Texas drivers must fulfill their obligations for auto insurance. Currently, the state of Texas requires liability coverage only. This coverage protects the vehicle owner from specific liabilities after an accident. A local insurance provider helps these drivers secure adequate Auto Insurance in South Austin TX.
Coverage Requirements for Texas
The coverage requirements for insurance begin with up to $30,000 for the first injury. The policy pays a maximum for up to $60,000 for any additional injuries that occurred. The policy provides $25,000 for any property damage that occurs during the accident.
Providing Proof of Insurance
All vehicle owners must provide proof of insurance for each automobile that is registered. They present this proof to the Department of Motor Vehicles for their county. This agency maintains a copy of the insurance card for each vehicle.
If the insurance is canceled, the insurer must notify the DMV. The state of Texas has a data system connected to the DMV that allows them to monitor the policies. The system alerts DMV personnel of any cancellations and generates a notification for the owner. The drivers receives a ten-day period in which they must update their insurance information. Any owners who don’t provide updated proof of insurance are subject to penalties.
Penalties for No Insurance
The first no insurance offense requires a fine of at least $175 with a maximum of $350. Drivers who incur an additional conviction for this insurance violation pay at least $350. The maximum fine for additional offenses is $1,000. These vehicle owners may incur license and registration suspensions. The uninsured vehicle may be impounded as well.
Options for Drivers with Bad Driving Records
Texas drivers have access to a state insurance plan if they are unable to secure a policy. The policies offer personal injury protection and coverage for accident injuries. The policy also provides an increased value for property damage.
Texas drivers fulfill their legal obligations by purchasing liability insurance. The policy covers expenses for the other driver after an accident. It pays if the vehicle owner is identified as at fault by law enforcement. Drivers who need Auto Insurance in South Austin TX may contact Patrick Court at State Farm today.
