Description: If you are new in Texas, or just wanted to buy the car for the first time, then it become really important for you to know about the car insurance laws in Texas. If you do not learn these laws then you may have to suffer with certain penalties and punishments.
Body: The laws that governed the state traffic and auto insurance are pretty much straight forward so you do not have to worry a lot. They are almost the same is in other parts of United States of America. So if you want to save yourself from a heavy fine then you have to learn these laws. There are minimum limit if insurance liability set by the state authorities that every citizen have to follow. According to these laws the drivers has to carry liability insurance for their vehicle. The Texas transportation department has set some procedures and standards that you as a driver have to follow. For example the liability insurance requirements for Texas states that if an accident occurs and someone gets an injury then at least $20,000 to each person who is injured in case of body injury. And in case if you have damaged someone`s property then you have to pay $15,000 for each accident.
So according to this if you are a part of an accident and you are also at fault then your auto insurance in Texas Company has to pay for the damages according to the Texas laws. They can pay for the damages to the injured as well as the property like some vehicle etc. But these above stated figures are just the minimum amount set so if you want to have higher coverage then you also have to take the higher package. This is important because if you have taken the minimum coverage from the car insurance in Texas then you have to clear the above damages from your own pocket. Like if you have done a damage of about $30,000 then you have to pay $15,000 as damage from your own pocket as the insurance company will only cover $15,000.
The other thing that is important for you to know as a new Texas resident is that you have to submit the proof of that insurance when asked by the police if they checked you randomly on the roads. They can ask you to show your insurance proof and if you have failed to show that then they will give you ticket. The other disadvantage of not having car insurance in Texas is that then you will not be able to take the driving license or renew it without showing the insurance proof. This law is placed because this way the authorities can ensure that you do not have an insurance policy for some specific time and then cancel it after your requirement. If you are looking for the different auto insurance quotes in your area then you can find it here by putting the ZIP code of your area on the top of this page. Here you can also compare these quotes and then select the best one according to your requirements.
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