In Texas, all drivers must comply with state and federal auto insurance laws. These laws are in place to reduce the economic impact of an automobile accident. Insurance requirements are also intended to reduce the probability of a lawsuit. Auto Insurance in South Austin TX is available through local agencies for all licensed drivers.
Minimum Coverage Requirements
The minimum liability coverage requires a starting value of $30,000. This value covers the medical expense required for a one-victim accident. The maximum value of $60,000 pays for the total accident if there are additional victims. The policy must also provide $25,000 for property damage.
What Penalties are Applied for No Insurance Coverage?
The first no-insurance offense incurs a fine between $175 and $350. Any subsequent offenses incur a fine between $350 and $1,000. All offenses beyond the first offense incur suspensions for the driver’s license and vehicle registration. The vehicle is also impounded under state laws. Any individuals who drive during their license suspension face a $2,000 fine and up to 180 days in county lockup. If they cause an accident on suspension they face a $4,000 fine and a one-year jail sentence.
When are Owners Required to Provide Proof of Insurance
Proof of insurance coverage is required during any traffic stop. This includes checkpoints set up by law enforcement. Equally, the driver must provide evidence of proof when registering a new automobile or renewing their vehicle tag. The Department of Motor Vehicles maintains a copy of the policy on the driver’s file. Their computer issues a non-compliance order at any time that a cancellation or expiration of policy occurs.
Beneficial Policy Additions
Drivers may choose additional coverage for their vehicle beyond liability. Collision and uninsured motorist insurance provides an extension of coverage for liability policyholders. Comprehensive is the highest coverage level available.
In Texas, all drivers are required by law to maintain liability auto coverage. These laws require medical benefits and auto repair options through these policies. Currently, the state requires policies that reflect the 30-60-25 insurance requirements. Any driver who need to buy Auto Insurance in South Austin TX should contact Patrick Court at State Farm right now for more details.
