The purpose of the Association is to make liability insurance for property damage and auto bodily injury required by Texas Motor Vehicle Safety. EaSI · For producers · FAQs about TAIPA · Find a form. The Texas Auto Insurance Plan Association (TAIPA) is a government-run insurance system for high-risk drivers. Thanks to TAIPA, high-risk drivers can get state minimum insurance coverage.
Certain car insurance qualifying factors, such as your driving record, can significantly affect your insurance costs. But is TAIPA cheap? Will you pay low auto insurance premiums with the Texas Auto Insurance Plan? Or is TAIPA expensive? If you maintain a safe driving record, you can eventually rejoin the normal insurance group. The Association is governed by Chapter 2151, Texas Insurance Code and its Operating Plan, which has been approved by the Insurance Commissioner. To ensure road safety for everyone, it's important to familiarize yourself with the laws for new drivers in Texas.
Thanks to TAIPA, any high-risk driver can access personal injury and property damage liability insurance at a more reasonable price than that available on the open market. TAIPA won't necessarily be “cheap”, but it will provide you with the insurance you need to drive legally, and you can get it at a more reasonable price than traditional insurance providers charge. The terms, definitions and explanations of insurance are intended for information purposes only and do not replace or modify in any way the definitions and information contained in the individual insurance contracts, policies or declaration pages, which prevail. Under the Texas Motor Vehicle Safety Accountability Act, a car owner in Texas must ensure financial responsibility before driving in the state.
Not having car insurance in many states can make you a high-risk driver when you buy car insurance. If you are a high-risk driver who is struggling to find affordable car insurance in Texas, the Texas Auto Insurance Plan (TAIPA) may be the right choice for you. The Texas Auto Insurance Plan Association (TAIPA) allows high-risk drivers to maintain minimum auto insurance coverage. Once the TAIPA accepts a motorist's application, it is placed in a residual group consisting of insurance companies licensed to issue auto insurance in Texas that are members of the Association.
To apply for the Texas Auto Insurance Plan Association, you can call (86) 321-9154 to contact a local representative. This type of Texas auto insurance coverage is used to repair your vehicle when physical damage occurs from incidents not related to a collision (subject to deductible). Texas drivers who can certify that two companies have refused insurance within 60 days are eligible for coverage through TAIPA.
