Before you go about shopping for an auto insurance policy in Texas and comparing rate quotes, it is vital that you understand how auto insurance works in the state of Texas and the minimum requirements and coverage that you need to have on your auto policy.
If you wish to drive car in Texas the state law requires a minimum Bodily Injury Liability of $ 25,000 per person injured and a total of $ 50,000 per accident, and the minimum set for any property damage from an accident is set at $ 25,000 (25/50 / 25).
The Texas Tort System
If you are driving in the state of Texas and carry auto insurance, you must know that the state uses what is called a Tort system. What this means for you as a driver is that in the unfortunate event of a automobile accident, the state demands that someone must be found at fault, and the insurance provider for the driver at fault will be completely responsible for all damages incurred from the accident
Uninsured / Underinsured Motorist Bodily Injury Coverage
It is not a requirement by state law to carry Uninsured / Underinsured Motorist Bodily Injury coverage which is what covers injury to a person caused by a motorist in Texas who is not insured or does not have enough coverage, but it is still something that you should discuss with your local insurance agent in Texas to give you the most protection while driving.
These are two important things you need to consider before you go out and compare auto insurance quotes in the Lone Star State. You should always make sure that you have adequate coverage even if you do not think you need it'd better to be safe then to wind up in an accident and be underinsured which can wind up costing you a fortune in litigation.
Source by Anthony De Luca
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