Insurance In Texas

ticAs with every US state, Texas has its own laws about driving and insurance. Here is an article by Stephanie Bentley about this topic.

Why Drivers in Texas Need Auto Insurance

As most of us know; In Texas, the law states that a person may not operate a motor vehicle unless financial responsibility is established for that vehicle. This can be established by purchasing an auto liability policy, which will cover other drivers during an at-fault accident. This willpay to repair or replace the other driver's car and/or pay for their medical expenses in the event of an accident. In addition to liability insurance required by law, there are other coverage's available for purchase: collision and comprehensive; medical payments; personal injury protection; uninsured/underinsured motorist; towing and labor; and rental reimbursement. Because the price of cars as well as how expensive medical care is the minimum amounts may not be quite enough to pay all of another driver's expenses, if you were to get into an accident. It is wise to consider purchasing more than just liability in case you are to find yourself in this unfortunate event.Once you decide what coverages are best suited for you, then you are ready to sign up for an insurance policy. Remember, your insurance company must send you a copy with your policy. It's very important to read over your policy and documents so you understand your rights and responsibilities under Texas law.

In Texas, 1 out of every 5 vehicles is uninsured. Today, getting away without having auto liability insurance is hard to do. Did you know there is a vehicle insurance verification system that law enforcement officials and tax assessor collectors can access at any time to check if your vehicle is insured?

That's right. This system is known as TexasSure. It was created in order to reduce the number of uninsured motorists. Thus, eliminating a route that some choose by signing up for a policy and then immediately cancelling that policy after receiving their proof of insurance card. That being said, it is crucial to have auto liability insurance in order to avoid that annoying, and very expensive $350 uninsured motorist ticket; as well as any other fees assessed. If you are caught without liability insurance again, a second time offense could cost you up to a $1000 fine, as well as a 2 year driver license suspension. So make sure you are insured, so you don't have to be inconvenienced with these consequences.

Finding this insurance isn't always the easiest thing to do. The rates for liability insurance vary, so it can be hard to know where to start with all of the existing insurance companies, to get the best rates and required coverage in Austin, TX. Everyone wants to find affordable auto insurance without having to do a lot of shopping around and with a company that they can count on.

EZ Auto Insurance in Austin, TX offers this required auto insurance, as well as other insurance needs. They can provide you with the best rates in Austin, TX and have been in business for over 20 years. They offer free online quotes as well as policies. You can also be served at one of their 5 conveniently located offices.

Source: EzineArticles.com.

Thank you very much Stephanie!

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