Texas law requires drivers to show that they can pay for the accidents they cause. Most drivers do this when purchasing liability insurance for cars. State law requires that people who drive in Texas pay for the accidents they cause. Most people do so with liability insurance.
A liability policy pays for the repair or replacement of the other driver's car and pays for other people's medical expenses if you are at fault for an accident. The most common discounts include taking defensive driving or driver education courses, maintaining a good driving record, having more than one car on one policy, and having other policies with the same company. As a tort state, Texas auto insurance laws require at-fault drivers to cover the expenses incurred in an accident. If you're having trouble finding insurance, ask an insurance agent about how to get coverage through the Texas Auto Insurance Plan Association.
If you don't have insurance and you cause an accident, you must assume full financial responsibility for the accident. Liability coverage is the only mandatory insurance in Texas, but insurance companies are also required to offer supplemental coverage. Driving without insurance (and getting caught) a second time can have even more serious consequences. This insurance coverage can also pay for your injuries if you're injured in someone else's car, in a bicycle accident, or if you're hit in a pedestrian accident.
If you or a loved one was injured in an accident with an uninsured driver, it's important to have a competent and experienced car accident lawyer on your side. When the at-fault driver does not have an insurance provider, injured victims have limitations in the ways in which they can recover compensation for their injuries. Every time the police stop you, you will be asked to provide your driver's license, insurance card, and vehicle registration. Texas law requires drivers to have insurance that shows that they are financially capable of paying for any accidents they cause.
Living life after an accident is a difficult process, especially if there is something that hinders the insurance claim process (such as an at-fault driver without insurance). Driving without insurance makes you a risky driver in the eyes of an insurance company, increasing the cost of your insurance premiums. If you drive uninsured in Texas, you can face serious consequences if you're involved in a car accident. Insurance coverage can cover everything from basic car repairs to renting cars after a car accident in Texas.