Make Sure You’re Covered With Liability Insurance

Like everywhere else in the country, Texas requires drivers who are using its roads to be financially responsible. Auto insurance protects both you and anybody suffering injury or property damage that you might be liable for in the event of an accident. According to the Texas Department of Insurance, anybody driving a car on a state roadway must have a mandatory minimum of $30,000 of liability insurance in Texas per person for injuries and $60,000 per accident. He or she must also have an additional $25,000 for property damage coverage.

The minimum of $30,000 of coverage per person is actually quite low. A fractured leg requiring a surgery and rehabilitation therapy is going to cost far more than that. Without sufficient coverage, you might be required to pay personal injury damages out-of-pocket.

Other types of auto coverage are available if you want more than the bare minimum. Those include the following:

Collision: This pays to repair or repair your car after an accident that you caused.
Comprehensive: You’re covered if your car is damaged by a storm, a flood or if it’s stolen.
Uninsured and Underinsured Motorist Insurance: If a motorist who was uninsured or who didn’t have enough insurance to cover your medical bills and lost time from work, you’re covered. Most policies even cover you as a bicyclist or pedestrian.
PIP Coverage: Unless waived in writing, this is mandatory. It pays the medical bills of you and your passengers along with lost earnings and other damages.

Other insurance coverage that’s available is towing and rental reimbursement coverage.

You’ll need proof of insurance if you’re pulled over. You’ll also be asked for your proof of insurance by state agencies when you’re renewing your license, registration or having your car inspected. Contact us with your questions about liability insurance in Texas. We want to help keep you legal.