Auto Insurance Coverage Texas

Reader’s Question:

Hi, I would like to know the required minimum auto insurance coverage in Texas.

Leo

Amarillo, TX

 

Auto insurance in Texas requires driver to maintain an auto insurance coverage. When the driver encountered an accident where he/she is at-fault, the auto insurance company will pay the damage to property and medical expenses suffered by the victim.

The minimum liability auto insurance coverage in Texas are:

• $25,000 Bodily Injury Liability limits of per injured person up to a total of
• $50,000 per accident, and
• $25,000 Property Damage Liability coverage

Although not required in Texas, collision and comprehensive policy is highly suggested. If you are at-fault and are liable to shoulder the medical expenses and other cost incurred by the victim because of the accident, your auto insurance policy will take care of it. However, since you also have other costs to take care of like the cost of repairing your car, collision and comprehensive policy can assist you to pay these. This coverage will also pay the cost of repairing your car especially in situation that is beyond your control like hitting an animal crossing the road.

Uninsured/underinsured motorist auto insurance coverage in Texas is a wise investment because not all motorists are covered by auto insurance. This can help driver that is a victim of hit and run. This policy can also be of great assistance when the at-fault driver does not have enough auto insurance amounts to cover the cost incurred in the accident.

If you want to save from high auto insurance premium, know the factors that affect auto insurance rates like mileage you drive, good student grades and the model of your car. Don’t forget also to shop.