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Texas is considered
a tort state, which means that drivers bear financial responsibility
for any damage and injury they cause in an accident. Most drivers
fulfil this responsibility by purchasing Texas auto insurance.
Texas auto liability minimums are 20/40/15. (That's $20,000 per
person for injuries you cause to the other party, up to $40,000 for
all, and $15,000 for damage you cause to the other party's
property.) However, insurance experts recommend carrying higher
levels of coverage.
In addition to required liability coverage, Texas drivers may choose
to purchase coverage for some "first party benefits".
These include compensation for medical expenses, loss of income, and
loss of services. These benefits apply to every accident regardless
of fault. Uninsured and underinsured motorist policies also
cover your expenses, but these apply in the event that you are
struck by a driver with inadequate liability insurance. These
policies are not required, but they're relatively inexpensive, and
can provide a lot of protection. Texas auto insurance companies will
also offer optional policies such as collision and comprehensive
coverage. Click below to find cheap Texas Auto
Insurance Quote. |
