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Texas Car Insurance Laws and Quotes

In Texas car insurance is a requirement, not an option. You must buy a car insurance that assures your comply with the car insurance responsibility laws. Here we discuss the car insurance coverage options in Texas. When you are involved in an accident, your financial security depends on the type of insurance you have.

When you own a car in Texas (TX), some say the choice of car insurance coverage is as important as the vehicle itself. Texas’ at-fault laws require you to pay for the accidents you have caused, which simply means that you have to buy and maintain (read about TexasSure) auto liability insurance, at least of the minimum amount.

Current Texas car insurance laws

Currently, the basic Texas car insurance coverage is fixed at 30/60/25. This means that the minimum liability limits in Texas are $30,000 for each injured person, up to a total of $60,000 per accident and $25,000 for property damage per accident.

However, the minimum liability car insurance is often not enough, thanks to the car prices and the high cost of medical care. In case of an accident, the minimum amount might not be enough to pay all of the other drivers’ expenses if you are determined to be at fault.

Texas car insurance purpose

The purpose of car insurance is to protect the buyer financially. When buying car insurance, you need to establish that it would take care of protecting your financial interests such as the repair cost of your car, injuries to yourself or others and so on. Make an assessment of your financial liabilities in event of a mishap and decide on your car insurance coverage amounts accordingly.

You must also factor in that vehicle liability insurance does not pay for your own medical expenses or the car repair or replacement. You will have to purchase other types of auto insurance coverage such as collision, medical payments and comprehensive to pay for such expenses.

TexasSure focuses on car insurance neglect

Texas auto laws are tough on the offenders – those that don’t carry at least the minimum amount of liability insurance. The first violation attracts fine of $175 to $350, while more offenses would attract fine of $350 to $1,000, suspension of driver’s license and impoundment of the vehicle. An offense without a driver’s license would draw $2,000 maximum fine, 180 days in jail or both. If you cause an accident with serious injuries or death, you will attract the penalties of $4,000 maximum fine, one year in jail or both.

Depending on the kind of coverage you have purchased, car insurance in Texas pays for medical expenses, car repair or replacement, rental cars, towing, court costs and other expenses. You must read your policy thoroughly as coverage may vary. The declaration section would show the name of your insurance company, your policy number, amount of your coverage and deductibles. Exclusions section will mention the things your policy does not cover.

Types of Texas car insurance coverage

Texas Personal Automobile Policy offers eight kinds of coverage:

• Liability
• Collision
• Comprehensive
• Medical Payments
• Personal Injury Protection
• Uninsured/Underinsured Motorist Coverage
• Towing and Labor Coverage
• Rental Reimbursement.

You may buy separate coverage for items in your car for additional premium.

A replacement car usually has the same coverage as the automobile it replaced. For instance, you were using a car which only has liability coverage; the replacement car automatically has only liability coverage. You will have to buy any extra coverage.

Texas auto law allows for adding children to auto policies to meet the state’s financial liability requirements. It may be expensive, but certainly better than buying a separate policy. Do mind that if your child causes an accident and he/she is not listed on your policy, the company may deny your claim and coverage. They may also refuse to renew your policy later.

Texas car insurance quotes

“In Texas Auto Insurance” provides comprehensive information on TX car insurance, quotes and resources to lower your car insurance costs. To get cheap Texas car insurance quotes, use our quote comparison tool to get quotes from Geico, Progressive, AAA, AARP and other well-known and respected car insurance companies.