Texas Car Insurance Requirements

Find out Texas Car Insurance FAQs can help you create choices. The current minimum liability limits are $30, 000 for each injured individual, up to a total of $60, 000 per accident, and $25, 000 for damage to property per accident. This basic coverage is called 30, 60, 25 coverage. Since of automobile costs and the cost of health care, the amounts may not be enough to pay prices to the rest of the drivers if you're in an accident. Drivers can sue you to collect the difference. Consider buying more than the basic limits to defend yourself financially.


Return to Top: Your insurer will send you an insurance card showing the policy number and expiry date and listing the drivers and vehicles. A binder that is temporary or your policy is also proof of insurance.

When should I show evidence of insurance? You Proof of liability has to be shown! Asked by a law enforcement officer for it. Have an accident. Register your vehicle or renew its plates. Obtain or renew a drivers license. Get your vehicle inspected.

What're the penalties for driving without insurance? Texas law offers severe penalties for violating liability laws:

1. First Offense: $175 to $350 fine. Offenses: $350 to $1 drivers license impoundment and suspension of your vehicle. License: $2 180 days in jail, or both. You can purchase a non owner liability policy. Mexico doesn't recognize U.S. Auto liability policies. It's possible to buy Mexico insurance and liability insurance.

2. The minor exception: Some U.S. A endorsement extending your policy coverage to Mexico and up to 25 miles to trips of up to ten days is provided by companies. You can purchase coverage for longer stays, however this still ends 25 miles from the border.

Check your coverage if you live in or regularly travel to the Texas Mexico border area. Will my auto coverage pay for flood damage? Yes, if you've comprehensive, other than collision, policy for your vehicle. Does my policy cover equipment like cellular phones? The Personal Auto Policy won't pay for tapes, compact disks, cellular phones or city band radios or for stereo equipment, not permanently installed in your vehicle, unless you pay extra for separate policy.

Do I've to purchase collision and comprehensive coverage? Liability insurance doesn't pay to repair or replace your vehicle or to treat your injuries. Consider buying other types of coverage like medical payments, collision, and comprehensive to pay for these expenses. Texas law doesn't mandate this, but lenders usually require collision and comprehensive on vehicles they're financing. Return to Best Texas Car Insurance FAQs - Once I purchase an automobile, does my policy automatically cover it? Yes, but you'll need to be aware of certain limitations.