How Does Car Insurance Work in Texas?

Whether you’re looking for car insurance for the first time or revising your current coverage, you should do your research and not believe everything you hear. If you can tell the difference between reality and fiction, It will be easier to find the best insurance. 

In Texas, insurance plays a critical role in claims following a car accident. The Lone Star State requires drivers and car owners to have certain levels of insurance. So, if you’re wondering, “How does car insurance work in Texas?” here’s everything you need to get started. Then call a car accident lawyer from our firm for help with your case.

Proof of Insurance in Texas

In Texas, various types of insurance proof are available. In most cases, your insurance company will issue you a certificate of insurance, which you must keep in your vehicle.

When you register your vehicle, you must provide proof of insurance in the event of an accident or if a police officer requests it. All drivers must carry proof of insurance at all times. Keep your insurance policy up to date and pay your premiums on time. You don’t want to be caught off guard on the road.

Penalties for Driving Without Insurance in Texas

All drivers in Texas are required to have liability insurance. If you are caught driving without insurance, you could face a fine, time in jail, or even the loss of your license.

To regain your driving privileges, you must have insurance and may need to pay an administrative fee.

Liability Insurance in Texas

The rules for liability insurance in Texas are similar to those in most other states. They are, however, often inadequate. Accident limits per person may soon be depleted due to high medical costs. Property damage limits are also often insufficient to cover the average cost of a new car.

In addition, if you only have liability insurance, your vehicle is unprotected. This puts you in jeopardy. Many insurance experts recommend having liability limits of at least 50/100/50, especially if you have valuable assets to protect. You can also increase the security of your vehicle by purchasing property damage coverage.  

Minimum Car Insurance Coverage in Texas

Every state requires drivers to carry a certain amount of liability insurance. Liability insurance is required in Texas to cover damage or injury to others in the event of a car accident. 

Texas residents are required to have liability insurance. That means that if you were in a car accident caused by another party’s negligence, that party’s insurance should be available to cover some of your losses, like property damage to your vehicle or some of your medical costs for related injuries.

But a car accident can have more far-reaching impacts, and drivers are only required to carry coverage up to a certain amount. What are your options when you’ve maxed out the help available through insurance, whether your own or another driver’s?

Speak to a Car Accident Lawyer in Texas

Fortunately, you may be able to file a personal injury claim after your car accident. These claims allow you to seek financial compensation for a wider variety of losses, even including things like emotional trauma. After a wreck, you’re facing serious setbacks, and you shouldn’t be stuck paying for them. That’s where a lawyer from our firm can step in. 

Let’s look at your situation in a free case review and explore your options for filing a car accident claim. Between that and the insurance coverage available to you, you can get back to life as it should be.

Still have questions about how car insurance works in Texas and what your options are after an accident? For more information from The Estes Law Firm, call 281-238-5400 or fill out our contact form.