What does the State of Texas Recommend a Motorist to Have in His Car Insurance?


In every state there are different set of laws that is either unique to a single state or shares its uniqueness with few others more. Aside from laws there are also requirements that either a single state only has or has with others more. Just like in the Department of Insurance. In every state’s Department of Insurance there is a different set of requirements. And a sample of Department of Insurance requirements that we would be having is the Texas’ Department of Insurance requirements.

Texas’ Department of Insurance requires every motorist to have a Liability coverage in their vehicles at all times. In case you don’t know, Liability covers for the damages an insured driver caused another driver, his car and his occupants in case of an accident and the insured driver is at fault. And in Texas the liability insurance should have a minimum level of coverage of as follows: in case the other driver is alone, his medical expenses will be $20,000, but if there is more than one occupant of the other car their combined expenses would be $40,000, and in addition to payment for bodily damage is the property damage, another $15,000 is allotted for any necessary property repair of the victim.

The next one is the Collision and Comprehensive insurance. Although the state of Texas does not really require every Texan to have this, the state does strongly recommend its citizens to purchase it. It is because Collision and Comprehensive insurance will insure the driver that in case of any accident that would happen and his car is damaged; the car insurance company would shoulder the costs of repairs on his vehicle. And so when purchasing Collision and Comprehensive Insurance you would at least be at ease that you would not have to shoulder your vehicle’s repair in case of accident.

And another wise decision and a good investment to have as a motorist are having uninsured car insurance. Uninsured car insurance insures the insured driver that in case he is involved in a hit and run or an accident with another driver that is at fault has no car insurance; the insured driver would be at least at ease in terms of paying bills. Because his car insurance company will again shoulder the costs of the repair on his property damage and his, and in case he has occupants, their hospital expenses when he purchase the uninsured car insurance.