Whether you are new to Texas, or who has lived here all your life, chances are good that you need to ask some questions about auto insurance in Texas. Is it necessary and if so, how much is needed? If you must show proof of insurance? What happens if I cause an accident that is not my fault, but the other driver has no insurance?

Obviously, important questions on car insurance in Texas. Here at Texas Auto & Home, we are here to help you answer these questions and other frequently asked questions.

Texas auto insurance is absolutely required by law?

Yes, the car insurance in Texas is certainly required for all drivers. Texas law requires all drivers to at least liability insurance. Often called 20/40/15 coverage, this policy covers up to 000 minimum per injured person for every 000 injured in the accident and 000 € for property damage. Note that you do not cover this type of auto insurance in Texas, but only the victims of accidents caused you.

If the medical examination and / or damages in connection with an accident that you caused these amounts exceeds, you will be responsible for additional costs. If you can not afford, you can send to court. In most cases we can avoid this by purchasing additional protection by the legally prescribed.

When do I need auto insurance in Texas?

Of course, you have to show insurance if you have an accident. The other drivers want to take your information and can choose to require a claim with your insurance company.

Other scenarios where you must be able to provide include a proof of auto insurance in Texas:

1. A law enforcement officer asks.

If you run from a police officer for some reason the first question, he / she will ask you to show your driver’s license and proof of insurance. If you have no proof of auto insurance in Texas when a police officer asks, you will immediately be issued a ticket.

2. Register your car or renew their registration.

One way of automobile liability insurance in Texas, is forced by requiring driver proof of insurance when registering your car or renew your registration. If you do not have your license plate sticker expires and you can be arrested and get two tickets, one for expired registration and one for not proof of insurance.

3. Obtain or renew your driver’s license.

Another way of automobile insurance in Texas, is forced by requiring driver proof of insurance for the first application or renewal of your license. Without insurance, you literally can not drive legally.

4. Get your vehicle inspected.

Finally, you can not control your car without the proof of car insurance in Texas. Since your registration sticker, your inspection sticker and the expiration date clearly visible on your car windshield. If it expires, you can be arrested and has demanded proof of car insurance.

Sure, there’s simply no way around automobile insurance in Texas, state law has developed in various ways that its proof and currency will be constantly monitored.

Ultimately, this is a good thing. What would happen if you have an accident that the error had heard of other riders, and was told that he / she has no insurance?

The only way can you compensation, if the person is not willing or able to pay a civil action. However, through the purchase of additional protection with your insurance agent, you can be sure you’re protected in these situations.


Texas Property Insurance