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. You can keep the rented car for as long as the company deems reasonable for repair.
Texas law requires insurance companies to charge fair, reasonable and appropriate rates for the risks they cover. 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. All licensed auto insurance providers in Texas are required to mail insured drivers their insurance card and include a copy of the Consumer Bill of Rights for auto insurance. While Texas doesn't require drivers to have insurance against uninsured or underinsured drivers, it's a good idea to consider including it in your policy.
If the other driver's limits aren't enough to cover all your medical bills, file a claim with your car insurance company or health insurance company. Through the policy, your insurance company in Texas assumes the financial burden of paying for the damages you cause up to the limits of coverage per injured person or by accident, when the policyholder is at fault for the accident. If the other driver's policy limits aren't high enough to pay for all your car repairs, file a claim with your insurance company. If your accident was caused by another driver, the other driver's insurance company will pay for you to rent a car.
Car insurance protects you financially by paying the medical and repair bills for the other driver's car if you cause an accident. Your insurance company will pay for a car rental only for as long as it deems reasonable to repair or replace your car. 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. The most recommended and common way to comply with legal liability in Texas is by purchasing an auto insurance policy.
Depending on the type and amount of insurance you have, your insurance company (or the at-fault driver's insurance company in case of an accident that you didn't cause) can pay not only medical bills and car repairs, but also car rental, court fees, and other costs. If you were involved in a vehicle collision and need experienced legal advice, consider talking to an Austin car accident lawyer who can help you understand how insurance affects your legal options. Knowing the different types of coverage can help you decide what insurance to buy and to navigate the insurance system in the event of an accident.