How Much Auto Insurance Do You Need in Texas?

Like other states, Texas mandates the type of auto insurance coverage that drivers must have. It’s required that you have at least the minimum amount of coverage required and that you always carry proof of this coverage. There are stiff penalties for drivers who don’t have the required insurance coverage. If you don’t have the auto insurance you need, give us a call today at D&B Insurance Solutions in Dallas TX.

Required Liability Coverage

There are two types of liability coverage that are required and three amounts that must be included. The first is for bodily injury liability for one person who is injured in an accident that you are the cause of. The second is a separate amount mandated for everyone who is injured in an accident Kath you are the cause of. The third requirement is a minimum amount for property damage liability. This pays for the damage done to someone else’s property in an accident that you caused. 

Automatic Coverage

The liability coverages that are required are technically the only types that are mandated by the state. However, in Texas, there are also two types of automatic coverage. These two coverage types are automatically added to your auto insurance, and you have to go through a few steps to get them taken off if you don’t want them. These coverages include personal injury protection and uninsured motorist. Personal injury protection pays for the medical bills that you and your passengers have if the other motorist does not pay for those expenses. An uninsured motorist policy protects you in case an accident is caused by a motorist without insurance. Both of these insurance types are useful, and both keep you better protected than only keeping the mandatory coverage types. 

Get Insured

If you don’t have the auto insurance you need, don’t wait to call us at D&B Insurance Solutions in Dallas, TX.

Auto Insurance Requirements in Texas

If you are a driver in Texas, there are certain types of insurance that you are required to have to prove that you can be financially responsible for an accident. There are two different types of auto coverage that Texas drivers need to have in their auto insurance. If you need auto insurance, call us at D&B Insurance Solutions in Dallas, TX to find out more. 

Bodily Injury Coverage

This form of liability coverage covers other people who are injured in an accident that you caused. This coverage must include at least a set minimum amount of coverage for one person who is injured in the accident. Then, you must have at least a different minimum amount for everyone in the accident who was injured. This coverage doesn’t cover you for any injuries that you may have. And, the state has relatively low amounts of bodily injury liability required, so it’s often recommended that you get more than is required by the state. 

Property Damage Coverage

Texas drivers must have at least a set minimum amount for property damage that happens as a result of an accident that you cause. This does not pay for your own property damage. There is other coverage that you can get that would pay for that damage, though it is not required. The property damage liability amount required, as the bodily injury coverage, is too low for many serious accidents. It’s a good idea to get more than is required. 

Optional Coverage

Getting collision coverage would pay for the damages done to your own vehicle in an accident that you caused. Getting comprehensive insurance covers your vehicle for a number of risks that can occur when you aren’t driving it. 

Get Covered

If you need auto coverage in Dallas, TX, give us a call at D&B Insurance Solutions.