Texas Laws

In the state of Texas, insurance coverage is mandatory. You must carry the minimum amounts of liability insurance on every car that you own.

The minimum liability coverage required by Texas Law is $30,000 for bodily injury or death to one person per accident, $60,000 for bodily injury or death to two or more persons per accident, and $25,000 for damage or destruction to other property in an accident.

Texas drivers also have the option of posting a financial bond to become self-insured rather than purchase auto insurance.

Proof of insurance must be carried in the vehicle at all times.TexasSure is aprogram that was initiated by the Department of Motor Vehicles and Texas Department of Insurance as an insurance verification program. It is designed to reduce the number of uninsured drivers and cut costs for responsible Texans.Anyone found to be driving a registered vehicle without proper insurance will be subject to fines and/or license suspension. [ more info on TexasSure ]

Texas adopts a modifiedcomparative policy, fault at 51% .Which means that if the insurancecompany finds you at fault for 51% or more of the accident, you will not recover damages for your injuries.

Length of time to file a claimfor your auto accident is up to 2 years following the accident. You have up to 5 years for property damage.

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