SR22 in Texas

Reader question:

What are the coverages available for SR22 in Texas?

Dylan

Glad you asked, Dylan.

There are several different types of coverage, which fall into three main categories: legally required, contract required, and optional.

• Legally required coverage for your SR22 in Texas.

In this category, you find your liability insurance. This is the minimum amount of coverage you have to get when you buy a car insurance policy in Texas. You will need $40,000 of bodily injury and death liability, which will divide into $20,000 max per person, and you will also need $15,000 for property coverage. To be safe, you should get at least $100,000 for property and $300,000 for injury.

• Contract required.

When you buy a car, you have to show proof of insurance, because the company wants its assets protected. You will have to have comprehensive and collision coverage, and in most cases gap coverage as well, if you want to buy a new or used car in installments.

• Optional.

Beyond that, you have several types of optional coverages, such as rental car reimbursement, mechanical breakdown coverage, uninsured/underinsured motorist coverage, towing, and so on.

Cheers,

Fashun Guadarrama.