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What Is Required for Auto Insurance in Texas?
Drivers in the state need to be able to pay for any damages and injuries that could be caused by a car accident. Many people buy liability insurance to fulfill this. In order to comply, you need a minimum of $60,000 for injuries per accident, $30,000 for injuries per person, and $25,000 for property damage. If individuals don’t want liability coverage, there are also some other ways to prove financial responsibility, which includes having $55,000 cash or securities with the state comptroller or county judge.
Other Car Insurance Options
Having liability coverage won’t protect your car in the event of an accident. Comprehensive insurances pay for damages to your car that aren’t related to an accident and include other incidents, such as vandalism and theft. Collision insurance will pay for damages to the car because of an accident. Even though insurance is required, there are estimates that 20% of drivers don’t have insurance, so uninsured and underinsured motorist coverage can protect you from damages due to accidents with those drivers. Other coverage options include towing and labor. An agent at John Gentry - Integra Insurance can help you determine what coverage and how much coverage you need.
What You Should Know about Auto Insurance in Texas
The state has TexasSure, which is a program that helps government agencies in the state to electronically verify that drivers have insurance. The state also has the Texas Automobile Insurance Plan Association, which helps those with bad driving records that are having a hard time finding car insurance. In order to help promote safe driving in the state, insurance companies will offer you a 5% discount off your premium if you are taking a Texas Education Agency approved drug and alcohol awareness course. Those who have been convicted of a drug or alcohol-related charge in the last seven years are not eligible for that discount.
Contact John Gentry - Integra Insurance to get a quote on auto insurance.