Auto Insurance
Auto insurance is mandatory in Texas. The state requires all drivers to have a minimum liability coverage to pay for damages they may cause in an accident. Drivers can purchase auto insurance from various insurers, including private companies and the Texas Department of Insurance.
State Requirements for Auto Insurance Policy
Texas law requires that all drivers have liability insurance to protect themselves financially if they cause an accident. Texas liability insurance must cover bodily injury and property damage to specific minimum amounts. For example, most Texas liability policies must provide at least $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage.
In addition to liability insurance, Texas requires all drivers to have uninsured motorist coverage. This type of coverage protects you financially if you are in an accident caused by a driver who does not have insurance. Texas law requires that all insurers offer uninsured motorist coverage, which must be included in your policy unless you specifically reject it in writing.
If caught driving without auto insurance in Texas, you can face various penalties. The most common penalty is a fine of up to $250. You may also have your driver's license suspended for up to two years. In some cases, you may also be required to complete an approved defensive driving course.
How to Shop Your Policy
When shopping for an auto insurance policy, it is essential to compare different insurers and policy options to find the best coverage for your needs. Get quotes from multiple insurers and compare their rates, coverage options, and discounts. Furthermore, please read the fine print of any policy before you purchase it so that you understand what you are and are not covered for.
Contact Us
Every state has different requirements for auto insurance, so it's important to be familiar with the laws in your state. Contact us today to get a quote on your car insurance policy. We can help you find the best coverage for your needs and budget.
