Think about buying more liability coverage. 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. 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.
If, instead, you're looking for a policy that balances quality with affordability, MoneyGeek also ranked the top auto insurance companies in Texas. Some states require that the car be subject to a pre-insurance inspection before you can take out collision insurance and comprehensive insurance. 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. As a tort state, Texas auto insurance laws require at-fault drivers to cover the expenses incurred in an accident.
These prices are just estimates based on the rates of an average Texas driver and should not be used to compare insurance prices. Although it seems illogical, having car insurance in Texas, even if you don't drive, can be beneficial in some situations. For it to be reinstated, you must file an SR-22, which assures the state that your policy meets the minimum car insurance requirements in Texas. While insurance for uninsured drivers isn't part of the minimum car insurance requirements in Texas, it's a good idea to buy it.
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. The Texas Department of Insurance website offers more information about auto insurance in Texas, including tips for choosing the right coverage. The same penalties apply if your policy doesn't meet the minimum auto insurance requirements in Texas. Texas auto insurance laws state that a reduced value claim must be filed within two years of the accident.
Texas auto insurance laws also require protection against personal injury, unless you explicitly deny it by signing a waiver.