Like most states, Texas has minimum auto insurance requirements for drivers. Texas drivers are required to carry liability auto insurance that meets the state coverage minimums. This insurance is a requirement to drive in the state of Texas legally.
What Does Liability Insurance Cover?
The Planners Insurance Group of Fort Worth, TX is committed to educating Texas drivers about the required state minimums. They are also committed to helping Texas drivers understand what their liability insurance covers. When you’re declared at fault, liability insurance compensates people that have been affected by an accident involving your vehicle. This insurance will pay for injury to another driver or passengers and the lost wages that may come from someone not being able to work due to injury. Liability insurance is also designed to cover any damage to the other driver’s vehicle.
What are the Texas State Minimums for Auto Insurance?
As a Texas driver, you are required to carry at least $30,000 of coverage for injuries per person. Texas liability insurance requirements also include a minimum requirement of $60,000 per accident and $25,000 for property damage. Keep in mind that these are the minimum requirements for Texas liability insurance. This means that you can purchase higher amounts of coverage if you feel it’s necessary. However, you must at least maintain the state minimums. You can’t legally drive in the state of Texas without this minimum coverage. Texas liability coverage is required to protect at-fault drivers.
Other Important Details…
In Texas, certain types of car insurance are specifically tied to the insured car. These coverages include bodily injury liability, personal injury liability, collision, and comprehensive auto insurance. Conversely, personal injury protection (PIP) coverage is tied to the driver in Texas. This differs from liability coverage in Texas. PIP will pay for your medical bills as well as your passengers. PIP also covers lost wages and non-medical costs. All Texas auto policies include PIP coverage. The Planners Insurance Group of Fort Worth, TX is committed to educating Texas drivers on the required state minimums for drivers and other forms of auto insurance. Please give us a call. We’re here to answer your questions.