February 1st, 2009 | by admin |
by Jeff Cline
Most States have laws regarding car insurance. The State of Texas says you must have car insurance to even get a car registered to your name. If you go without you still have to pay for damages incurred in an accident. In addition you could be fined or even get your driving privleges suspended. It is just not worth the cost!
Every State sets limitations on what type of coverage is a minimum. But it must pay for damage to property and medical. Texas law states a driver must carry at least 25/50/25 in liability coverage.
Basically, the limits somewhat protect your pocket book and the person that incurred the damages up to $25000 for bodily injury or death, $50000 for two people. They also require $50000 to protect damages done to property such as the other vehicle. They do not require Comprehensive coverage to protect oneself.
If you are found at fault the States minimum may not be enough. If the cost of damages are more than you have coverage for you are still responsible to pay. This is why many insurance companies recommend higher limits to eliminate this possibility for your protection.
You have the choose not to or to add comprehensive coverage to protect yourself in an at fault accident. If you have a lien holder that shares and interest in your vehicle, they may require you to carry comprehensive. So even though the State does not require it it is recommended.
In the State of Texas penalties for not having insurance are hefty. In some counties you could have your vehicle towed, costing you even more. Fines can be as high as $350. You can expect those fines to double or triple for multiple offenses. Strike 3 could mean a license suspension.
The State of Texas has cracked down hard on uninsured motorist, making them pay a price just to keep their license. They have what is called a surcharge that a violator must pay for up to 3 years after the violation. The “surcharge” is very costly.
It is important to maintain auto insurance. For many reason. The ones listed, plus they fact that violations increase your insurance premiums, just making it more expensive to maintain coverage. It is such a waste of your hard earned money.
About the Author:
Call your friendly Agent Jeffrey Cline for your
Auto Insurance needs. He is a leader in the
Family Health Insurance industry as well. Call his office, day or night. He is here anytime to assist you in meeting your needs and budget. His toll free number is 866-526-9669
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Tags: auto insurance, car insurance, Insurance, liability insurance