Auto Insurance Needs in Texas

Every driver in Texas needs to have legally mandated auto insurance in order to follow the law and have what they need to stay protected. It’s important to stay legal so that you can avoid the fines, fees, and other penalties that can stem from not having the auto insurance you need in the state. If you don’t have auto insurance yet, call us today at D&B Insurance Solutions in Dallas, TX.

The Liability Coverage You Need

In the state of Texas, there are two types of liability coverage that you must have to stay legal. There are two amounts of bodily injury liability coverage that you have to have. One of these is at least the minimum amount of coverage for one person’s medical bills after they are injured in an accident that was your fault. The other amount is a higher amount that is for covering the medical bills of everyone who was injured in the accident. The last type of liability protection you need is property damage liability. This is required with a minimum amount of coverage that will pay for property that is damaged in an accident. This coverage pays for someone else’s property, however, and not yours. 

Other Coverage in Texas

Texas has an unusual policy of mandating that two other coverage types must be included on your auto policy, although neither of these is actually required by law. This is done by including them on every policy and allowing drivers to opt out in writing if they don’t want these two coverage types. One of them is personal injury protection. This pays for your own medical bills, or those of your passengers when you are in an accident and another person’s insurance doesn’t pay for them. The other type is uninsured motorist coverage. This pays for your medical bills if the person who causes the accident doesn’t carry any insurance. 

Call Us Today

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

Mandatory Auto Insurance in Texas

In Texas, every driver must have auto insurance to stay legal on the roads. There are minimum coverage amounts that every auto insurance policy in the state must have as well as automatic coverage types that get included with Texas policies. There are stiff penalties for drivers who can’t provide proof of insurance when asked to do so. If you are in Texas and need auto insurance, call us today at D&B Insurance Solutions in Dallas, TX. 

Bodily Injury and Property Damage

There are two types of liability coverage that every Texan must have in their policy. These encompass three different minimum amounts of coverage. There is a set minimum amount for personal injury liability for when one person is injured in an accident in which you are at fault. There is a second amount required for all of the people who were injured in an accident in which you are at fault. There is also a minimum amount for property liability to pay for damage to a vehicle or other property that happens in an accident that you are at fault for. 

Other Insurance Types

In addition to these amounts, there are also two types of insurance that are automatic coverage types. They are not required by state law, but every policy in the state of Texas comes with these two coverage types. To get them removed, there is a process if you choose to do so. However, they each represent a good type of coverage that will keep you well-protected. One type is personal injury protection. This pays for injuries to you and your passengers when the amount isn’t paid for by another driver’s insurance. The other type is for uninsured motorists. This pays for medical bills from accidents in which the at-fault driver had no insurance or accidents that are hit-and-runs.

Get Your Auto Coverage

When you want to drive in Texas, make sure that you have legal coverage for the state. Give us a call at D&B Insurance Solutions in Dallas, TX.