Texas Car Insurance: The Importance Of Your Car Insurance Coverage
The state of Texas requires that all drivers maintain a valid Texas car insurance policy when they drive their vehicles
. If you plan on driving in Texas, you are going to need to purchase an insurance policy that covers your vehicle and any damage your vehicle may cause as a result of your driving.This state also requires a mandatory minimum amount of coverage that you need to have as a driver. Also, liability insurance is required. Liability insurance is essentially coverage for any accidents you may be the cause of. In order for your insurance policy to be legal, you must have the mandatory minimums required by the state of Texas covered by your policy.
If you are unfamiliar with the minimum requirements, you should note that the minimum bodily injury coverage that your policy can provide should be up to $25,000 for the death or injury of a person in a single accident.
Along with the bodily injury coverage, there is also mandatory minimum coverage requirement for property damage. The property damage coverage minimum is $25,000 for one accident. By maintaining these coverage levels, not only will you be able to drive around the streets of Texas legally, but you will also be covered if you happen to get into a bad accident.
You should keep in mind that these are only minimum requirements though. If you do happen to get into an accident that is your fault, you can be sued by another individual for much more than your insurance policy can cover. If you would like to protect yourself from these worst-case scenarios, you should definitely opt for a policy that has more coverage.
As you can see, having insurance in Texas is very important. The coverage you receive through maintaining a policy is not the only benefit though. If you were to be caught driving a car without a valid insurance policy, you would be fined $175 the first time and $350 the second time. If you are caught driving without valid insurance at any other time beyond this point, you will be risking the suspension of your license and the impoundment of your car, along with hefty fees.
So, if you would like to be safe while you are driving on the streets of Texas, you should definitely maintain a valid insurance policy. Also, if you would like to avoid extremely expensive fines, you will want to maintain a valid insurance policy all times. As long as you maintain a Texas car insurance policy that meets the minimum coverage requirements, you can drive your vehicle legally in this state.
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