Texas Auto Liability Insurance

In an effort to prevent drivers from causing accidents and then defaulting on payment owed, Texas has imposed a set of financial responsibility laws. Included in these laws is a minimum amount of Texas auto liability insurance that every driver must have in order to legally drive on the road. There are three different types of liability insurance that every driver is held accountable for, which include personal injury, property damage and a total amount per accident.

The following represent the minimum amount of Texas auto liability insurance each driver is required to obtain:

1. $30,000 personal injury
2. $25,000 property damage
3. $60,000 per accident

Like many other states, Texas is also starting to implement a fully automated system that will aid law enforcement officials in the task of checking the insurance status of each driver. This means that although police officers may still ask to see one’s insurance card in person, they can also verify whether or not a driver is current on their Texas auto liability insurance electronically, as well. This type of instant verification makes it very easy to check a driver’s insurance history while stopped at a traffic light or sign.

In order to ensure that people remain up to date on their liability insurance, and to prevent driver’s from entering the roadways without insurance at all, Texas is very strict in their enforcement of their newly updated financial responsibility laws. If a driver is discovered violating the laws for Texas auto liability insurance, they are subject to heavy fines, an impounded vehicle, and possible jail time, as well. Additionally, the court may also order to have their license suspended.

The best way to determine the right amount of liability insurance in Texas is to speak with a qualified representative. Although the state requires every driver to abide by the 25/30/60 rule, the minimum amount of Texas auto liability insurance may not be enough to cover all expenses in the event of a major accident.