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Texas Car Insurance

An individual seeking to acquire an auto insurance policy in Texas for the first time might feel like the conditions, terms, regulations and rules relevant to every insurance law are the same for every US state.

The fact is that Texas car insurance law isn’t the same as all other states in the Country. This may seem absurd initially, but each state regulates their own insurance laws and therefore none are exactly the same.

The first and the most significant point of divergence between Texas car insurance law and some other states is the minimum mandatory insurance policy required. Each state has a different amount of minimums, and some states are “at-fault” states, while others are “no-fault” states.

Texas car insurance mandatory minimums

In Texas, the required minimum mandatory insurance rates are $30,000 for bodily injury or death to one person per accident, $60,000 for bodily injury or death to two or more persons per accident, and $25,000 for damage or destruction to another party in an accident.

Collision and comprehensive insurance are not required by state law. Though if you lease or owe a bank or lending institution money on your vehicle, odds are part of your agreement with them is that you also carry this additional insurance.

In Texas – there is a statewide monitoring system called TexasSure. This enables law enforcement officers to look up the status of your insurance premium payments instantaneously. If you are in default – you are breaking the law and will suffer the consequences.

In fact – you won’t be able to register your vehicle until you show proof of insurance or “proof of financial responsibility” as it is often referred to. You will also likely pay fines and face higher insurance rates for your lack of concern for the law.

For all residents of Texas, auto insurance is an important part of being a responsible citizen. Respect the law – and find that your insurance rates will go down in the long run.