Texas requires motor vehicle drivers to have general liability insurance coverage. Texas drivers are required to be able to produce poof of car insurance when requested by a police officer or highway patrol. Additionally, proof of insurance is required when renewing your car’s registration or it is involved in an accident.
What is the minimum amount of liability insurance required by the State of Texas?
Texas’s minimum liability insurance amounts are:
- $25,000 total property damage per accident
- $30,000 bodily injury per person
- $60,000 total bodily injury per accident
Although Texas requires the above as the minimum insurance coverage requirements, most insurance professionals advise to get more coverage than the amount mandated by the state. Getting sufficient auto insurance will help to protect you and your assets in the event of a major, unforeseen accident. Most Texas drivers add an additional type of vehicle insurance called collision and comprehensive coverage to their car insurance policies to cover possible damage to their own motor vehicle as well.
What happens if I drive in Texas without insurance?
The penalties for driving without insurance in Texas are severe and include citations of $350+, t, getting your vehicle impounded (taken away), and/or getting your drivers license suspended. The minimum amount of Texas state auto insurance is very affordable. Some car insurance policies are as low as $19/month in Texas.
What is Uninsured or Underinsured Motorist Coverage?
UM or UIM coverage is auto insurance coverage that protects a driver from damages if he gets in an auto accident and the other party involved in the accident does not have car insurance. Although some states require uninsured/underinsured motorist coverage, Texas does not require it.
What is No-Fault Car Insurance and Do I Need it in Texas?
Texas is not a “No Fault State”. This means that policyholders HAVE to prove that they are not at fault in order to be reimbursed by their car insurance company. “No-Fault” states have laws that allow a car insurance policy holder to be reimbursed by their insurance company without proof of fault.
What is Personal Injury Protection?
Texas doe not require Personal Injury Protection. Personal Injury Protection or PIP is additional insurance coverage that covers medical and hospital expenses, lost wages, etc. that are a result of an auto insurance accident.
SR-22 or DUI Insurance Requirements for Texas
An SR-22 form is a vehicle liability insurance document that is filed with Texas’s Department of Motor Vehicles as proof that a Texas driver has the minimum amount of state mandated liability insurance coverage. Texas SR-22 filings are typically required to reinstate driving privileges after serious motor vehicle offenses such as a “Driving Under the Influence” (DUI) arrest and conviction, reckless driving, uninsured auto accident or driving without insurance. The State of Texas DOES require an SR-22 filing for a driver’s license to be reinstated.
What are Texas’s Driving Under the Influence (DUI) Laws?
It is illegal in the United States to operate a motor vehicle with a Blood Alcohol Content of 0.08% or higher. If a Texas driver’s Blood Alcohol Content is determined to be above the legal limit of 0.08%, the first DUI offense penalties for the State of Texas are:
- 3 – 180 days imprisonment
- Up to $2000 fine
- 90 Day – 365 Day License Suspension
- $1,000+ DUI surcharge per year for 3 years
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