drive to another state for Thanksgiving?
A: Yes. Most Texas policies cover you across the U.S., but check with your agent before you travel.
Q: What happens if hail damages my car while parked?
A: Comprehensive coverage pays for hail repair or replacement, subject to your deductible.
Q: Should I raise my coverage limits for holiday travel?
A: It’s a smart idea if your current limits are low — it’s often inexpensive and adds major protection.
Sources
- Texas Department of Transportation – Holiday Driving Safety
- National Association of Insurance Commissioners – Auto Insurance Basics
- Texas Department of Insurance – Understanding Your Coverage
Author Bio
Craig Killebrew is the Insurance Manager at Killebrew Insurance LLC, serving families and businesses across Midland and Odessa, TX. With over 20 years of experience in the insurance industry, Craig helps Texans understand their coverage and stay protected — on the road and at home.
