Texas Liability Insurance Card

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Driving in Texas can be stressful, especially when you are not sure of the requirements for car insurance. However, with a liability insurance card, you can rest easy knowing that you have the minimum coverage required by law. In this article, we will explore everything you need to know about the Texas liability insurance card.

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What is a Texas Liability Insurance Card?

A Texas liability insurance card is proof of insurance that all drivers must carry while operating a motor vehicle in Texas. The card contains information about the policyholder and the minimum coverage required by the state of Texas. It is important to note that liability insurance only covers damages or injuries to other parties involved in an accident and does not cover the policyholder’s damages or injuries.

What Information is Listed on a Texas Liability Insurance Card?

A Texas liability insurance card typically includes the following information:

Policyholder’s name
Policy number
Effective date of coverage
Expiration date of coverage
Insurance company name
Insurance company contact information
Vehicle make and model
Vehicle identification number (VIN)

It is important to ensure that all information on the card is accurate and up-to-date. If any information is incorrect, the card may not be considered valid.

How Do I Obtain a Texas Liability Insurance Card?

To obtain a Texas liability insurance card, you must purchase a liability insurance policy from a licensed insurance company in the state of Texas. Once you have purchased the policy, the insurance company will provide you with a liability insurance card as proof of coverage. You must carry this card with you at all times while driving.

What Happens if I am Pulled Over and Don’t Have a Texas Liability Insurance Card?

If you are pulled over and do not have a Texas liability insurance card, you may be fined up to $350 for a first offense. Subsequent offenses may result in higher fines, suspension of your driver’s license, and impounding of your vehicle.

How Does Liability Insurance Work?

Liability insurance covers damages or injuries that you may cause to other parties involved in an accident. The amount of coverage required by law varies by state, but in Texas, drivers must have at least the following coverage:

Bodily injury liability coverage: $30,000 per person and $60,000 per accident Property damage liability coverage: $25,000 per accident

If you are involved in an accident and are found to be at fault, your liability insurance will cover the damages and injuries to the other parties involved in the accident, up to the policy limits. If the damages or injuries exceed the policy limits, you may be held personally liable for the remaining amount.

What is the Difference Between Liability Insurance and Full Coverage Insurance?

Liability insurance only covers damages or injuries to other parties involved in an accident, while full coverage insurance also covers damages to your own vehicle and injuries to yourself. Full coverage insurance typically includes collision coverage, comprehensive coverage, and personal injury protection (PIP).

Do I Need Liability Insurance if I Have Full Coverage Insurance?

Yes, you still need liability insurance if you have full coverage insurance. Liability insurance is required by law in Texas and covers damages or injuries that you may cause to other parties involved in an accident. Full coverage insurance only covers damages to your own vehicle and injuries to yourself.

Conclusion

Having a Texas liability insurance card is essential for all drivers in the state. It provides proof of insurance and ensures that you are meeting the minimum coverage requirements set by law. Remember to carry your card with you at all times while driving, and make sure all information on the card is accurate and up-to-date. Drive safely!

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