How Does Car Insurance Work in Texas?
The last thing any of us wants to do is purchase car insurance on top of paying monthly car loans and gas costs. However, Texas law requires liability insurance because the driver at fault is responsible for compensating crash victims for property damage and serious bodily injury.
Auto Insurance Minimum Coverage Levels in Texas
All drivers in Texas are required to purchase the minimum car insurance coverage mandated by Texas law. A proof of insurance card is required to be carried at all times in your vehicle. Fines can be imposed if these obligations are not met.
The minimum requirements for auto insurance coverage are as follows:
- $30,000 bodily injury per person
- $60,000 per accident for bodily injury if two or more people are injured
- $25,000 per accident for property damage
Texas Is an At-Fault Insurance State
Texas is NOT a “no fault” insurance state. This means that when a collision occurs, someone will be found at fault and will be held accountable by compensating the occupants of the other vehicle and other victims for injuries or property damage.
Damages that are covered by the at-fault driver’s auto insurance include personal damages such as medical bills and lost income, as well as property damages to repair your car. You can also file a personal injury lawsuit for other losses incurred.
To ensure that you receive fair and full compensation, it is important to have a lawyer from Colley & Colley, LLP help you negotiate with the insurance companies to recover all damages incurred in the accident. Insurers are notorious for taking advantage of accident victims and for offering lowball settlements. Hiring an attorney will ensure that you get the payout you deserve.
Contact a Car Accident Lawyer to Protect Your Rights
If you or a family member has been injured in an auto wreck, contact a car accident lawyer from Colley & Colley, LLP to get you the compensation you deserve for your injuries.
For a free, no-obligation consultation, call us at 1-877-411-2001 or fill out our online contact form below to schedule an appointment. Don’t delay. We do not get paid unless we recover a settlement for you, so there’s no risk involved in finding out what we can do for you.