Consider buying more liability coverage. Texas law requires people who drive in Texas to pay for the accidents they cause. Most drivers do this by purchasing liability insurance. Liability insurance pays for the repair or replacement of the other driver's car and pays for other people's medical bills when you're at fault for an accident.
In Texas, drivers must have a minimum amount of auto liability insurance to protect themselves if they are found to be at fault for an accident. While Texas doesn't require drivers to have insurance against uninsured or underinsured motorists, it's a good idea to consider including it in your policy. If you purchase insurance that complies with the state's financial responsibility law, you must purchase at least the minimum amount. It can make finding an insurance company more difficult than usual, since one of the first things they ask for is your driver's license number, but it's possible.
If you are unable to show proof of insurance or if your policy does not meet the minimum coverage limits, you may be subject to several penalties. Although it seems illogical, having car insurance in Texas, even if you don't drive, can be beneficial in some situations. If you are stopped and you can't show proof of insurance, there are many consequences to face, besides the lack of coverage for potential liability risks. Auto insurance laws in Texas also require protection from personal injury, unless you explicitly reject it by signing a waiver.
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. As mentioned above, Texas requires drivers to demonstrate financial responsibility in the event that they cause a car accident on state highways and highways. For example, in Texas, auto insurance companies are required to offer personal injury protection (PIP) to policy buyers. Depending on the type and amount of insurance you have, your insurance company, or the at-fault driver's insurance company in the event of an accident you didn't cause, you can pay not only medical bills and car repairs, but also car rental, court fees, and other costs.
In some states, your vehicle may be towed and you won't be able to claim it until you provide proof of insurance. Not all Nationwide affiliates are mutual companies and not all Nationwide members are insured by a mutual society member. These prices are only estimates based on rates for an average Texas driver and should not be used to compare insurance prices. While state minimums are fairly straightforward, safer means more protection in the event of an accident, so it can be helpful to understand your coverage options beyond the state minimum requirements.
