Texas Auto Insurance FAQ
Below is a MRR and PLR article in category Finance -> subcategory Wealth Building.
Texas Auto Insurance FAQ
Introduction
Whether you're new to Texas or a lifelong resident, questions about auto insurance are likely to arise. Is it required, and how much coverage do you need? When must you show proof of insurance? What happens if you're in an accident caused by an uninsured driver?
These are crucial questions, and at Texas Auto & Home Insurance, we're here to help answer them.
Is Auto Insurance Required in Texas?
Yes, auto insurance is mandatory for all Texas drivers. The law requires at least liability insurance, often referred to as 20/40/15 coverage. This means:
- $20,000 for each injured person
- $40,000 total per accident
- $15,000 for property damage
This coverage protects those you may injure in an accident but doesn’t cover your own injuries or damages. Should the costs exceed these limits, you could be held financially responsible. To avoid potential lawsuits, consider purchasing additional coverage.
When Do You Need to Show Proof of Insurance?
Having proof of insurance is crucial in several situations:
1. Traffic Stops
If pulled over, a law enforcement officer will request your license and proof of insurance. Failure to provide it can result in a ticket.
2. Vehicle Registration
When registering your car or renewing its registration, you must show proof of insurance. Without it, your registration cannot be completed, and you risk receiving tickets for both expired registration and lack of insurance.
3. Driver’s License
Proof of insurance is required when obtaining or renewing your driver’s license. Driving without insurance is illegal.
4. Vehicle Inspection
Your car must pass inspection with proof of insurance. An expired inspection sticker can lead to being pulled over and fined.
The Importance of Additional Coverage
Texas law has multiple checks to ensure compliance with auto insurance requirements, which ultimately benefits you. If an uninsured driver causes an accident, your only recourse might be a civil lawsuit. However, purchasing additional coverage can protect you from such scenarios and ensure you're adequately compensated.
For more detailed advice and to explore your options, feel free to contact us at Texas Auto & Home Insurance. We’re here to ensure you have the protection you need on Texas roads.
You can find the original non-AI version of this article here: Texas Auto Insurance FAQ.
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