Texas Auto Insurance

It is required that every driver have a minimum amount of Texas auto insurance in order to legally drive. This insurance is known as liability insurance and it covers third parties when you are found at fault for an accident. Liability insurance is broken up into two categories:

Property Damage Liability

This insurance covers all damage that you cause as a result of your driving to third parties, usually their car. It does not cover damages to your car. For that coverage comprehensive and collision insurance are needed. In the state of Texas you are required to have at least$15,000 of property damage liability insurance. You can increase this amount and it is recommended to do so, as any damage over your liability limit will be your responsibility to pay, so you could end up being on the hook for several thousand dollars if you don't have enough coverage and are involved in a major accident!

Bodily Injury Liability

This insurance covers bodily injury and medical expenses for third parties when you are found at fault for an auto accident. It does not cover you injuries however, for that coverage you would need to have some sort of medical coverage. The minimum amount of bodily injury Texas auto insurance is $20,000 per person and $40,000 per accident. Again, it is recommended to increase these minimums as you are financially responsible for any damages over this amount.

Increase your liability amount will raise your Texas auto insurance premiums. To determine the amount of this increase or to find cheap auto insurance in Texas, get an Texas car insurance quote . This will compare all auto insurance companies in Texas and give you the lowest prices.

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