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OUT OF STATE COVERAGE

When the policy applies to the operation of a motor vehicle outside of your state, and the limits are higher in that state, your insurance will increase your limits to the extent of the limits required by the local law. As long as you possess those coverages in your own policy. For example, if you live in a state that requires PIP and the state you are driving in requires bodily injury, than your insurance will not provide bodily injury since you have not purchased this coverage.You must purchase bodily injury protection to have this coverage. If your PIP is $10,000/$20,000 and the state in which you are driving has a limit of $15,000/$30,000 than your limit will be increased to meet the higher limits required for that particular state.

No-fault insurance is sold in Delaware, Florida, Hawaii, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Texas, Utah, and Washington. Other jurisdictions except Pennsylvania and the District of Columbia have traditional tort systems. Pennsylvania and DC have hybrid insurance systems.

Texas Car Insurance Laws


 

The minimum amount of liability insurance required in Texas is as follows:
$30,000/$60,000 for bodily Injury
$25,000 for property damage

 

Texas state sealAutomobile liability insurance is generally defined as coverage for bodily injury you cause to another person or for property damage you cause to another person’s property through negligent use of your vehicle. In Texas you are required to carry $30,000/$60,000 in bodily injury protection and $25,000 in property damage.

Be aware that the liability coverage required by law covers only damage the policy holder does to others. To pay for damages to your car, you will need to purchase collision insurance or comprehensive insurance for damage to your vehicle from other causes.
Uninsured/Under insured Motorist Coverage is not mandatory in the state of Texas. Drivers have the right to waive this coverage, but it is highly recommended that you carry it.
Texas is governed by a Tort System. If you are involved in an accident, someone must be held liable for the cause of the accident. The person at fault is generally responsible for all damages. Compensation for claims is the responsibility of the person found to be at fault. Being that Texas is a Tort state, it is usually recommend that driver’s consider carrying greater limits than just the state minimums requirements.

There are penalties for breaking the state’s financial responsibility law. A first conviction will result in a fine between $175 and $350. Additional convictions could result in fines of $350 to $1,000, suspension of your driver’s license, and impoundment of your car.

When you get  auto insurance, your insurance company will send you a proof-of-insurance card. You will need this card to prove that you have insurance when you

  • are asked for it by a law enforcement officer
  • have an accident
  • register your car or renew its registration
  • get or renew your driver’s license
  • get your car inspected.



You should be aware that in a competitive insurance market insurance companies charge different rates for essentially the same coverage. Shopping around may result in savings to you on your automobile policy. Be sure to take into consideration the services provided by the company.