As with most states, Texas law requires motorists to have a political responsibility to pay for accidents that happen to be at fault. The responsibility is a form of coverage that pays to repair or replace property of the party and medical expenses up to the amount indicated on the policy.
The minimum limits required are:
Auto Insurance
$ 25,000 for injury to a person $ 50,000 for physical damage to more than one person $ 25,000 for damage to property byaccident
Keep in mind that this is the coverage does not cover the insured for any losses incurred. Also be aware that it is the absolute minimum and with the high cost of medical care that may not be sufficient to cover the costs arising from a traffic accident. If medical expenses exceed the amount indicated on the policy, the insured may be sued for the difference. If, in its budget, consider purchasing higher limits.
It 's always important to conductproof of auto insurance at any time while driving. Proof of financial responsibility must be available when:
Asked by a police officer Registration of vehicles Involved in an accident Obtain or renew a driver's license After inspecting car
Failure to comply can have sanctions. Some of them may be more expensive than having the vehicle insured in the first place. A fine line between $ 175 and $ 350 can be issued for a first convictionand subsequent convictions can cost up to $ 1,000, license suspension and seizure of the car.
Texas auto insurance laws
