Texas is the second-largest state in the US in terms of population and size. Besides, the Lone Star State features popular cities like Houston and Dallas. Whereas Texas is a great state to live and drive, it’s home to some of the most dangerous highways.
For this reason, you shouldn’t drive in Texas without car insurance from Jason Ridley Agency in Colleyville, TX. While auto insurance is mandatory in Texas, this coverage cushions you financially when mishaps happen. Ready to get started with auto insurance? Here are four facts you should know about Texas auto insurance.
Proof of insurance
You must provide proof of insurance or financial responsibility when driving in Texas. As such, always carry your insurance card to show proof of insurance whenever pulled over.
Required auto insurance in Texas
Like most states, auto insurance is mandatory in Texas, and you are required to include the below coverages in your car insurance:
- Property damage liability: This insurance policy protects you when accused of property damage by other people.
- Bodily injury liability: This coverage protects you when third parties accuse you of causing physical harm to them following an auto accident.
While the state requires the above coverages, we usually advise motorists to increase limits and consider other optional car insurance coverages.
Penalties apply for non-compliance
If you drive without proper auto insurance, you pay fines ranging from $175 to $350.Additionally, you pay $250 per annum for three years if you are a first-time offender. Of course, the penalties are more severe for repeat offenders.
Texas is an at-fault insurance state
If the other party is responsible for the accident, you don’t have to file a claim with your insurance. Instead, you can follow up with the other party to pay for your damages. And if they have insufficient coverage, you can sue.
Find out more about auto insurance
Would you like to learn more about car insurance? Please get in touch with Jason Ridley Agency for more information. You can also pop in our Colleyville, TX offices to speak to one of our agents.