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Auto Insurance in TexasThe State of Texas currently requires that all drivers be covered under liability auto insurance and that proof of car insurance always be carried within the vehicle at any moment. When you buy an auto policy in Texas, your insurance company will send you a proof-of-insurance card. In Texas, you must show proof of insurance when you
There are substantial penalties for violating the state’s financial responsibility laws. A first conviction will result in a fine between $175 and $350. Subsequent convictions could result in fines of $350 to $1,000, suspension of your driver’s license, and impoundment of your automobile. Texas Minimum Liability CoverageLiability coverage is required by law in the State of Texas. The minimum liability amounts for the State of Texas are as follows:
Remember that these are only the minimum requirements set by the state. Experts always advise that drivers get more than the state-mandated minimums, particularly if you have assets you need to protect, since these limits have not kept pace with the skyrocketing costs of car repairs and medical care. Also, getting liability coverage alone will not cover you in case of damage to your own car, so most drivers will want to add collision and comprehensive coverage to their policies. Uninsured/Underinsured Motorist CoverageSome, not all, states will require that drivers carry UM/UIM, also known as uninsured/underinsured motorist coverage. This coverage will protect the driver in the event that an accident occurs and the other party does not have auto insurance. The State of Texas does not currently require this coverage. No-Fault InsuranceTexas is a not no-fault state, so no-fault insurance is not required. Personal Injury Protection (PIP)PIP is an extension of car insurance available in some U.S. states that covers medical expenses and, in some cases, lost wages and other damage. The State of Texas current does not require drivers to carry PIP insurance. Texas SR-22 RequirementsSR-22 is a document that is required to be filed with a state's DMV as proof that the minimum liability coverage for the state is being carried. Not everyone needs an SR-22 filing. SR-22s are typically required for a driver to reinstate their driving privileges after an offense such as a DUI conviction, uninsured auto accident, or driving without proof of insurance. Texas currently requires an SR-22 filing to reinstate a driver's license. Texas DUI LawsFor the first DUI offense in the State of Texas, you will face the following maximum penalties:
Additional Information on Texas InsuranceFor additional information, you can contact the Texas Department of Insurance at (800) 252-3439 or go to their website at www.tdi.state.tx.us. Read more about Auto Insurance in TX.
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