Liability Car Insurance Coverage In Austin Texas
Reader’s Question:
Is car insurance in Texas mandated? What is the basic coverage I could get?
Ulysses
Austin Texas
The minimum amount of car insurance coverage in your locality that you are required to have in order to drive your car on the road legally depends on the state you are in. The Insurance Department in each state sets the rules and regulations regarding the minimum coverage required by car owners. Although this will set the guidelines for each car insurance companies on the minimum insurance coverage to their customers, they can add their own riders or add-ons, which are additional types of insurance coverage attached to the main car insurance coverage.
The basic car insurance coverage in general is the liability coverage. This type of coverage will pay for the property damages and the bodily injuries that you have caused to other people and their cars during an accident. This is basically the type of insurance coverage that the state mandates. It is usually written in three numbers representing the coverage limits a car insurance policy can give in terms of liability for bodily injury per person in an accident, liability for bodily injury to all people injured and property damage liability for one accident. The minimum required car insurance coverage in Texas is 25/50/25. This means that in any accident, the insurance policy will cover you for up to $25,000 in bodily injuries per person, $50,000 in bodily injuries total, and $25,000 in property damages.