How Auto Insurance in Texas Works

When you drive in Texas, you are required to have at least the minimum amounts of coverage that is mandated by the state. It is required that you carry proof of your coverage and that you show it to a law enforcement official when asked. Without the right coverage, you could be given fines and fees. If you need auto insurance in Dallas TX, call us now at D&B Insurance Solutions.

Liability Coverage

There are a few minimum amounts required for liability coverage in the state. These include a set minimum amount for one person who is injured in an accident that is caused by you. There is another, higher, amount of coverage that you must have for everyone who is injured in the accident. In addition, you must have at last the minimum amount required for property damage liability. This pays for the damage done to someone else’s property, whatever that may be, in an accident that is caused by you. All of these amounts are relatively low, however, and it could be a good idea to get coverage beyond the required amounts.

Other Insurance Types

If you want additional coverage for your vehicle, you can get coverage types that pay for the damage done to your own vehicle in a number of different circumstances. Collision coverage is a type that pays for your own property damage in an accident that you caused. Comprehensive insurance pays for a number of things that can happen to your vehicle when it is not being driven. 

Get Auto Coverage

When you need auto insurance for one or more vehicles, don’t go without the required coverage. Give us a call at D&B Insurance Solutions in Dallas, TX to find out more. Staying insured can save you financially as well as making you legal to drive in Texas. 

How Much Texas Auto Insurance Do You Need?

Getting auto insurance in Texas is mandatory, and the state has specific types of coverage, and various amounts, that must be in your auto policy. To make sure that you are driving legally, be sure to get your auto insurance if you haven’t gotten it yet. To get started, give us a call at D&B Insurance Solutions in Dallas, TX.

Automatic Coverage Types

In Texas, there are required coverage types as well as automatic coverage types. The automatic coverage types are automatically put onto your policy when you buy it. They are not specifically required by law, but they are on every Texas policy unless you decide to cancel those types in writing. These policy types include personal injury protection and uninsured motorist coverage. Your personal injury coverage is there to protect you by paying for your medical bills if another driver doesn’t cover them. Uninsured motorist coverage protects you when a driver without insurance, or a hit-and-run driver, causes an accident with you and you have medical bills that result from it. These two coverage types are important for keeping you well-protected, and it’s generally recommended that you leave them in place.

Required Insurance Types

There are two kinds of required insurance coverage with three required amounts. The first is bodily injury liability coverage, and two amounts are needed for this. One is an amount for one person who is injured when you cause an accident, and the second is an amount for all of the injured people when you cause an accident. There is also property liability coverage required. This pays for a third party’s property damage after you cause an accident. 

Get Auto Insurance Coverage

If you don’t have the required auto coverage, you aren’t driving legally. Get legal by calling us at D&B Insurance Solutions in Dallas, TX.