How to Understand Auto Insurance in Texas
- 1). Know the Texas minimum coverage requirement for bodily injury. Texas drivers need to carry $25,000 of coverage for one person injured in a car accident and $50,000 of coverage for all people injured or killed in an accident. This money is used to cover medical and civil charges associated with a person being injured in an accident that is deemed your fault.
- 2). Understand what property damage in Texas means. You must carry $25,000 in property damage coverage. This covers a car, building or any other type of property damaged in an accident where you are deemed at fault.
- 3). Pay for what you can afford. Auto insurance minimums in Texas do not set the minimums for which you can be held liable. If you are at fault for an accident that causes $45,000 worth of damage, your insurance will only cover $25,000 of that, leaving you liable for $20,000. You can pay more money to increase your coverage if you want better protection against accident amounts.
- 4). Buy auto insurance in Texas as soon as a car is registered in your name. You must be insured to drive a car in Texas. If you are pulled over by the police without insurance, you risk fines and the potential loss of your license.
- 5). Pay for more than basic liability if you want to cover yourself, your car and anyone in your car in the event of an accident for which you are at fault. Basic liability is the only insurance required in Texas, but you can purchase policies that cover repairs on your vehicle, pay for a rental car and provide medical coverage to the people in your vehicle.