Description: If you are a permanent resident here in Texas or you are living as a visitor, it is necessary for you to understand Texas car insurance laws or in more legal terms Texas financial responsibility law.
If you own an automobile then it is necessary for you to understand and follow the basic laws of driving including the laws pertaining car insurance in Texas. You may be an excellent driver but you still cannot ignore the possibility of an accident. No matters it is your mistake or the other party’s mistake but it is for sure that you will suffer with property loss or medical injuries. It means that one or the other way, you are the primary sufferer in case of an accident. Now you must be thinking that how you can hedge such prospective, sudden and unforeseen losses? The best way to hedge such problems is auto insurance in Texas.
According to Texas accidental laws, you are the liable to pay the expenses of sufferer due to your fault. It means that if you have done a mistake due to which an accident has occurred then you are responsible to bear all the replacement and repair charges as well as the medical expenses. But if you own coupé liability insurance policy then you are not supposed to pay any such expense as the concerned insurance company will bear every expense. According to Texas financial responsibility law, you are allowed to take a minimum of insurance liability of $30,000 for every injured person that accounts to be $60000 for an accident. Moreover you are liable to pay property damages and the minimum defined limit is $25000. These are just the minimum liabilities imposed by government but it is good for you to purchase more than these basic limits to protect you own pocket.
What are your responsibilities according to the financial responsibility act? As you have purchased car insurance in Texas and understand the driving laws so you are responsible to always keep a copy of insurance proof. You are liable to show that copy if you are asked by any police officer or you have faced an accident. Moreover you need this copy for renewal of your automobile registration, your new driving license or license renewal and during the inspection of your car. But if you could not adhere to the financial responsibility law then you are liable to pay and bear some penalties. You can see the annexure of such penalties in the financial responsibility law. Moreover it is also necessary that you should know your rights that are defined according to the Consumer Bill of rights in accordance with the auto insurance. Your selected insurance company is liable to send one copy of this policy to you via mail. There are many insurance companies operating in the areas of Texas and it will not be difficult for you to search a Texas cheap car insurance policy. Good luck!
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