As a tort state, Texas auto insurance laws require at-fault drivers to cover the expenses incurred in an accident. For example, in Texas, auto insurance companies are required to offer personal injury protection (PIP) to policy buyers. If you're having trouble finding insurance, ask an insurance agent about how to get coverage through the Texas Auto Insurance Plan Association. For more information, see WalletHub's guides on how much car insurance you need and affordable car insurance in Texas.
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. 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. Allstate is often the cheapest auto insurance company for minimum liability insurance in Texas.
Liability limits in auto insurance are the maximum amount your insurance company will pay for injuries and property damage in accidents you cause. 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. 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.