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. Liability insurance pays for the repair or replacement of the other driver's car or other damaged property, and pays for other people's medical expenses when you're at fault for an accident. Depending on the type of coverage you have, you can also pay for the repair or replacement of your car if it is damaged or stolen.
If you don't own a car, but you borrow it frequently, you can purchase a third-party liability policy that pays for damages and injuries you cause to others while driving a borrowed car. If your child has a car, the company may charge you differently because the rates are based on the car's usual location. The consequences of driving without insurance exceed the monthly insurance premium and may result in the following penalties. It protects you in the event of an accident in which the other party is at fault and has no insurance or whose insurance limits are not sufficient to reimburse you for the damage they caused.
Texas law requires insurance companies to charge fair, reasonable and appropriate rates for the risks they cover. In some states, your vehicle can be towed and you won't be able to claim it until you present proof of insurance. Not having car insurance in many states can make you a high-risk driver when buying car insurance. Car insurance protects you financially by paying the medical and repair bills for the other driver's car if you cause an accident.
Some car insurance qualifying factors, such as your driving history, can significantly affect your insurance costs. Nationwide roadside assistance coverage is available in two different levels, Basic and Plus, so you can choose the one that best fits your budget. If you think the other driver was at fault, but your insurance company won't pay your claim, file a claim with your own insurance company. If you can't drive your car because of a covered loss, this coverage helps pay for a car rental or other transportation expenses so you can get back on the road.
Some states require an SR-22 document to show that you can meet the state's minimum insurance requirements.