Auto Liability Insurance

Auto insurance is a critical component of car ownership, and understanding the requirements in your state is essential. Texas has auto insurance regulations that include auto liability insurance.

Understanding Auto Liability Insurance

Auto liability insurance is designed to protect you financially after an accident that causes injury or property damage to others. It may help cover third-party medical expenses, vehicle repair costs and other damages.

Texas Auto Insurance Requirements

Texas law requires drivers to carry a minimum level of auto liability insurance coverage. The minimum requirements for auto liability insurance in Texas are as follows:

• Bodily injury liability coverage per person—This limit may help cover the medical expenses and related costs for each person injured in an accident for which you are at fault.
• Bodily injury liability coverage per accident—This limit represents the total coverage available for all bodily injury claims resulting from an accident you caused.
• Property damage liability coverage—This policy may help pay for property damage, including damage to other vehicles, buildings and objects, you cause in an accident.

Your agent may recommend purchasing more than the state’s required minimum auto liability insurance to help provide appropriate financial protection for your situation.

Comprehensive and collision auto insurance are optional in Texas, but your lienholder may impose insurance requirements if you finance or lease your vehicle.

Uninsured/underinsured Motorist Coverage

Texas law also requires insurers to offer uninsured/underinsured motorist (UM/UIM) coverage to policyholders. UM/UIM coverage protects you in case you’re involved in an accident with a driver who either has no insurance or insufficient coverage to cover your damages. While not mandatory to purchase, it’s a valuable option to consider.

Choosing the Right Coverage

When selecting auto liability insurance in Texas, it’s crucial to evaluate your needs and consider factors such as your assets, driving habits and budget. While meeting the state’s minimum requirements is a legal obligation, protecting yourself adequately is critical.

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Understanding the state’s minimum requirements and considering additional coverage can help you protect your financial well-being and ensure you’re prepared for unexpected accidents on the road. Choosing the right coverage is an investment in your peace of mind and the safety of others on the Texas roadways.

Contact Multiservices By Veronica Moreno in Houston, Texas, to learn more about how auto liability insurance can help provide financial protection. Our agents can help you compare auto insurance quotes from reputable insurers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.