Texas Car Insurance
All Texas drivers are required to have auto liability insurance. The minimum amounts of required coverage are $25,000 per person, $50,000 per accident for bodily injury and $25,000 minimum for property damage. Liability insurance pays the damages for the other parties in the accident up to the amount of the coverage limits.
Purchase Optional Higher Limits
Although it is not required, Texas drivers should consider purchasing coverage beyond the minimum limits. Without sufficient coverage, drivers may be personally responsible for damages above their coverage limits. While the minimum limits may seem like a significant amount of money, the cost of medical bills and vehicle repairs can be very expensive.
Each day, thousands of Texas drivers are involved in car accidents. Some accidents cause hundreds of thousands of damages when permanent or severe injuries are involved. Smart drivers protect their assets and purchase the appropriate amount of insurance coverage
Optional Insurance Coverage
Other important types of insurance coverage in Texas are Personal Injury Protection, which pays damages such as medical bills and lost wages regardless of fault, Uninsured or Underinsured Motorist, which pays for damages when another driver at fault for an accident does not have insurance or does not have enough insurance, Collision, which pays for vehicle repairs regardless of fault, and Comprehensive coverage, which pays for all vehicle damage or replacement value for incidents other than a collision such as the car being stolen or a tree falling on a car. These types of coverage can make a big difference in the event you are in an accident.
Keep Your Car Insurance Current
Without proof of liability insurance, Texas drivers can face substantial fines from the police, among other penalties. Uninsured drivers may also be forced to comply with state financial responsibility laws and have to purchase more expensive SR–22 auto insurance coverage.
Texas drivers should always know when their auto insurance policy expires to avoid a coverage lapse. Without insurance, in addition to facing fines for violating the law, a driver can be financially responsible for all damages caused in an accident, which could amount to hundreds of thousands of dollars. Driving without auto insurance is fiscally irresponsible and can lead to financial ruin.
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Drivers in Texas have dozens of insurance companies to choose from. Allstate, Geico, Nationwide, and Progressive all sell insurance in Texas. Whether you live in Houston, Dallas, San Antonio, Austin, or El Paso, use BestCarInsuranceCompanies.net to get low cost Texas car insurance. Just enter your zip code above to get started and you could be on your way to saving hundreds of dollars a year on your auto insurance.