In many states, including Texas, liability auto insurance is compulsory. It is important to find cheap liability insurance in Texas to ensure that you are covered. Most cars are involved in an accident at one time or another and therefore you should not take chances.
Two kinds of liability vehicle insurance is available: property liability and body liability insurance which pays for bodily harm to the other driver and passengers. Texas drivers are lawfully required to be responsible financially for accidents that they cause. Liability car insurance covers such events. The liability vehicle insurance policy of the responsible party will pay for the repairs or replacement of the other vehicle. This also pays for medical costs of the other driver and passengers.For an insurance policy that repairs and replaces the responsible drivers vehicle, a comprehensive policy is required.
Texas law requires a minimum liability cover amount of $25,000 per person injured or $50,000 for all occupants. Property damage of $25,000 is required for any accidental damages to other cars or public property. Public property could include traffic lights, walls, sidewalks and other objects that could be damaged as a result of an accident. These are the latest figures that were amended on April 1, as prior limits were insufficient to cover the costs incurred in the event of accidents. These limits are due to increase again from January 1, 2011.
Your insurance company should increase the limits when your policy is renewed. These changes generally do not require any action on the part of the policyholder. If action is required, the company should contact the policyholder.
If a driver is caught without liability cover, it will result in a penalty of up to $350 for a first conviction. Fines of up to $1,000 could be instituted against a driver who has had subsequent convictions. Depending on the circumstances surrounding the conviction, your car could be impounded or your licence suspended. With the new Texas Financial Responsibility Verification Program, implemented in Spring 2010 will enable law enforcement officers to verify instantly whether a driver has insurance on the car.
Although liability cover is mandatory, it would be sensible to get comprehensive insurance in addition to liability policy. This will cover your own car too in the event of an accident. Certain states require that you are registered as an uninsured motorist if you do not hold a liability auto insurance policy. Other states require proof of financial responsibility if you opt to not take liability auto insurance. These are just some of the very important reasons why you should invest in cheap liability insurance in Texas.
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