Insurance Professional

Texas is considered a tort state, which means that drivers bear financial responsibility for any damage and injury they cause in an accident. Most drivers fulfil this responsibility by purchasing Texas auto insurance. Texas auto liability minimums are 20/40/15. (That's $20,000 per person for injuries you cause to the other party, up to $40,000 for all, and $15,000 for damage you cause to the other party's property.) However, insurance experts recommend carrying higher levels of coverage. In addition to required liability coverage, Texas drivers may choose to purchase coverage for some "first party benefits". These include compensation for medical expenses, loss of income, and loss of services. These benefits apply to every accident regardless of fault. Uninsured and underinsured motorist policies also cover your expenses, but these apply in the event that you are struck by a driver with inadequate liability insurance. These policies are not required, but they're relatively inexpensive, and can provide a lot of protection. Texas auto insurance companies will also offer optional policies such as collision and comprehensive coverage. Click below to find cheap Texas Auto Insurance Quote.

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