Drivers in Texas, are you insured yet?
By Texas law, do you know it’s necessary to establish financial responsibility for your vehicle before you should bring it out on the roads?
State Auto Insurance Requirements
The state of Texas requires that all drivers carry a 25/50/25 policy, effective from 1 April 2008. By legislation, the minimum coverage amount is $25,000 for each injured person, up to a total of $50,000 per accident, and $25,000 for property damage. This limit will increase again on 1 January 2011, to $30,000 for each injured person, up to a total of $60,000 per accident, and $25,000 for property damage per accident.
Adequate auto insurance coverage is required as drivers must be financially capable to pay any medical repairs needed by the other party involved in an accident when the accident is caused by the driver.
Though drivers can abide by the minimum guidelines of the 25/50/25 policy, the rising costs of medical bills and repairs often exceed this amount. That is why all motorists are also highly recommended to purchase additional coverage greater than that which is required as well as Comprehensive and Collision coverage to cover damages to their own vehicle too in an accident which they are at fault.
Explore Your Options
Do you usually go with the first company you find when buying auto insurance policies? This is one of the biggest mistakes most consumers make! A wiser way to finding more value-for-money auto insurance is to at least shop around and explore your options. Compare quotes from different companies before deciding which insurance policy is best for you.
How We Can Help
You may feel that getting quotes from a few insurers can be quite a chore as you will have to make the time to call them or visit their representatives. This is why we offer this under-one-roof auto insurance quote service, where all you need to do is to fill in a simple questionnaire to get your free quotes online!
What Information Do We Need?
The questions that you have to answer in the questionnaire will not require your personal information, like your social security number or driver’s license number. In general, the insurer needs to at least know something regarding the Texas driver (age, address, gender, etc), the vehicle insured (year, make, model, etc), and the type of coverage required. These information is necessary to help the insurer determine how much the quotes will be, so always answer them honestly and correctly.
Drivers Alert
Driving without proper auto insurance coverage is a serious violation of the state’s financial responsibility law, so don’t play with the rules. If a driver is found without an adequate policy, the consequences can be as harsh as suspension of the driver’s license and impoundment of his vehicle.
If you think you can get away with it once or twice, it’s best not to take the risk. The State of Texas has implemented a new TexasSure program that allows law enforcement officers and designated state users to immediately verify whether a person has auto insurance. An estimated 15-20% of all Texas vehicles are uninsured at any given time and the goal of the program is to reduce the number of uninsured motorists.
So, get insured now, Texas! Whether you are getting your first auto insurance policy or are looking at a renewal, remember to shop around and compare quotes before signing on the dotted line. Let us assist you in finding the most affordable and comprehensive auto insurance policy today.
