Texas Auto Insurance

Texas law requires minimum liability coverage of $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident. This basic coverage is called 30/60/25 coverage. However, basic coverage might not be enough if you are held liable for an accident. You should consider buying more than the basic limits.Auto insurance pays for damages, injuries, and other losses specifically covered by your policy. Coverage can vary by policy and company. Read your policy carefully to know exactly what it covers. Pay special attention to the exclusions section, which lists the things your policy doesn’t cover. The front page of your policy is called the declarations page. It contains useful information such as the exact name of your insurance company, your policy number, and the amount of each of your coverage’s and deductibles.

Proof of Financial Responsibility

When you buy an auto policy, your insurance company will send you a proof-of-insurance card. You will have to show proof of insurance in the following situations:

  • When you are asked for it by a law enforcement officer
  • When you have an accident
  • When you register your car or renew its registration
  • When you obtain or renew your driver’s license
  • When you have your car inspected

The penalties for violating Texas state financial responsibility laws are:

  • First offense: fine of $175 to $350.
  • More offenses: fine of $350 to $1,000, suspension of your driver’s license, and impoundment of your automobile.
  • Offense without a driver’s license: $2,000 maximum fine, 180 days in jail, or both.
  • Offense if you cause an accident with serious injuries or death: $4,000 maximum fine, one year in jail, or both.

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