Think about buying more liability coverage. For example, in Texas, auto insurance companies are required to offer personal injury protection (PIP) to policy buyers. Allstate is often the cheapest auto insurance company for minimum liability insurance in Texas. Not having insurance or presenting proof of insurance when requested can result in fines and other penalties, especially if you are involved in an accident.
The penalties for driving without liability insurance in Texas depend on the number of times you're caught. If you're looking for cheaper rates, check out NerdWallet's analysis of cheap auto insurance in Texas to find the insurers that offer the most competitive rates in the state. That's because insurers in Texas and other states base their rates on a wide variety of factors, such as your age, the vehicle you drive, where you live, your credit-based insurance rating, and more. You can also print your insurance card online or store it digitally on your phone or through your insurer's app.
You should carry your insurance card or proof of insurance with you in your vehicle, in case you are asked to present it to a law enforcement officer during a traffic stop. The Texas Department of Insurance website offers more information about auto insurance in Texas, including tips for choosing the right coverage. Your insurer will ensure that you have at least these minimum amounts of coverage when you purchase insurance. You can even pay for other people's belongings destroyed in a car accident or for renting a car for the other driver.
You can use the chat tools on this page to contact a car accident lawyer in your area or learn more about how a car accident lawyer can help you. Liability insurance is mandatory for driving legally in Texas and covers the injuries and damages you may cause if you are found guilty after 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. In no-fault states, an injured person must meet certain minimum requirements to be able to exit the car insurance system through no fault and file a claim against the at-fault driver.