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.