Key Things to Know About Texas Auto Insurance

Uninsured Drivers In Texas

Anyone driving in the state of Texas may not realize that for every five car and truck drivers they pass on the road, one of those drivers has no auto liability insurance. The high occurrence of uninsured drivers means that Texas drivers have an increased risk of financial devastation in the event of an accident. Smart drivers who want to be law-abiding citizens when it comes to automobile insurance are investing in their safety on the roads by paying almost $1 billion each year to ensure they are covered by optional insurance policies to protect against motorists who are either uninsured or under-insured.

Texas Insurance Minimum Liability Coverage

The state of Texas’s financial responsibility law requires that any individual who drives a motor vehicle in the state must pay for the financial damage of any accidents they cause. Drivers are required by law to have what is called 30/60/25 liability coverage, which means that their insurance meets the state’s required minimum of $30,000 for every person injured in an accident, up to a total amount of $60,000 and coverage of up to $25,000 for any property damage caused.

Having liability coverage, however, is not enough to protect responsible drivers against facing bills for medical coverage and the costs of repairing or replacing a vehicle that has been damaged or totalled in an accident caused by an uninsured driver. The best defense is to invest in coverage in addition to the liability policy required by state law.

Additional Texas Auto Insurance Coverage Options

Collision coverage covers the cost of repairing or replacing a car damaged in an accident, up to the car’s actual market value without damages minus the deductible on your policy which is the amount you pay out of pocket upfront before any insurance monies are paid. Comprehensive coverage covers the cost of repairing or replacing a motor vehicle damaged by some event other than a collision and includes theft and vandalism. Medical payments coverage covers medical and funeral expenses resulting from accidents and includes pedestrians or bicyclists. PIP Coverage (Personal Injury Protection) provides up to 80% of an individual’s lost income as a result of accident. UM/UMI Coverage pays your expenses when your car is hit by an uninsured driver, someone underinsured or a hit and run motorist. Additional policies can also cover the costs of a rental car while your car is being repaired as well as charges for towing and labor following an accident.

TexasSure Vehicle ID Program

The TexasSure Vehicle Identification program that created a database to identify uninsured motorists is helping to lower the high percentage of uninsured drivers. But until everyone on Texas roads and highways can offer proof of insurance, smart drivers meet their financial responsibilities by having policies with more than the minimum requirements.