A Guide to Texas Auto Insurance

In the state of Texas, it is required that you hold the minimum amounts of liability insurance on each car that you own. In fact, you can’t even register a vehicle in Texas without showing proof of insurance. So, what is the minimum requirement for liability insurance in Texas? What is the recommended amount? How do you go about finding a car insurance company that has your best interest in mind? These are questions that you should discuss with insurance agents and know the answer to before purchasing car insurance from any particular company.

Texas Regulations for Car Insurance
Being a car owner in Texas, you should know what regulations are required for your auto insurance. Currently, the law requires a minimum coverage of $30,000 per injured person per accident, $60,000 for all injured people in an accident, and $25,000 for property damage. But, the laws are constantly changing, so be sure that you know the current Texas auto insurance requirements before you purchase your car. Because Texas is a tort state (rather than a “no fault” state), there is always someone found to be the cause of the accident. This person is then responsible for all damages and the victims are compensated by the at-fault person’s liability insurance policy. If damages are greater than the coverage amount, the victim can sue the at-fault party for additional charges. Because of this, most Texas insurance companies recommend that drivers carry higher coverage than the minimum required by law. Talk to a couple different insurance agents to see what the recommended amount is for you.

Choosing the Auto Insurance That’s Right for You
Beyond just the required liability coverage, car insurance policies should offer property and medical coverage as well. It is crucial to know that your family will be financially covered no matter what tragic accident could happen on the road. So, how do you begin to choose among the hundreds of companies out there? Deciding between the different available options is not just about comparing prices and services, but speaking with insurance agents to make sure you can trust them. Often times some of the large, popular insurance companies will just look at you as another policy number and not even bother to learn your name or sympathize with your needs. Don’t just take the easy route by automatically going with one of the “big name” companies. Look into local insurance companies to compare what they have to offer as well. You may be surprised with the great service, good deals, and friendly people that you find. Personally, I prefer to be treated as a part of the family, rather than just another policy number!