Carrying Auto Insurance in Texas

In Texas, every driver must have auto insurance and carry proof of that insurance. If you are asked to show it, you must comply, or you may be given serious penalties. Auto insurance in the state comes with both required auto coverage that every policy must have and automatic coverages that all policies come with. If you don’t have the auto insurance that you need in Texas, call us now at D&B Insurance Solutions in Dallas, TX. 

Required Liability Auto Coverage

There are different coverages required under the umbrella of liability coverage. There is a set minimum amount that you must have in bodily injury liability for just one person injured in an accident that was caused by you. There is a different, higher set minimum that is for everyone who is injured. There is also an amount required for the property damage done to someone else’s property that was caused by an accident you caused. All Texas auto insurance policies must have all three of these amounts in them.

Automatic Auto Coverage

In Texas, there are also automatic coverages that come with every policy, but these coverages are not actually required by law. Though they do come with your policy, you can opt-out of them by notifying the company in writing that you want to remove them. These include uninsured motorist coverage as well as personal injury protection. Uninsured motorist coverage can protect you when you are the victim of a hit-and-run or when you are hit by someone who has broken the law and has no insurance. Personal injury protection protects you when someone else’s insurance does not pay for your medical bills after an accident. 

Get Protected With Auto Insurance

When you don’t have the right auto insurance, you can face a lot of fines and other penalties from the state. If you need auto insurance, call us now at D&B Insurance Solutions in Dallas, TX.

How Much Car Insurance Do You Need?

When you drive in Texas, you need a number of different auto coverage types in order to be well-protected against accidents and the bills they can generate. There are a few types that are required by the state, and there are others that aren’t required but that offer good protection in case of an accident. If you need auto insurance in the state, give us a call at D&B Insurance Solutions in Dallas, TX.

Required Insurance Types

In Texas, both property damage liability and bodily injury liability are required by the state. Both of these coverages come with their own minimum amounts. These amounts are relatively low, and it can be helpful to get more coverage than the state requires. For property damage liability requirements, there is a set minimum amount that is set by the state. For bodily injury liability, there are two amounts required. The first is a set minimum amount for one person who is injured. The second amount is a set minimum for two or more people who were injured and have medical bills. 

Automatic Auto Insurance Coverage

While those two types of coverage are mandated by the state, there are two other types of coverage that will appear on your auto policy, but they aren’t required by law. These two coverage types appear automatically on your auto policy, but you don’t have to keep them. While it’s recommended that you leave them on your insurance, you can ask in writing that they be canceled, and they will be. 

These types of coverage are uninsured motorist coverage and personal injury protection. Uninsured motorist is exactly what it sounds like- it can pay your medical bills if the person who caused the accident doesn’t have insurance. Personal injury protection pays for your medical bills when the other person’s insurance doesn’t. 

Get the Insurance You Need

Call us at D&B Insurance Solutions in Dallas, TX to get the insurance that you need to stay legal in Texas.