TX Car Insurance 101: What You Need to Know

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If you own a car in Texas, you are required by law to carry car insurance. But with so many options and providers, it can be overwhelming to navigate the world of car insurance. In this guide, we’ll break down everything you need to know about TX car insurance, from the legal requirements to the different types of coverage available.

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The Basics: Legal Requirements for TX Car Insurance

Before we dive into the different types of coverage, let’s first review what is legally required for car insurance in Texas. According to the Texas Department of Insurance (TDI), all drivers must carry at least the following minimum coverage:

Coverage Type
Minimum Amount Required
Bodily Injury Liability
$30,000 per person / $60,000 per accident
Property Damage Liability
$25,000 per accident
Personal Injury Protection (PIP)
Optional, but recommended

Bodily injury liability coverage helps pay for any injuries you cause to another person in an accident, while property damage liability coverage helps pay for any damage you cause to someone else’s property. Personal injury protection (PIP) coverage, on the other hand, helps pay for medical expenses and lost wages for you and your passengers if you are injured in an accident, regardless of who is at fault.

It’s important to note that these are minimum coverage amounts, and you may want to consider purchasing additional coverage for added protection. Let’s explore some of the different types of coverage available.

Types of TX Car Insurance Coverage

Collision Coverage

Collision coverage helps pay for any damage to your own vehicle in the event of an accident, regardless of who is at fault. This coverage is particularly important if you have a newer or more expensive car. However, keep in mind that collision coverage typically comes with a deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in.

Comprehensive Coverage

Comprehensive coverage helps pay for any damage to your car that is not the result of a collision, such as theft, vandalism, or weather-related damage. Like collision coverage, comprehensive coverage typically comes with a deductible.

Uninsured / Underinsured Motorist Coverage

Uninsured / underinsured motorist coverage helps protect you if you are in an accident with a driver who does not have insurance, or who does not have enough insurance to cover the costs of the accident. This coverage can help pay for medical expenses and property damage, and is particularly important in Texas, which has one of the highest rates of uninsured drivers in the country.

Roadside Assistance Coverage

Roadside assistance coverage helps pay for emergency services if your car breaks down or you get a flat tire. This coverage can include services like towing, fuel delivery, and jump-starts. While it’s not required, it can provide peace of mind on long road trips or for those who frequently drive in remote areas.

Frequently Asked Questions

Is TX car insurance expensive?

The cost of car insurance in Texas can vary widely depending on factors like your age, driving history, and the type of car you drive. However, according to the TDI, the average cost of car insurance in Texas is around $1,300 per year.

Can I get car insurance if I have a bad driving record?

Yes, you can still get car insurance with a bad driving record, but you may have to pay higher premiums. You may also be required to carry additional coverage, such as SR-22 insurance, which is a certification of financial responsibility that is required by the state of Texas for certain high-risk drivers.

What should I do if I’m in a car accident?

If you’re in a car accident, the first thing you should do is make sure everyone is safe and call 911 if anyone is injured. You should also exchange insurance and contact information with the other driver. Once you’re safe, you should contact your insurance company to report the accident and begin the claims process.

How can I save money on car insurance?

There are several ways to save money on car insurance in Texas, including:

  • Comparison shopping to find the best rates
  • Choosing a higher deductible
  • Taking advantage of discounts, such as safe driver discounts or multi-car discounts
  • Maintaining a good credit score

Final Thoughts

Car insurance is a necessary expense for any driver in Texas, but it’s important to choose the right coverage for your needs and budget. By understanding the legal requirements and exploring the different types of coverage available, you can make an informed decision about your car insurance and protect yourself and your car on the road.

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