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Texas Auto Insurance Information

For people driving in Texas, they have to show they can pay for the accidents they cause. Texas law requires all drivers to have auto liability insurance. The best way to do this is for the drivers to buy Texas auto insurance.

In Texas, the legal minimum limits of liability insurance are: $30,000 for the bodily injury or death caused to one person, in one accident; $60,000 for the bodily injury to all persons caused in one accident; $25,000 for all property damage in one accident.

If any person is found driving in Texas without a valid Texas auto insurance, he will be charged with violating the state’s financial responsibility laws. It entails severe penalties for such violation of the state’s laws. As a first conviction this could result in a fine between $175 and $350.

Any subsequent conviction could attract a fine anywhere from $350 to $1000. It could also result in the suspension of the driver’s license, and further impounding of the vehicle. Texas uses TexasSure - the real-time insurance verification system.

TexasSure – Real time auto insurance verification

This real-time insurance verification system is called TexasSure. It allows the county tax officials and the law enforcement officers to instantly verify the status. With TexasSure, they are able to ascertain immediately if the vehicle has the Texas auto insurance or the auto liability coverage as required by the state law.

Certain terms are in vogue that should be understood when searching for Texas auto insurance. Knowing these terms makes it easy to understand the text of the insurance company’s offers and helps in making intelligent decisions when comparing various quotes. These terms are useful for general understanding as well.

Collision and comprehensive coverage

If the car is leased, the leasing company will ask for a collision and comprehensive coverage. The leasing company is the owner of the car, and they require the motorist to maintain this coverage. The coverage is for protecting the car in the event of a claim. Some of the leasing companies require a higher limit than the minimum liability. This is recommended as the expenses involved in getting a heavily damaged car repaired out of one’s own pocket may be financially disastrous.

The motorist may opt for a restricted policy. Some specific people may be named in the policy, and the coverage will extend only to them. This is an optional endorsement for a Texas auto insurance.

The deductible

Insurance companies will specify a portion of the claim as a deductible. The policyholder has to pay this amount before the insurance company pays their share of the claim. The figure for the deductible is decided at the time of buying the Texas auto insurance policy. A higher deductible results into a lower cost for the coverage, and qualifies for a lower per month premium.

Liabilities only insurance

‘Liabilities Only’ is an insurance that gives the bare minimum coverage as required by law. This coverage is for paying for damages a motorist has caused to other people and property as a result of an accident. However, this may not be adequate in case of an accident where the injured party may have to be adequately compensated.

Full coverage insurance

Full coverage is a term that is used to describe the total Texas auto insurance coverage that the policyholder has on their policy. This usually means that there is more coverage available than the bare minimum stipulated by law and also includes collision and comprehensive coverage.