Texas Car Insurance

Texas Auto Insurance Companies Require Mandatory Liability Insurance

In Texas, every driver is expected to pay for all the accidents that they cause. The state has a financial responsibility law that requires all drivers to purchase a minimum liability insurance that covers for the repairs or replacement of the other driver’s vehicle. It also covers the medical expenses of the other party when a driver is responsible for the accident. This means that every driver in Texas must purchase this minimum coverage of $30,000 for each injured person in a single accident up to a total of $60,000 per accident and $25,000 to cover property damage per accident.

Proving Minimum Coverage To Auto Insurance In Texas Providers

A driver in Texas must prove that they have the cheapest auto insurance in several instances, such as:
• When renewing or acquiring a Texas driver’s license
• In case of an accident regardless whether you are at fault or not
• When registering your car legally or renewing an already existing registration
• During your car’s inspection
• When asked by a law enforcement agency to provide proof of insurance.

Penalties

Any person caught violating the state financial responsibility law suffers serious consequences. A verification program known as TexasSure that confirms insurance electronically has made tracking easier. State insurance agencies submit information electronically using this program to TxDMV. This information is available to law enforcement agents, who use it to check if all drivers have complied with the minimum state requirements regarding texas auto insurance quotes. The TxDMV sends a notice to a driver if their insurance lapses or it has been cancelled. A person is expected to respond to this notice by sending documents that show that they have the minimum coverage, otherwise, their driver’s license and registration is suspended. The driver is given 20 days to appeal to the TxDMV to stop the suspension until the problem is solved.

Comprehensive& collision coverage

The mandatory minimum liability cover does not pay for your injuries, or repair or replace your car if you cause an accident. It is important to purchase other types of auto insurance to pay for your expenses. One such cover is the comprehensive & collision that protects your car whether you are the one at fault during the accident or not. The collision coverage will pay for all damages caused to the vehicle by an uninsured or under insured motorist. A comprehensive cover pays for damages caused to the vehicle by other forces apart from a collision. These include natural disasters, theft, vandalism and fire.