In Texas, all drivers who have a vehicle registered in the state are required to purchase automobile insurance coverage. The state is specific about the level of coverage that is needed initially. Any driver who doesn’t comply with this law is guilty of driving without insurance coverage. The following is information about the legal requirements for Car Insurance in Austin TX.
What are the Standard Liability Requirements?
All liability policies must provide no less than $30,000 for each person involved in the accident. The maximum for this coverage for the entire accident is $60,000. This same policy must provide at least $25,000 for any property damage sustained during the accident. This coverage is applied to automobiles as well as any residential or commercial property that was damaged as a result of the accident.
What is Personal Injury Protection?
Personal injury protection is a policy that provides payments for medical treatment for the owner of the vehicle. Currently, the state requires no less than $2,500 in personal injury protection for all drivers. This policy is a safety net to ensure that the owner has access to funds for treatment. It assists with these needs in the event that the at-fault driver doesn’t have insurance coverage.
Uninsured Motorist Coverage
All drivers must acquire no less than $30,000 in underinsured motorist bodily injury coverage. This minimum is applied to any uninsured driver who wasn’t at fault in the accident. The maximum for this coverage is $60,000. Additionally, the policy must provide property damage for these uninsured motorists. This coverage must reflect a minimum of $25,000. The deductible is $250 typically.
What Happens if the Driver Doesn’t have Coverage?
The state of Texas will suspend the driver’s license. They may also impound the vehicle. The state will also apply criminal and administrative penalties for these drivers.
In Texas, all drivers must obey all insurance laws as designated by the state. This includes the above-mentioned policies that are the state’s minimums. The drivers could in some cases face jail time based on the total number of no insurance convictions they have received. Auto owners who need to review Car Insurance in Austin TX can Click Here for a free quote today.
