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Liability Insurance for Texas

In the State of Texas, it is a requirement of law for all licensed drivers to be covered by auto insurance. The driver needs to be covered by liability insurance Texas at the very least.Liability Insurance Texas

Liability insurance Texas is the coverage of the necessary obligations of the causer of an automobile accident to pay for the damages incurred to the other party’s vehicle and health. Liability insurance Texas pays the repair costs of the vehicle that was hit, as well as the other driver’s medical expenses, if there are any. However, liability insurance coverage does not cover the expenses incurred upon the driver of the vehicle that caused the accident. Therefore, it is recommended that some of the other options available to add onto liability coverage are done so, such as personal injury protection, medical payments, collision and comprehensive payments. These additional coverage options will add some comfort to the payer of the damages by significantly reducing the price of the overall cost of the accident.

Prior to purchasing liability insurance Texas, the coverage amounts need to be looked at. The minimum state requirements of Texas for liability auto insurance is measured by the 30/60/25 rule. The “30” figure represents $30,000 that will be covered for each injured person, the “60” figure represents $60,000 of total costs of expenses that will be covered, and the “25” figure represents $25,000 of property damage that will be covered per accident. Due to the increasing costs of today’s automobiles and medical care, the minimum liability insurance may not suffice in covering all expenses. In that case, the driver will need to pay the difference of the total cost of expenses and the amount covered from the liability insurance Texas.

Auto insurance rates vary among the different offering companies. Therefore, it is recommended to shop around and ask for price quotes. Be aware, prices will also vary accordingly to the amount of costs that will be covered by the contract. It is important to read all of the fine print prior to purchasing coverage as it could potentially save the buyer a lot of money.  Texas liability insurance is required.


How to Shop for a Great Price on Auto Liability Insurance in Texas

In Texas, the law requires people who cause an accident to pay for the accident. Since there is no way of predicting if a person is going to cause an accident, it’s a good idea to purchase liability insurance to ensure this legal requirement is met. The minimum amounts are $30,000 for each injured person, up to $60,000 per accident and $25,000 for any property damage as a result of the accident. Some insurance companies call this 30/60/25 coverage. Whether a person is trying to meet the minimum requirements or purchase as much insurance as possible, they’re going to want to look at a few different policies for Liability insurance texas before making a final decision.

Requirements for Liability Insurance and Proof of Insurance

A person is required to prove they are able to cover the minimum amounts if they are involved in an accident. There are a variety of times they need to prove they are able to cover the financial responsibility for an accident including when they are pulled over by a police officer, when they are in an accident, when they renew their driver’s license or when they have the car inspected.

Penalties for Failing to Have Adequate Coverage

If the person cannot show they have the appropriate coverage for Auto Liability insurance texas, they face a fine of $175 to $350 for a first offense. After this, they can receive fines of up to $1,000, the suspension of their driver’s license, and the impoundment of their vehicle. The fines are harsher if they do not have this or a driver’s license or if they do not have this and they cause an accident with serious injuries or death. In these last two cases, the person may even be required to spend time in jail.

What is Covered by Insurance?

Each policy can have different details so it’s important to read a policy thoroughly before selecting it. Some policies only include driver’s names on the policy, exclude vehicles used for a business, excludes racing, or excludes coverage for any intentional acts. For Texas liability insurance, policies generally cover medical or funeral costs, lost wages, car repair or replacement, car rental, and punitive damages awarded by the court to the other driver in the accident caused by the policyholder. Most of the time, it will include the policyholder, family members living in the same household, other people driving the car with permission, and family members attending school elsewhere.

Additional Types of Coverage

For additional coverage, the person is going to want to purchase collision to cover their own car, comprehensive to cover damage other than from accidents, personal injury protection to cover the policyholder’s medical bills and loss of income, and uninsured or underinsured motorist coverage if an accident is caused by a person who doesn’t have sufficient insurance.

Many people are interested in purchasing Texas low cost Auto insurance for their vehicle but aren’t sure where to look. Whether they’re interested in texas liability insurance or in a policy that covers a variety of situations, they’re going to want to look around before choosing a policy. One way to find out which policies will include everything they need for a fantastic price is for them to work with a company that can get multiple quotes for them. This can save a lot of time and help them find the best policy within their budget.

Below are just some cities in Texas that we have been very competitive and found low cost liability insurance.  Our most recent cities that have shown competitive rates are Waco,  Belton, Elpaso, Grand Prairie, Labelle, McAllen, And Prosper.

Update 09/09/2016: Progressive personal auto rates in Texas have been adjusted effective September 23, 2016.  The adjustments are designed to make Progressive more competitive in the state. They are changing the way they collect violation information.  Progressive is also adding an advanced quote discount.


A Plus Auto Insurance

5018 Antoine Drive Suite B #175

Houston, Texas 77092

United States (US)

Phone: (281) 809-0946

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  1. 08/26/2016- We just added Dairyland to the list of Companies in Texas that we can write. Dairyland has great rates for just liability policies in TX. Give us a call today to get your free rate quote. They are also Great at SR22 for the TX.

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