Texas Auto Insurance
Requirements of Motorists under TX State Law
Everyone has an opinion about insurance. Some people
believe it is a conspiracy to con hardworking people out
of money. You can not imagine how much you need insurance
until you something happens that you were not prepared
for.
Weather its a car accident, a flu, a fire,or a theft
these things happen all the time. You never know if or
when something might happen to you. Don't be caught off
guard by life's unpredictable events.
There are certain "requirements" that are applicable
to each state and varies accordingly. We have attempted
to compile all of the relevant information in to this
single resource to help visitors know what is expected
of them in regards to insurance.
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Texas
Car Insurance Requirements
Coverage Minimum - 25/40/15
Coverage Explanation - Car insurance
coverage in Texas must provide a minimum of $25,000 for
injury liability for one person in an accident, $40,000
for all injuries in an accident, and $15,000 for property
damage in an accident.
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Auto
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Important Texas Auto
Insurance Laws!
1. TX Law states that motorists must show proof of financial
responbility, and most motorists do that by obtaining
a minimum of liability insurance.
2. The law requires motorists to keep a copy of proof
of their financial responsibility in their vehicles and
product it upon request to law enforcement officers.
Important to Note:
Non-Compliance:
Texas auto insurance law provides severe penalties for
violating financial responsibility laws:
- First Conviction: $175 to $350 fine.
- Subsequent Convictions: $350 to $1,000 fine, drive's
license suspension, and impoundment of your automobile.
###
Insurers must offer Uninsured Motorist / Underinsured
Motorist (UM/UIM) coverage, but you can reject this coverage
in writing. This coverage is not mandatory under Texas
auto insurance law.
Note: Your UM/UIM insurance pays for a hit-and-run accident
only if you promptly report it to the police.
###
Your Texas policy automatically meets the financial
responsibility requirements of other states and Canada.
Read
our review on Lowering your Auto
Insurance
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